Mortgage Broker and Lender for Moreno Valley, CA Home Buyers

Updated October 2026

First Lending Solutions is a veteran-owned mortgage broker based in Riverside, just west of Moreno Valley on the 60, serving homeowners since 2005. We help Moreno Valley home buyers and homeowners with purchase and refinance loans. FHA loans available, along with VA and conventional options.

Moreno Valley sits where the 60 and the 215 meet, next to March Air Reserve Base and the logistics centers that employ many local residents. Buyers here often want more space for the money and a manageable drive to Riverside, Orange County or the Inland Empire’s warehouse corridor.

Why Moreno Valley borrowers work with First Lending Solutions

• Close by. Our Riverside office is about 15 minutes from Moreno Valley on the 60.
• 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).

Moreno Valley neighborhoods we serve

• Sunnymead and central Moreno Valley
• Moreno Valley Ranch and the Moreno Valley Ranch golf area
• Edgemont and the north side near the 60/215 interchange
• Homes near Lake Perris and the southeast side
• Nearby Riverside, Perris and Beaumont

Many Moreno Valley Ranch homes sit in HOA communities, while older Sunnymead homes may need extra attention during an FHA or VA appraisal. We’ll explain what lenders look for before you make an offer.

Serving March Air Reserve Base families

With March ARB next door, many Moreno Valley buyers are service members or veterans. We help eligible borrowers understand VA entitlement, the funding fee and Certificate of Eligibility steps.

Home loan options in Moreno Valley

• 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.

2026 loan limits in Riverside and San Bernardino counties

Riverside and San Bernardino counties share the same limits because they are in the same metro area (Riverside-San Bernardino-Ontario). For a one-unit home in 2026:

• FHA loan limit: $690,000 (two-unit $883,300, three-unit $1,067,750, four-unit $1,326,950). Source: HUD FHA Mortgage Limits.
• Conforming (conventional) loan limit: $832,750, the 2026 national baseline. Source: FHFA Conforming Loan Limits.

Loan amounts above the conforming limit are generally financed as jumbo loans. Limits change each year; we confirm the current figure for your county when we review your options.

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.

Moreno Valley mortgage FAQs

Do you work with buyers in Moreno Valley?

Yes. Our Riverside office is a short drive from Moreno Valley on the 60, and most of the process can be handled by phone, email and our secure online application.

Can I use a VA loan near March Air Reserve Base?

Yes, if you’re eligible. We help veterans, active-duty, Reserve and Guard members and eligible surviving spouses with VA purchase and refinance loans.

Are FHA loans available for Moreno Valley homes?

Yes. FHA loans are available, and the 2026 FHA limit for a one-unit home in Riverside County is $690,000. FHA property standards apply.

Do HOA dues affect how much home I can buy in Moreno Valley Ranch?

Yes. Lenders count HOA dues in your monthly housing cost, so we include them when we review your options.

More questions? See our full mortgage FAQ.

Looking at other parts of the Inland Empire? See our Riverside, Riverside County, Menifee and Perris 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.