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Thelma Centeno
(909) 467-1500 YourKey@rayboninc.com
  • 537 N. Euclid Ave Ste:100
    Ontario, CA 91762
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Serving Ontario and surrounding areas for over 20 years!

GET PRE-APPROVED TODAY! EXPLORE LOAN OPTIONS

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 THE TEAM
RayBon Mortgage Photo

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.

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The Power of Three: Simplify Your Loan Options


CONVENTIONAL LOANS

Flexible loans with low down payments!

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FHA Loans

Accessible and ideal for first-time buyers.

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VA Loans

Loans for eligible military borrowers.

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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.

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Ontario CA

1,065 homes for sale

Median sale $670,990 · last 90 days

Upland CA

493 homes for sale

Median sale $788,000 · last 90 days

San Bernardino CA

1,154 homes for sale

Median sale $515,000 · last 90 days

Riverside County CA

24,258 homes for sale

Median sale $609,000 · last 90 days

Rancho Cucamonga CA

922 homes for sale

Median sale $785,000 · last 90 days

San Diego County CA

19,666 homes for sale

Median sale $945,500 · last 90 days

Orange County CA

16,680 homes for sale

Median sale $1,258,300 · last 90 days

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Testimonials

What Our Clients Say

Best place in the world to work at!

Best place in the world to work at!!! Family owned and operated, this Lender cares about its customers, I would say that most clients feel happy with the services and always come back to refinance or purchase another home. Not to mention the referrals keep coming in and it keeps us super busy! We love our customers!!!

Lupita Garcia

Raybon Mortgage is 100% committed to on-time closings!

Call Thelma today to find out which home loan options you may qualify for; even if you're just exploring the idea of home ownership; they are a full service mortgage lender. They work hard to secure competitive rates, simple fees, and fast closing times. They always keep you in the loop during the process and answer all your questions. With in-house processing, underwriting, and funding, Raybon Mortgage is 100% committed to on-time closings and satisfying home-financing experiences.

Angel Leia

Definitely will be using Raybon Mortgage for all my future mortgage needs

I purchased my home with Raybon Mortgage 3 years ago and recently refinanced. Their professionalism and knowledge is amazing! Communication is key and they definitely demonstrated that. I was able to get the best rate around without a doubt and everyone at Raybon truly cares about what's best for you and your family. If you're a first time home buyer, worry no more! Raybon will walk you through the steps and answer any and all questions. Definitely will be using Raybon Mortgage for all my future mortgage needs. I 100% recommend them!

Gladys Herrera

Best place in the world to work at!

Best place in the world to work at!!! Family owned and operated, this Lender cares about its customers, I would say that most clients feel happy with the services and always come back to refinance or purchase another home. Not to mention the referrals keep coming in and it keeps us super busy! We love our customers!!!

Lupita Garcia

Definitely will be using Raybon Mortgage for all my future mortgage needs

I purchased my home with Raybon Mortgage 3 years ago and recently refinanced. Their professionalism and knowledge is amazing! Communication is key and they definitely demonstrated that. I was able to get the best rate around without a doubt and everyone at Raybon truly cares about what's best for you and your family. If you're a first time home buyer, worry no more! Raybon will walk you through the steps and answer any and all questions. Definitely will be using Raybon Mortgage for all my future mortgage needs. I 100% recommend them!

Gladys Herrera

Raybon Mortgage is 100% committed to on-time closings!

Call Thelma today to find out which home loan options you may qualify for; even if you're just exploring the idea of home ownership; they are a full service mortgage lender. They work hard to secure competitive rates, simple fees, and fast closing times. They always keep you in the loop during the process and answer all your questions. With in-house processing, underwriting, and funding, Raybon Mortgage is 100% committed to on-time closings and satisfying home-financing experiences.

Angel Leia
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