Mortgage Loans
Purchase, refinance, FHA, VA, conventional, jumbo and self-employed programs — matched to your actual numbers.
View Mortgage Loans Mortgage Loans • Real Estate • Reverse Mortgages
Helping Southern California families buy, sell, refinance & plan for retirement
Serving Fontana, Rancho Cucamonga, the Inland Empire, and surrounding communities. One dual-licensed advisor — Patti McCormick — Broker — for both your loan and your home.
Dual licensed
NMLS #244111 · DRE #01477745
Same-day
Pre-approvals
Direct line
You reach Patti, not a call center
Inland Empire
Fontana · Rancho Cucamonga · surrounding areas
A+ RatingBetter Business BureauGoogle ReviewsRead verified client reviews
A+ rated with the Better Business Bureau · NMLS #244111 · DRE #01477745
About Patti
One advisor for the loan and the home
I'm dual licensed — mortgage loan originator and REALTOR® — so your financing and your transaction stay in sync from first call to closing.
NMLS #244111 · DRE #01477745
- Purchase loans, refinances, FHA, VA, conventional, jumbo, self-employed and reverse mortgages.
- Full buyer and seller representation — pricing, marketing and negotiation.
- Written cost breakdowns before you commit to anything.
- Same-day answers. You reach me directly.
Not sure where to start?
Start with a payment estimate, then a pre-approval. Fifteen minutes, no cost, no pressure — and you'll know your price range and monthly payment.
Services
Everything you need for your next move
Financing and real estate services under one roof, so you are never the middleman between two companies.
Reverse Mortgages
For homeowners 62+: turn equity into cash flow or eliminate a monthly mortgage payment, explained plainly.
View Reverse Mortgages Buy a Home
Full buyer representation, from a strong pre-approval to a winning offer and a smooth closing.
View Buy a Home Sell a Home
Pricing strategy, prep, professional marketing and negotiation to net you the most from your sale.
View Sell a Home Search Homes
Browse active listings and set up instant alerts so you see the right homes the day they hit the market.
View Search Homes Mortgage Calculators
Estimate a payment, compare renting versus buying, and see what a refinance would actually save you.
View Mortgage Calculators Helping families throughout the Inland Empire buy, sell, refinance, and plan for retirement with honest guidance and personalized service.
The process
Four steps, no surprises
- 01
Talk it through
A short, no-pressure conversation about your goals, timeline, and budget — by phone, text, or in person.
- 02
Get pre-approved
A real pre-approval with your documents reviewed up front, so sellers take your offer seriously.
- 03
Find or list the home
I represent you on the real estate side too, which keeps the financing and the contract perfectly in sync.
- 04
Close with confidence
One point of contact through underwriting, appraisal, and signing. You always know what happens next.
Reviews
What clients say
Service area
Where I work
Serving Fontana, Rancho Cucamonga, the Inland Empire, and surrounding communities.
- Fontana, CA
- Rancho Cucamonga, CA
- Ontario, CA
- Upland, CA
- Rialto, CA
- Chino, CA
- Chino Hills, CA
- Claremont, CA
- Corona, CA
- Riverside, CA
- San Bernardino, CA
- Redlands, CA
- Eastvale, CA
- Yucaipa, CA
Office at 9431 Haven Ave, Rancho Cucamonga, CA 91730. Don't see your city? Call (909) 910-2634 — I lend throughout California.
Common questions
Answers before you ask
The questions I get most often from buyers, sellers, and homeowners considering a refinance.
Can you handle both my loan and the home purchase?+
Yes. I am licensed for both mortgage lending and real estate, so one person coordinates your pre-approval, your offer, and your closing. That removes the hand-offs and delays that happen when a lender and an agent work at separate companies.
How much do I need for a down payment?+
Less than most people expect. Conventional loans start around 3% down, FHA at 3.5%, and VA and USDA loans allow 0% down for those who qualify. Down payment assistance programs may also be available depending on your income and location.
What credit score do I need to buy a home?+
Many loan programs start in the low 600s, and FHA can go lower with compensating factors. If you are not there yet, I will give you a specific, written plan to get your score where it needs to be.
How long does pre-approval take?+
Usually the same day once I have your income, asset, and credit information. A full pre-approval, not a quick pre-qualification, is what makes your offer competitive.
What is a reverse mortgage and who is it for?+
A reverse mortgage lets homeowners 62 and older convert part of their home equity into cash without a monthly mortgage payment. It is a fit for some retirees and not for others; I will walk you through the trade-offs honestly before you decide.
Equal Housing Opportunity. First Choice Mortgage & Real Estate does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS #244111 · DRE #01477745. This is not a commitment to lend; all loans subject to credit approval and property appraisal.