Serving the San Gabriel Valley since 2015. $0 Out-of-Pocket Broker Fee.

Get a Lower Mortgage Rate Without Calling 100 Banks

We shop 100+ wholesale lenders and bring you the lowest rate. You fill out one form. We do the rest. If we can't find you a better deal, we'll tell you honestly.

Get my free rate comparison Calculate Your Payment

No credit impact. No obligation. One real person, no call center.

NMLS# 1484338California Licensed BrokerEqual Housing Lender

Why Your Bank Doesn't Want You to Know About Mortgage Brokers

Why Your Bank Doesn't Want You to Know About Mortgage Brokers

Joann Ton, Loan Officer at NetCORE Lending™

I'm Joann. I'm the one who calls you.

Joann Ton, Loan OfficerNMLS# 1461031English / Tiếng Việt

I'm Joann, and I'm the person who calls you after you request a rate comparison. I'll explain your options in plain English or Vietnamese, compare lenders for you, and tell you straight if a loan doesn't make sense for you yet. Self-employed, first-time buyer or ITIN borrower, I've likely seen your situation before.

People I help most often

ITIN borrowers
Self-employed borrowers
First-time buyers
Refinancing
Real estate investors

(714) 399-6361 joann@netcorelending.com

Apply with Joann View Full Profile

What Is NetCORE Lending?

NetCORE Lending (legal name: NetCORE Investment Group, Inc., NMLS# 1484338) is a California-licensed mortgage broker founded in 2015 and headquartered in Glendora, CA. Unlike a bank or retail lender that offers only its own products, NetCORE Lending shops 100+ wholesale lenders to find each borrower the lowest available rate across 24 loan programs — including conventional, FHA, VA, jumbo, non-QM, DSCR, construction, bridge, medical professional, and SBA business loans. The borrower pays no out-of-pocket broker fee; the selected lender pays NetCORE Lending's compensation, which means borrowers get wholesale pricing without extra cost. The team speaks English and Vietnamese and serves homebuyers, real estate investors, and small business owners throughout California, with deep local expertise in the San Gabriel Valley communities of Glendora, Diamond Bar, Pomona, Walnut, Rowland Heights, West Covina, and Chino Hills. Borrowers can get pre-qualified online in minutes, with no credit impact and no obligation, or call (714) 399-6361 for a free consultation.

Location: Glendora, CA 91740
Founded: 2015
Phone: (714) 399-6361
Languages: English, Vietnamese
Licensed & Affiliated: NMLS Licensed #1484338
California DRE (Licensed Broker)
Equal Housing Lender
California MBA (Member)
AIME (Member)

See the lenders we compare

UWM
NewRez Wholesale
PennyMac
Flagstar Bank
REMN Wholesale
The Loan Store
AFR Wholesale
PRMG
Equity Prime Mortgage
Newfi Wholesale
JMAC Lending
Plaza Home Mortgage
Orion Lending
Freedom Mortgage
Kind Lending

And many more wholesale lenders across California.

Current Rates

Today's California Mortgage Rates

National averages from Mortgage News Daily, so you can see where the market is today. Your own rate depends on your credit, down payment, and loan, and we're happy to shop it for you.

Conventional 30-Year Fixed
Most popular
7.59%
Up +0.03%
FHA 30-Year Fixed
Low down payment
7.22%
Up +0.02%
Jumbo 30-Year Fixed
Higher-priced homes
7.71%
Up +0.01%
Conventional 15-Year Fixed
Pay off faster
7.22%
Unchanged 0.00%
VA 30-Year Fixed
Veterans, $0 down
7.23%
Up +0.01%
ARM 7/6 SOFR ARM
Lower starting rate
6.95%
Up +0.06%

Get my free rate comparison View All Rates

Live rates as of October 7, 2026

Source: Mortgage News Daily, national averages. Rates change daily.

Rates can change multiple times per day. Today's rate may not be available tomorrow.

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend.

Rate disclosures

Rates shown are national averages provided by Mortgage News Daily and are for informational purposes only. Rates are subject to change without notice. Your actual rate will depend on your credit score, down payment, loan type, property type, and other factors. These rates do not reflect the rates offered by NetCORE Lending™. Contact us at (714) 399-6361 for a personalized rate quote. NetCORE Investment Group, Inc. dba NetCORE Lending. NMLS# 1484338. Equal Housing Lender.

