Owning a home in San Bernardino should feel achievable, not confusing. The Mortgage Phoenix Group (TMPG) has helped families across San Bernardino County find the right financing since 2012. Our team uses a clear Mortgage Planning Approach so you understand options, payments, and next steps before you commit. We focus on long-term financial health, not just getting a loan approved.
As experienced advisors and planners, our licensed mortgage loan officers in San Bernardino take time to learn your goals and budget. We explain how each loan type works, what documents you will need, and how your monthly payment will look once you move in.
Choosing a lender is easier when the team understands your city and your daily life. As a community-focused mortgage broker in San Bernardino, we meet clients from Highland, Rialto, Colton, and Redlands who want straight answers without jargon. Our planners listen first. Then we present home loan options that fit your timeline and comfort level.
We help you compare offers, estimate your payment, and plan for closing costs. When you need help beyond the basics, our mortgage company San Bernardino team stays with you from the first call to final signing, and we are available after closing for any questions that come up later.
We keep you informed about current mortgage rates in San Bernardino County and other areas so you can decide when it is the right time to act. Rates move over time. Clear planning and steady communication help you make a smart choice for your family.
TMPG offers the main loan types most buyers and owners consider. We explain trade-offs in simple terms and match you to a structure that supports your long-term plan for home loans San Bernardino.
FHA loans are a popular choice for first-time buyers and those rebuilding credit. We review your income, assets, and credit with care, then outline what to expect from start to finish so you can move forward confidently.
If you are a veteran or an eligible military family, our mortgage lender San Bernardino team helps you navigate the VA loan process with ease. We manage the details, coordinate with all parties, and keep communication clear until closing day.
Some properties within San Bernardino County meet USDA eligibility guidelines. If a USDA loan fits your goals, we’ll explain timing, documentation, and what to expect from appraisal to approval.
Conventional loans offer flexible terms for those with steady income and solid credit history. We help you compare rates, evaluate down payment options, and find a repayment plan that works for your budget.
If you’re purchasing a high-value home in North San Bernardino or nearby areas like Redlands, a Jumbo loan can be the right choice. We help you prepare the required documents and guide you through each step smoothly.
We assist qualified buyers in exploring low-interest home loans in San Bernardino and down payment assistance options that can make homeownership more affordable. Our advisors explain all available programs clearly, so there are no surprises along the way.
Current homeowners often choose to refinance for lower payments or to access equity for future plans. Our team reviews your loan, compares scenarios, and helps you make informed decisions that align with your financial goals.
Buying your first home is a big step. It should also be a positive one. Our mortgage loan officers provide a structured process from day one. As committed first-time home buyer lenders in San Bernardino, CA, we focus on three things that matter most to new buyers.
When you understand the process and the numbers, decisions feel easier. That is how TMPG helps first-time buyers move forward with confidence through well-planned home loans San Bernardino.
Clients across Tamarind Avenue, Downtown San Bernardino, and Sierra Lakes recommend TMPG because our mortgage loan officers in San Bernardino pair professional skill with personal care. Families often tell us they felt heard and supported from the first call to the final signature, which is reflected in our positive reviews.
We respect your time, we guard your budget, and we treat your goals like our own. That is why households choose our mortgage lenders San Bernardino team when it is time to buy, refinance, or plan the next step in their home journey with a reliable San Bernardino mortgage partner.
“We were overwhelmed searching for fha loan lenders near me. The Mortgage Phoenix Group made everything so simple and walked us through each step. We’re now in our new home in North San Bernardino!”
— Maria R., First-Time Homebuyer
“After being turned down by another mortgage company, they helped us qualify for a VA loan we didn’t even know we were eligible for. Life-changing.”
— Antonio D., U.S. Army Veteran
If you want to buy a home, you are more than likely going to need a loan. There is a variety of different loans you can apply for, each with different advantageous. Here are some of the most popular.
Our clients in Fontana consistently describe us as trustworthy, patient, and dedicated. From Tamarind Avenue to Sierra Lakes, families across the city choose us because we provide real answers, not sales pitches.
