top of page

Serving Ontario and surrounding areas for over 20 years!

Click the key to apply for your new home loan now!!

About us
Business Meeting

About us


*Established in 2000

Raybon Mortgage has evolved into a full fletched Real Estate Mortgage entity with excellent service and a dedication to "Holding the Key" to our clients home. Serving the Inland Empire, Los Angeles, Riverside, and San Diego Counties for almost 20 years. We just recently moved into our offices centrally located in Downtown Ontario, California. Come by and check out our new offices, and we will be waiting for you to com get you key!

"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


Meet theTeam

Advertising Pic 2.JPG

Richard Centeno

President / Mortgage Broker /

DOIA Board Member 


NMLS#: 341044  BRE# 341044

Over 25 years in the Real Estate and Mortgage industry serving all of Southern California 


Thelma Centeno

Vice President /

Senior Mortgage Loan Originator


NMLS#: 30592

Over 20 years experience in the Mortgage Industry. Specializing in the following: 

Purchase/Refinances/FHA / Conventional / VA Loans / Reverse Mortgage / Alternative Credit Financing and Credit enhancement options



Conventional Loans

Mortgages that aren’t insured by the government but conform to guidelines established by Fannie Mae and Freddie Mac. You can get a conventional mortgage loan with as little as 3% down, but you’ll need at least a 620 credit score to qualify.

FHA Loans

Home loans insured by the Federal Housing Administration and provided by FHA-approved lenders. You can put as little as 3.5% down with an FHA loan if your credit score is 580 or higher. If you have a score of 500 to 579, you’ll need to put 10% down. FHA loans come with upfront and annual mortgage insurance premiums, usually for the life of the loan.

VA Loans

Mortgages backed by the U.S. Department of Veterans Affairs (VA) available to eligible military borrowers. VA loans require no down payment or mortgage insurance, but you must provide a VA certificate of eligibility to qualify.



  1. Credit scores. 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.

  2. 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

  3. 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.

  4. Employment history. 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.



Tel. 909-467-1500

Fax. 909-467-1190


Secure Email:

(Clients please send all personal information to this email)



Monday - Friday: 9:00am - 6:00pm

Saturday: (Appointment only)

Sunday: Closed

537 N. Euclid Ave Ste:100

Ontario, Ca 91762




Thanks for submitting!

bottom of page