First Lending Solutions is a Riverside-based mortgage broker and mortgage lender helping home buyers and homeowners in Rancho Cucamonga and the west end of San Bernardino County with purchase and refinance loans. The company was founded in 2005 by CEO Alan Vogan, a U.S. Marine Corps veteran who has worked in mortgage and real estate since 2001.
Rancho Cucamonga was formed in 1977 when Alta Loma, Cucamonga and Etiwanda joined together, and you can still feel the difference between them: foothill streets and horse trails in Alta Loma, historic homesteads and newer tracts in Etiwanda, Route 66 history along Foothill Boulevard, and master-planned neighborhoods around Victoria Gardens and Terra Vista.
Why Rancho Cucamonga buyers work with First Lending Solutions
- An easy drive down the 15. Our Riverside office is close by, and most of the process can happen by phone, email and our secure online application.
- Broker and lender in one. More than one way to look for a loan that fits you, rather than a single set of products.
- Early insurance planning. For foothill homes, we help you line up homeowners insurance early so it doesn’t hold up closing.
- Veteran-led. Alan Vogan served in the U.S. Marine Corps, and we’re glad to help veterans and military families use their VA benefits.
- What clients say: Rated 5.0 stars from 308 Google reviews (as of October 2026).
Foothill homes and homeowners insurance
Homes in north Alta Loma, upper Etiwanda and other areas near the San Gabriel foothills come with beautiful views, and sometimes with more work to get homeowners insurance. Every mortgage requires insurance to be in place before closing, and in some higher fire-risk areas coverage can take longer to find or cost more than buyers expect. The premium is part of your monthly housing cost, so we encourage you to get an insurance quote as soon as you’re serious about a home, and we’ll factor it into your numbers.
Rancho Cucamonga neighborhoods we serve
- Alta Loma, from Base Line up to the foothills
- Etiwanda and the Etiwanda Heights area
- Victoria and the Victoria Gardens area
- Terra Vista and central Rancho Cucamonga
- Day Creek in the city’s northeast corner
- Red Hill and the Route 66 / Foothill Boulevard corridor
- Nearby Upland, Ontario, Fontana and Chino
Newer neighborhoods like Victoria, Day Creek and parts of Etiwanda often have HOA dues and Community Facilities District special taxes (Mello-Roos), which count toward the monthly payment lenders review. Older homes in Alta Loma and around Red Hill can need extra attention during the appraisal and inspection, especially with FHA and VA loans. We’ll go over these details for the specific home you’re considering.
Larger lots and horse property in Alta Loma and Etiwanda
Parts of Alta Loma and Etiwanda still have larger lots, equestrian trails and room for animals. When a home includes barns, corrals, guest quarters or older additions, lenders look at whether those improvements are permitted and how the appraiser can compare the property to nearby sales. We’ll help you understand those questions before you make an offer.
Commuting from Rancho Cucamonga
Rancho Cucamonga sits between the 10, the 210 and the 15, and the Rancho Cucamonga Metrolink station on the San Bernardino Line connects to Los Angeles, with shuttle service to Ontario International Airport. Whether you work locally, commute toward Los Angeles or travel often, we’ll look at the full monthly cost of each home so you can compare locations with real numbers.
Home loan options in Rancho Cucamonga
- Purchase loans for homes in Alta Loma, Etiwanda, Victoria, Terra Vista and across the city.
- Refinance loans for Rancho Cucamonga homeowners who want a different loan type or term, or want to tap some equity.
- Conventional loans for borrowers who meet conventional guidelines.
- FHA loans, insured by the Federal Housing Administration. Eligibility and property requirements apply, which matters for some older Alta Loma and Red Hill homes.
- VA loans for eligible veterans, service members and surviving spouses, made by private lenders and partially guaranteed by the VA.
- Jumbo loans or a HELOC? Ask us what may be available for a larger foothill or Etiwanda home.
What clients say on Google
“His guidance and communication made everything feel much easier and less stressful.”
— daisy perez, Google review
“From our very first conversation, Pamela was professional, knowledgeable, and genuinely invested in helping me …”
— Elizabeth Payne, Google review
“The whole First Lending Solutions team was phenomenal!”
— Joseph Freiburger, Google review
Excerpts from public 5-star Google reviews, quoted word for word. Read all our Google reviews.
How it works
- Start online or call. California borrowers can apply online, or call our Riverside office at (951) 684-3307. Tell us what you’re looking for in Rancho Cucamonga and whether you’re buying or refinancing.
- Review your options. We look at your income, credit, savings and goals, compare loan options with you, and give you a clear list of the documents we’ll need. For a foothill home, start your insurance quote as soon as you’re in escrow, or sooner.
- Move forward to closing. We coordinate the appraisal, underwriting and closing with you, your real estate agent and escrow, and keep everyone updated along the way.
Rancho Cucamonga mortgage FAQs
Do you lend in San Bernardino County, including Rancho Cucamonga?
Yes. We help buyers and homeowners across both Riverside and San Bernardino counties. Our office is at 3610 Central Ave, Suite 400, Riverside, CA 92506, and most of the process can be handled by phone, email and our secure online application.
Will homeowners insurance be a problem for a foothill home in Alta Loma or Etiwanda?
It can take longer to find coverage, or cost more, for some homes in higher fire-risk areas, and every mortgage requires insurance before closing. Get a quote as soon as you’re serious about a home. We’ll include the premium in your monthly numbers and help keep the closing timeline on track.
Can you finance a horse property or larger lot in Alta Loma?
We can review it with you. Lenders look at permitted improvements such as barns, corrals and guest quarters, lot size, and comparable sales nearby. Call us early so we can talk through the specific property before you write an offer.
How do Mello-Roos taxes in Victoria, Day Creek or Etiwanda affect my loan?
Community Facilities District special taxes (Mello-Roos) are part of your property tax bill and count toward the monthly payment lenders review, along with any HOA dues. We confirm the actual amounts for the home you’re considering so you can compare it fairly with homes that don’t have them.
Can I use a VA loan to buy in Rancho Cucamonga?
Yes, if you’re eligible. We help eligible veterans, active-duty service members, Reserve and National Guard members, and eligible surviving spouses with VA purchase and refinance loans, and can help you request your Certificate of Eligibility. Our CEO, Alan Vogan, is a U.S. Marine Corps veteran.
More questions? See our full mortgage FAQ.
Also looking nearby? See our Inland Empire, Corona and Riverside pages.
Ready to talk about a home loan in Rancho Cucamonga?
Apply online in a few minutes, or call us and talk with a real person.
Office hours: Monday–Friday, 8:30 a.m.–5:00 p.m. PT · 3610 Central Ave Suite 400, Riverside, CA 92506
Disclosures
1st Lending Solutions, Inc. DBA First Lending Solutions, 3610 Central Ave Suite 400, Riverside, CA 92506. (951) 684-3307. Company NMLS #135932 (NMLS Consumer Access). Alan Vogan, NMLS #236124. CA DRE Corporation License #01482431. CA DRE Broker License #01373250. CA DFPI California Financing Law License #60DBO96452. AL Consumer Credit License #23244. AL Mortgage Brokers License #23245. FL Mortgage Broker Business License #MBR7449. KY Mortgage Company License #MC796021. TN Mortgage Lender License #174096. TX SML Mortgage Company License (NMLS #135932). Equal Housing Opportunity. This is not a commitment to lend or extend credit. All loans are subject to credit approval, underwriting, program guidelines and property eligibility. Programs and terms are subject to change without notice and may not be available in all areas. VA loans require eligibility. First Lending Solutions is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, FHA/HUD or any government agency.