Mortgage Broker and Lender for Fontana, CA Home Buyers

Updated October 2026

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

Fontana stretches from the foothills along the 210 down to the 10 and the warehouse corridor to the south. North Fontana has many newer planned communities, while central and south Fontana offer older homes, larger lots and some properties zoned for animals.

Why Fontana borrowers work with First Lending Solutions

• Clear about the full payment. We look at taxes, insurance, HOA dues and special taxes up front.
• 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).

North Fontana vs. south Fontana

North Fontana neighborhoods such as Hunter’s Ridge, Coyote Canyon and Sierra Lakes are often in HOA communities and some carry Mello-Roos taxes. South Fontana has more older homes and bigger lots, sometimes with accessory dwelling units or detached garages. Each affects the appraisal and the monthly cost differently, and we’ll walk you through both.

Homes with ADUs or larger lots

If a property has a permitted ADU or an unpermitted addition, lenders treat it differently. We’ll explain how the appraiser and underwriter look at extra units so you know where you stand before writing an offer.

Home loan options in Fontana

• 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.

Fontana mortgage FAQs

Do you help buyers in Fontana?

Yes. We help buyers and homeowners throughout Fontana, from Sierra Lakes and Hunter’s Ridge in the north to south Fontana.

Can rental income from an ADU help me qualify?

In some cases, depending on the loan program and whether the unit is permitted. We’ll review the property and the program rules with you.

Are FHA loans available in Fontana?

Yes. FHA loans are available, and the 2026 FHA limit for a one-unit home in San Bernardino County is $690,000.

Do you offer VA loans in Fontana?

Yes, for eligible veterans, service members and surviving spouses.

More questions? See our full mortgage FAQ.

Looking at other parts of the Inland Empire? See our San Bernardino County, Ontario, San Bernardino 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.