NMHL Mortgage Lending
Mortgage Lender in Fontana, CA
Local expertise and competitive rates for Fontana homebuyers.
Fontana, California is a thriving community with a diverse housing market, where the median home price stands at $530,000. As a prospective homebuyer in Fontana, you're likely navigating various mortgage options to find the best fit for your situation. At National Mortgage Home Loans (NMHL), we specialize in serving underserved borrowers, including those with bad credit, self-employed individuals, first-time buyers, and veterans.
Our expertise in the Fontana housing market, combined with our range of mortgage programs, positions us as a trusted partner for borrowers seeking to achieve their homeownership goals. From FHA and VA loans to conventional and jumbo mortgages, we offer competitive rates and flexible terms to suit different financial situations.
Whether you're looking to purchase a home in Downtown Fontana, explore the city's growing neighborhoods, or take advantage of California's first-time homebuyer programs, NMHL is here to guide you through the process. Our local knowledge and personalized approach ensure that you receive tailored mortgage solutions that meet your needs.
Fontana Housing Market Overview
Fontana is a growing community in California offering diverse mortgage options for homebuyers. Contact NMHL for personalized Fontana mortgage rates and programs.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Fontana
Explore mortgage options tailored to Fontana homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Understanding Fontana's Housing Market
Fontana's housing market is characterized by a mix of older and newer homes, with a median home price of $530,000. The city is experiencing steady growth, driven by its proximity to major employment centers and transportation hubs. As a result, homebuyers are drawn to Fontana's diverse neighborhoods, from historic Downtown to newer developments like Summit Heights.
The local market is influenced by factors such as property taxes, school districts, and community amenities. For instance, Fontana Unified School District serves the area, with highly-rated schools like Fontana High School and Sierra Lakes Elementary. NMHL can help you understand how these factors impact your mortgage options and home buying decisions.
Stay informed about Fontana's housing market trends and mortgage rates with NMHL's market updates and expert analysis.
NMHL Mortgage Programs for Fontana Borrowers
At NMHL, we offer a range of mortgage programs designed to meet the diverse needs of Fontana borrowers. Our loan options include FHA, VA, conventional, and jumbo mortgages, as well as specialty programs for self-employed individuals and those with bad credit.
- FHA loans with down payments as low as 3.5%
- VA loans with zero-down options for eligible veterans
- Conventional loans with competitive rates and flexible terms
- Jumbo mortgages for high-end homes or borrowers with significant assets
Our loan officers will work with you to determine the best mortgage program for your situation and guide you through the application process.
Explore NMHL's mortgage programs and get pre-approved today to take advantage of Fontana's competitive housing market.
Down Payment Assistance Programs in Fontana
Down payment assistance programs can be a valuable resource for Fontana homebuyers, helping to reduce the upfront costs of purchasing a home. California offers several programs, including the California Homebuyer's Downpayment Assistance Program (CHDAP) and the Down Payment Assistance Program (DPAP).
These programs provide financial assistance for down payments and closing costs, making it easier to achieve homeownership. NMHL can help you navigate these programs and determine which ones you're eligible for.
Don't let down payment costs hold you back from buying your dream home in Fontana. Explore down payment assistance programs with NMHL today.
Fontana Neighborhoods and Community Amenities
Fontana is a city with a rich history and diverse neighborhoods, each with its unique character and amenities. From Downtown Fontana's historic charm to the family-friendly atmosphere of Summit Heights, there's a neighborhood to suit every lifestyle.
The city's community amenities, such as parks, recreational facilities, and cultural events, contribute to its high quality of life. NMHL can help you find a mortgage that fits your needs, whether you're looking to buy a home in a established neighborhood or a newer development.
Discover the best neighborhoods in Fontana and find your dream home with NMHL's expert guidance and mortgage solutions.
Frequently Asked Questions
Fontana has several desirable neighborhoods, including Downtown Fontana, Summit Heights, and Sierra Lakes. Each area has its unique character and advantages, from historic homes to new constructions. Our loan officers can help you explore mortgage options for your preferred neighborhood.
Property taxes in Fontana average 0.85% of the assessed value, which is relatively moderate compared to other California cities. This means that for a $530,000 home, you can expect to pay around $4,505 annually in property taxes. NMHL can help you factor these costs into your mortgage payments.
California offers several programs for first-time homebuyers, including the California Mortgage Credit Certificate (MCC) program and the California Homebuyer's Downpayment Assistance Program (CHDAP). NMHL can help you navigate these options and determine which ones you're eligible for.
While a good credit score can help you qualify for better mortgage rates, NMHL offers options for borrowers with less-than-perfect credit. Our loan officers can help you explore alternative credit scoring models and mortgage programs that cater to borrowers with bad credit.
Getting pre-approved for a mortgage with NMHL is straightforward. Simply contact one of our loan officers, provide the necessary financial documents, and we'll guide you through the pre-approval process. This will give you a clear understanding of your borrowing power and help you make a competitive offer on your desired home.
As a local lender, NMHL has in-depth knowledge of the Fontana housing market and can provide personalized service tailored to your needs. We're well-versed in local market trends, neighborhoods, and community programs, ensuring that you receive the best mortgage solutions for your situation.
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Ready to Buy in Fontana?
Let NMHL help you navigate the Fontana housing market with expert guidance and competitive rates.