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.
No credit impact. No obligation. No salespeople.
Since 2015
Why Your Bank Doesn't Want You to Know About Mortgage Brokers
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 Diamond Bar, 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 22 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 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
- Diamond Bar, CA 91765
- Founded
- 2015
- Phone
- (714) 399-6361
- Languages
- English, Vietnamese
Today's California Mortgage Rates
Live rates as of August 12, 2026
Source: Mortgage News Daily • Rates change daily
Rates can change multiple times per day. Today's rate may not be available tomorrow.
View All RatesRates 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™. This information is not intended to be an indication of loan qualification, loan approval, or commitment to lend. Contact us at (714) 399-6361 for a personalized rate quote. NetCORE Investment Group, Inc. dba NetCORE Lending. NMLS# 1484338. Equal Housing Lender.
Which Mortgage Is Right for You?
From first-time homebuyers to seasoned investors, we match you with the right loan from 22 programs across 100+ lenders.
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
Why Choose a Mortgage Broker? Your Bank Shops 1 Lender. We Shop 100+.
Most borrowers accept the first rate they're offered. Our clients don't. We compare rates from 100+ wholesale lenders — and the lender pays our fee, not you.
- One application, 100+ lenders compared — you don't lift a finger
- No out-of-pocket broker fee — the lender pays our compensation
- Pre-qualify in 2 minutes with no impact to your credit score
- Dedicated loan officer who answers the phone — not a call center
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Loans Funded
0+
Lender Partners
0★
Client Rating
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Loan Programs
This Is for You If...
This is NOT for you if...
If you checked the left column, we should talk.
Start The 2-Minute Rate Check — FreeNo credit pull. Results in minutes.
How Does the Mortgage Process Work?
Getting your best mortgage rate shouldn't be a second job. Here's how we make it effortless.
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.
We Shop 100+ 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.
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.
No credit impact. No obligation. Takes less time than this video.
We personally review every application — currently accepting new clients this month.
We Shop 100+ Lenders to Find Your Best Rate
As an independent mortgage broker, we're not limited to one bank's products. We compare rates and programs from top wholesale lenders to find the perfect fit for you.
And many more — we work with 100+ wholesale lenders across California.
What Do Borrowers Say About NetCORE Lending?
5 reviews on Google
Before: Paying 7.5% at their bank
After: Refinanced to 6.1% — saving hundreds per month
“Bryan and Joanna are the best highly recommend!!!”
TJ Lacsamana
April 3, 2021
Before: Told they didn't qualify by their bank
After: Approved for $650K with bank statement program
“A+ service. Bryan is professional. Very responsive and provided great recommendation.”
Norman L
April 2, 2021
Before: Overwhelmed by the mortgage process
After: Closed in 28 days with dedicated loan officer
“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
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.”
Henry Thai
July 28, 2020
Individual results vary based on credit profile, income, property, and market conditions.
Who Will Guide Your Home Loan?
Joann Ton
Loan Officer
I'm Joann Ton, committed to serving clients across the entirety of California, with a particular emphasis on Southern California. As a licensed mortgage originator, I uphold a reputation rooted in professionalism, integrity, and adept transaction management. My dedication lies in helping clients secure mortgages that align with their unique financial goals. With a sincere focus on client well-being, I aim to instill peace of mind throughout the home financing process. My ultimate goal is to ensure the seamless realization of your real estate dreams, always prioritizing your best interests. Beyond serving as your trusted real estate and loan advisor, I seek to build enduring relationships based on trust.
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.
No credit impact. No obligation. If we can't help, we'll tell you.
NMLS# 1484338 | Equal Housing Lender | Individual results vary.
What Should You Know Before Getting a Mortgage?
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