Business Details
Trusted Mortgage Solutions in Rancho Cucamonga
Champions Mortgage Home Loans has been a trusted partner in the mortgage industry for over five decades, combining extensive experience with personalized service to meet diverse client needs. Our team specializes in home purchase loans, refinancing options, and reverse mortgage solutions tailored to individual financial situations. We pride ourselves on transparent communication and a client-centric approach, guiding first-time homebuyers through CalHFA FHA programs and assisting seniors in leveraging home equity. With NMLS-licensed professionals and multilingual support, we ensure accessibility and clarity throughout the mortgage process. Our commitment to excellence is reflected in our 5-star communication standards and dedication to resolving complex mortgage challenges.Headquartered in Rancho Cucamonga, California, we serve clients across the state with integrity and expertise. By offering customizable loan programsincluding conventional, VA, USDA, and jumbo loanswe cater to a wide range of financial profiles. Our team's deep understanding of local markets and federal housing policies enables us to deliver practical solutions for both simple and complex mortgage scenarios. From pre-approval to closing, we prioritize client education and informed decision-making. This enduring focus on quality service has established Champions Mortgage as a reliable leader in the mortgage industry.
Services
Home Loan Refinance
First-Time Home Buyer Programs
Reverse Mortgages
Conventional Loans
VA Loans
USDA Loans
Jumbo Loans
Down Payment Assistance
Highlights and features
- We offer 50+ years of combined mortgage industry experience
- Our team includes NMLS-licensed professionals with multilingual capabilities
- We provide tailored loan programs for diverse financial situations
- Our 5-star communication ensures transparent mortgage guidance
- We specialize in first-time homebuyer programs and reverse mortgages
What people say
Excellent service
Diligent work
Pleasure working
Knowledgeable team
Personalized solutions
Services
Home Loan Refinance
Our home loan refinancing service helps clients reduce monthly payments, consolidate debt, or access home equity. We offer cash-out refinancing, rate reduction options, and FHA/VA loan conversions. With flexible terms and expert guidance, we help homeowners optimize their mortgage for financial goals while maintaining compliance with industry regulations.
First-Time Home Buyer Programs
Specialized programs for first-time homebuyers include CalHFA FHA loans with 3.5% down payments and down payment assistance. We provide education courses, pre-approval guidance, and access to government-backed loans. Our team helps navigate eligibility requirements and funding options to make homeownership accessible and affordable.
Reverse Mortgages
Reverse mortgage solutions allow homeowners aged 62+ to convert home equity into tax-free income. We offer HECM programs with multiple disbursement options while explaining associated costs and long-term implications. Our counselors help clients understand repayment terms and how these loans affect estate planning.
Conventional Loans
We provide conventional loan options with competitive rates for borrowers with strong credit profiles. Services include fixed-rate mortgages, adjustable-rate programs, and jumbo loans exceeding conforming limits. Our team explains down payment requirements, private mortgage insurance, and underwriting criteria to help clients choose appropriate financing.
Down Payment Assistance
Our down payment assistance programs include MyHome grants and ZIP zero-interest loans. We help clients qualify for 3-5% assistance toward down payments and closing costs through state and federal programs. Our advisors explain eligibility requirements and coordinate funding sources to reduce upfront homebuying costs.
People
Jeff Puglisi
Broker | Owner
With NMLS #2070312, Jeff leads Champions Mortgage with over 25 years of mortgage industry experience. He specializes in complex loan structures and maintains direct client communication through his bilingual capabilities.
Oralia Delgado
Business Development Consultant
Oralia provides Spanish-speaking support to clients navigating mortgage options. Her expertise in loan programs and local market conditions helps diverse clients achieve homeownership goals through personalized financing solutions.
Evelyn Barreiro
Loans Operations Manager
Evelyn oversees loan operations with bilingual expertise in Spanish. She ensures smooth processing for conventional and government-backed loans while maintaining compliance with federal mortgage regulations.
Martin Gutierrez
Senior Loan Officer
NMLS #243340 Martin specializes in first-time homebuyer programs. He provides Spanish-language support to clients navigating CalHFA and FHA loan requirements with over 15 years of mortgage experience.
Sylvia Rios
Senior Loan Officer
NMLS #1287552 Sylvia offers bilingual mortgage guidance for conventional and VA loans. Her focus on military veterans' financing needs combines technical expertise with personalized service for complex loan scenarios.
Questions
What mortgage programs do you offer for first-time homebuyers?
We offer CalHFA FHA loans with 3.5% down payments, down payment assistance programs, and MyHome grants. Our counselors help clients meet eligibility requirements for state and federal first-time buyer programs.
Can I refinance my current mortgage to lower payments?
Yes, we provide rate-and-term refinancing to reduce monthly payments, cash-out refinancing for home equity access, and streamline options for qualified borrowers seeking faster processing with reduced documentation.
Do you offer reverse mortgage options for seniors?
We provide HECM reverse mortgages for homeowners aged 62+. Our counselors explain eligibility requirements, payment options, and long-term implications to help seniors make informed financial decisions.
What documentation is needed for mortgage pre-approval?
Pre-approval requires income verification (pay stubs, W-2s), asset statements, credit history, and identification. Our team guides clients through document preparation to expedite the mortgage process.
How do I apply for a home loan?
Start by completing our online application or contacting a loan officer. We'll review your financial situation, discuss program options, and guide you through document submission and underwriting.
What areas do you serve?
While headquartered in Rancho Cucamonga, California, we serve clients statewide with mortgage solutions tailored to local market conditions and housing programs.
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