Mortgage Broker and Lender for Ontario, CA Home Buyers

Updated October 2026

First Lending Solutions is a veteran-owned mortgage broker based in Riverside, serving homeowners since 2005. We help Ontario home buyers and homeowners with purchase and refinance loans. FHA loans available, along with VA and conventional options.

Ontario sits at the crossroads of the 10, the 15 and the 60, next to Ontario International Airport. North Ontario has established neighborhoods with mature trees, while Ontario Ranch on the south side has become one of the region’s largest areas of new construction.

Why Ontario borrowers work with First Lending Solutions

• New-construction experience. We help you compare a builder’s preferred-lender offer with an outside loan.
• We shop multiple wholesale lenders to look for a loan that fits your goals.
• Veteran-owned. Our CEO, Alan Vogan, is a U.S. Marine Corps veteran, and we’re glad to help veterans and military families use the VA home loan benefit they earned.
• What clients say: Rated 5.0 stars from 308 Google reviews (as of October 2026).

Ontario Ranch new homes

Ontario Ranch communities such as The Avenue, Countryside and Park Place add HOA dues and, often, Community Facilities District (Mello-Roos) special taxes. Those count in the monthly payment lenders review. Builders may offer incentives tied to their lender; you’re free to compare. We’ll lay the offers side by side, including closing costs.

North Ontario and established neighborhoods

Neighborhoods north of the 10, near Euclid Avenue and downtown, have older single-family homes and lower or no HOA dues. These homes can be a good fit for FHA and VA buyers, with attention to the appraisal and property condition.

Home loan options in Ontario

• Purchase loans for single-family homes, condos, townhomes and new construction.
• Refinance loans to change your loan type or term, or to tap into equity.
• FHA loans available, insured by the Federal Housing Administration and often used by first-time buyers. Eligibility and property requirements apply.
• VA loans for eligible veterans, service members and surviving spouses, made by private lenders and partially guaranteed by the VA.
• Conventional loans for borrowers who meet conventional guidelines, plus USDA loans in eligible rural areas.

Learn more about FHA loans, VA home loans and help for first-time home buyers.

How it works

1. Apply online or call. You can apply online any time, or call (951) 684-3307 during business hours.
2. Get a clear plan. We review your income, credit, savings and goals, compare loan options with you, and give you a document checklist.
3. Shop and close. When you find a home, we coordinate with your agent, escrow and the appraiser, and keep you updated through closing.

Ontario mortgage FAQs

Do you help buyers in Ontario Ranch?

Yes. We help buyers compare builder incentives with outside loan options, including HOA dues and Mello-Roos special taxes in the monthly cost.

Do I have to use the builder’s lender?

No. You can compare. We can help you look at the builder’s offer next to an outside loan so you can make an informed choice.

What are the 2026 loan limits in Ontario?

Ontario is in San Bernardino County, where the 2026 one-unit limits are $690,000 for FHA and $832,750 for conforming loans.

Can I apply online?

Yes. You can apply online at FirstLendingSolutions.zipforhome.com, or call (951) 684-3307, Monday through Friday, 8:30 a.m. to 5:00 p.m. PT.

More questions? See our full mortgage FAQ.

Looking at other parts of the Inland Empire? See our San Bernardino County, Rancho Cucamonga, Fontana and Inland Empire pages.

Reviewed by Alan Vogan, NMLS #236124 · Last updated October 2026

Disclosures

1st Lending Solutions, Inc. DBA First Lending Solutions, 3610 Central Ave Suite 400, Riverside, CA 92506. (951) 684-3307. 1st Lending Solutions, Inc., NMLS #135932 (NMLS Consumer Access) | CA DRE #01482431. Alan Vogan, NMLS #236124. CA DRE Broker License #01373250. Licensed in CA, TN, FL (broker only), TX, AL and KY. View all licenses. 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.