Serving Ontario and surrounding areas for over 20 years!
ABOUT US
Welcome to RayBon Mortgage
At RayBon Mortgage, we’re a family-owned company committed to making homeownership accessible and stress-free for everyone. Whether you’re buying your first home, self-employed and navigating unique financial challenges, or a homeowner looking to refinance, we’re here to provide expert guidance and tailored solutions.
Our goal isn’t just to close deals – it’s to build lasting relationships by helping you achieve your homeownership dreams with confidence.
Meet Richard and Thelma Centeno
The Heart of RayBon Mortgage
Richard and Thelma Centeno are the driving force behind RayBon Mortgage, bringing together over four decades of combined experience in the mortgage and real estate industries. As a husband-and-wife team, they’ve built RayBon Mortgage on a foundation of family values, trust, and a deep commitment to serving the Southern California community.Their hands-on, personalized approach is at the core of everything they do, ensuring every client feels supported and confident throughout their home loan journey.
With Richard’s leadership as President and Mortgage Broker, and Thelma’s expertise as Vice President and Senior Mortgage Loan Originator, they offer a level of care and dedication that sets RayBon Mortgage apart.
The Power of Three: Simplify Your Loan Options
Common Questions About Home Loans
Learn about eligibility, down payment requirements, and benefits to help you make informed decisions on your home financing options.
You’ll need at least a 620 credit score for a conventional loan and a 580 score for an FHA loan (with a 3.5% down payment). VA and USDA lenders might require a minimum 620 and 640 credit score, respectively.
Debt-to-income (DTI) ratio. Your DTI ratio is a measure of your total monthly debt payments divided by your gross monthly income. Lenders recommend a DTI ratio at or below 43%. You may be able to qualify for a mortgage with a DTI ratio as high as 50%, but you’d need a good credit score and/or a larger down payment
Conventional loans are available with a 3% down payment (income limits may apply). You’ll need at least 3.5% down for an FHA loan. There may be no down payment required if you’re eligible for a USDA or VA loan.
Lenders look for proof of steady employment and income for the past two years. Have your pay stubs, W-2s and federal tax returns ready for your lender.
Refinancing Made Easy
Whether you’re buying your first home, looking to refinance, or simply exploring your options, the team at RayBon Mortgage is here to help. Our personalized, hands-on approach ensures that you’ll feel confident and supported throughout the entire mortgage process. Let’s start building your future today – reach out to our team, and let’s talk about how we can help you achieve your homeownership dreams.
Areas
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