"The team made the entire mortgage process so simple. They were patient, answered all my questions, and helped me secure the best rate. I couldn’t be happier!"
Lovely Client
"From start to finish, the process was seamless. Their expertise and dedication gave me confidence every step of the way. I’m now a proud homeowner, thanks to them!"
Lovely Client
"I was impressed with how quickly they handled my application. They kept me informed and made sure I understood everything. Truly a professional team!"
Lovely Client
"The team made the entire mortgage process so simple. They were patient, answered all my questions, and helped me secure the best rate. I couldn’t be happier!"
Lovely Client
"From start to finish, the process was seamless. Their expertise and dedication gave me confidence every step of the way. I’m now a proud homeowner, thanks to them!"
Lovely Client
"I was impressed with how quickly they handled my application. They kept me informed and made sure I understood everything. Truly a professional team!"
Lovely Client
Easy application and dedicated support team are here to secure the mortgage that works for you.
Easy application and dedicated support team are here to secure the mortgage that works for you.
Easy application and dedicated support team are here to secure the mortgage that works for you.
Easy application and dedicated support team are here to secure the mortgage that works for you.
Experience loan officer confident solutions for homeowners.
Dedicated mortgage professional known for high integrity and client service.
Expert mortgage planner and dedicated community volunteer.
Mortgage planning expert offering direct guidance
Understanding the market helps you make better decisions. The median sale price for single-family homes in San Bernardino County reached about $505,000 in January 2025, a 10% rise in one year. Over the last decade, local prices increased 144%, showing how strong and consistent the region has become compared to much of California.
This steady growth reflects the county’s expanding economy, driven by construction and housing-related industries. For buyers, it highlights the importance of partnering with an experienced mortgage company San Bernardino that understands market cycles and interest trends. Our team monitors current mortgage rates San Bernardino County daily so you can act when the timing is right.
The Mortgage Phoenix Group is a trusted local mortgage company San Bernardino known for clear communication and personalised guidance. We specialise in FHA, VA, USDA, Conventional, and Jumbo loans that support affordable home loans San Bernardino.
Current mortgage rates in San Bernardino County change with the market. Our advisors review rates daily and help you decide when locking a rate makes sense for your situation.
We start with a discovery call, help you understand what you can afford, walk you through your loan options, and guide you through pre-approval and escrow.
Many buyers do. We match your income, credit, and goals to lenders offering the most competitive terms. You will see realistic numbers before committing to any program.
Yes. Many programs require as little as 3.5% down, and we can help you explore San Bernardino-based down payment assistance options.
If you’ve served in the military, you may be eligible. We’ll check your COE (Certificate of Eligibility) and guide you through the process.
Most of our clients close within 30 to 45 days. Our process is designed to keep documentation moving quickly while protecting accuracy and compliance.
Some FHA programs accept scores as low as 580. Even if you’re not quite there yet, we’ll create a custom credit action plan to get you there.
Yes, certain areas qualify based on federal maps. Our team verifies property eligibility and explains how the program works from application to approval for your San Bernardino mortgage.
If you’ve served in the military, you may be eligible. We’ll check your COE (Certificate of Eligibility) and guide you through the process.
Some outer areas may qualify. We’ll verify your property eligibility and guide you through the USDA application process.
Some FHA programs accept scores as low as 580. Even if you’re not quite there yet, we’ll create a custom credit action plan to get you there.
Typically 30–45 days, though we’ve helped clients close faster when everything is in order.
Your new home in San Bernardino is waiting. Work with The Mortgage Phoenix Group, your dependable San Bernardino mortgage lender, to make the process simple and rewarding. We combine years of experience, local understanding, and clear planning to deliver results you can trust.
We proudly serve San Bernardino and nearby communities, including Highland, Rialto, Colton, and Redlands. Wherever you are in your journey, TMPG will guide you every step of the way with reliable home loans in San Bernardino and professional mortgage advice you can count on.
Contact us today for a free consultation or pre-approval. Call (909) 324-4373 or email info@mortgagephoenixgroup.com. Our friendly mortgage lenders in San Bernardino are ready to help you secure financing that fits your goals and your budget.