Loan Programs

Which Mortgage Is Right for You?

Whether it's your first home or your fifth rental, we'll help you find the right fit from 24 loan programs.

Conventional Mortgages

A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.

From 3% down

FHA Home Loans

Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.

From 3.5% down

VA Loans

Exclusive mortgage benefit for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs with no down payment required.

From 0% down

Jumbo Mortgages

Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.

From 20% down

Mortgage Refinancing

Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.

Non-QM Loans

Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.

From 10% down

View All 24 Loan Products→

The Broker Advantage

Why Choose a Mortgage Broker? Your Bank Shops 1 Lender. We Shop 100+.

Most people take the first rate they're offered. We'd rather you didn't. We compare wholesale lenders for you, and the lender pays our fee, not you.

One application, and we do all the comparing for you
No out-of-pocket broker fee. The lender pays our compensation
Pre-qualify in 2 minutes with no impact to your credit score
A loan officer who knows your name and answers the phone, not a call center

Let's talk about your loan

2015

Founded

24

Loan Programs

12

San Gabriel Valley Cities

100+

Lender Partners

5.0★

Client Rating

How Does the Mortgage Process Work?

Getting your best mortgage rate shouldn't be a second job. Here's how we make it effortless.

1. You Answer 5 Questions (2 Minutes)
Tell us your goal, price range, and credit range. No SSN. No credit pull. Takes less time than ordering coffee.
2. We Compare Lenders For You
While you go about your day, we compare rates from our entire lender network. You get the best option — not the only option.
3. You Get the Keys
We handle every form, call, and deadline. You show up to sign and move in. Closings as fast as 21 days.

Is This Right for You?

This is for you if...

You want the lowest rate available — not just one bank's rate
You're buying, refinancing, or investing in California real estate
You want someone to explain your options in plain English or Vietnamese
You'd rather have an expert shop rates FOR you than do it yourself
You want a loan officer who actually picks up the phone

This is not for you if...

You've already locked a rate you're thrilled with
You enjoy spending 40 hours calling banks and comparing fine print
You prefer working with a call center over a real person

If the first list sounds like you, let's talk.

Get my free rate comparison

No credit impact. No obligation. The form takes about 2 minutes. We personally review every application.

What Do Borrowers Say About NetCORE Lending?

“Bryan and Joanna are the best highly recommend!!!”

TJ Lacsamana

GoogleConventional Mortgages

April 3, 2021

“A+ service. Bryan is professional. Very responsive and provided great recommendation.”

Norman L

GoogleNon-QM Loans

April 2, 2021

“Bryan was very knowledgeable with the refinancing process. He was very responsive and always kept me in the loop with what was going on with the refinance. I would definitely recommend Bryan to anyone looking to refinance their home.”

Jeffrey Lo

GoogleMortgage Refinancing

April 2, 2021

“Bryan was extremely helpful throughout the entire refinance process. He communicated with me daily to keep me updated on the status of my loan. We were able to close within 30 days and I got the lowest rate available. I would highly recommend Bryan and NetCORE Lending™ to anyone looking to refinance or purchase a home.”

Secured the lowest rate available

Henry Thai

GoogleMortgage Refinancing

July 28, 2020

Read All Reviews→

Individual results vary based on credit profile, income, property, and market conditions.

What Should You Know Before Getting a Mortgage?

Rate Updates

California Mortgage Rates: Week of October 6, 2026

Mortgage rates hold relatively steady this week with slight improvements on conventional loans. See current rates and what's ahead for California borrowers.

October 6, 2026

Market Updates

Leadership Shifts: What's Next for Mortgage Lenders

Long and Foster names new president and CEO. Here's what leadership transitions mean for California homebuyers and borrowers.

October 5, 2026

Market Updates

Build Housing Faster: What DC's New Plan Means for You

Bipartisan lawmakers push housing reform targeting zoning, costs, and financing barriers. Here's how it could impact California homebuyers.

October 5, 2026

View All Posts→

Still Paying the First Rate You Were Offered?

Most borrowers leave thousands on the table because they never get a second opinion. Yours takes 2 minutes and costs nothing.

Get my free rate comparison Call Joann: (714) 399-6361

No credit impact. No obligation. If we can't help, we'll tell you.

NMLS# 1484338 | Equal Housing Lender | Individual results vary.