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Welcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage Broker

Welcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage BrokerWelcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage BrokerWelcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage Broker

Helping You Find the Right Loan, Right Here in the Inland Empire

Book a Free Consultation
Call Now

Welcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage Broker

Welcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage BrokerWelcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage BrokerWelcome to McCabe Mortgage – Your Trusted Inland Empire Mortgage Broker

Helping You Find the Right Loan, Right Here in the Inland Empire

Book a Free Consultation
Call Now

Inland Empire Mortgage Solutions Tailored for You

Meet Patrick McCabe

Victorville native and McCabe Mortgage founder Patrick McCabe has 20+ years as a Certified Mortgage Planner, Top Purchase Loan Officer, and refinance specialist.


Specializing in VA home loans Victorville, first-time home buyer mortgages Inland Empire, FHA loans Southern California, cash-out refinance High Desert, and jumbo loans Rancho Cucamonga—with no-pressure guidance and agent tools like the Real-Time Referral Program.


Schedule a chat or call (760) 766-2303 for pre-approval.


Equal Housing Lender | NMLS #463470

Why Work With McCabe Mortgage?

Local Expertise

We live and work in the Inland Empire, so we understand the unique opportunities and challenges of the local market. 

Personalized Loan Solutions

From first-time homebuyer programs to VA, FHA, conventional, and jumbo loans—we match you with the mortgage that fits your needs and budget. 

Fast, Transparent Process

Fast, Transparent Process

Fast, Transparent Process

No surprises, no stress. We keep you informed and on track from pre-approval to closing. 

Multiple Lender Access

Fast, Transparent Process

Fast, Transparent Process

 We shop around so you don’t have to—ensuring you get the best rates and terms available. 

Our Most Popular Loan Programs

  • First-Time Homebuyer Loans
  • FHA Loans
  • VA Loans
  • Conventional Loans
  • Refinancing Options
  • Investment Property Loans
  • Niche Products/Non-QM
  • Down Payment Assistance 


Not sure which loan is right for you? Schedule a free consultation with our expert team today.

Serving the Entire Inland Empire

🔹 San Bernardino County

  • San Bernardino
  • Ontario
  • Rancho Cucamonga
  • Fontana
  • Victorville
  • Hesperia
  • Apple Valley
  • Chino / Chino Hills
  • Colton
  • Redlands
  • Highland
  • Loma Linda
  • Yucaipa
  • Barstow
  • Adelanto
  • Big Bear Lake

🔹 Riverside County

  • Riverside
  • Corona
  • Moreno Valley
  • Temecula
  • Murrieta
  • Hemet
  • Menifee
  • Perris
  • Lake Elsinore
  • Beaumont
  • Banning
  • Eastvale
  • Norco
  • Indio
  • Palm Desert
  • Palm Springs
  • Coachella

What Our Clients Say

 “McCabe Mortgage helped us close on our dream home in Riverside with a great rate. Fast, responsive, and professional from start to finish.”
— Jessica & Marcus M., Riverside, CA 

 “I had a lot of questions as a first-time buyer, but they walked me through everything. Highly recommend!”
— Luis R., San Bernardino, CA 

Let’s Make Home Happen

 Buying or refinancing doesn’t have to be overwhelming. McCabe Mortgage is here to simplify the process, save you money, and get you home faster. 

📞 Call us today at (760) 766-2303
📩 Or schedule your free consultation now—let’s talk about your options. 

Frequently Asked Questions

 

Explore our first-time home buyer resources or learn about Patrick McCabe's expertise. Ready to chat? Call (760) 766-2303 or schedule a free consultation today.

Dreaming of your first home amid the stunning views of Spring Valley Lake or Victorville's family-friendly neighborhoods? With local prices around $435,000 and rates at 6.25%, first-time buyers in Southern California can access affordable paths without the overwhelm. At McCabe Mortgage, Patrick McCabe tailors options like FHA and conventional loans to your story, emphasizing low down payments and flexible credit - because we know buying your first home is about more than numbers; it's about building roots.

Key choices for Inland Empire starters:

  • FHA Loans: As little as 3.5% down (about $15,225 on a $435K home), ideal for credit scores 580+ and busy young families - government-backed for peace of mind.
  • 3% Down Conventional Loans: For stronger credit (620+), with PMI that drops once you hit 20% equity, saving long-term in the High Desert's steady market.
  • Down Payment Assistance Programs: California-specific grants up to 3-5% via CalHFA, stacking with our loans for near-zero out-of-pocket starts.

"Patrick and the team made our first-time purchase in Victorville feel like a friendly chat over coffee - no pressure, just real support," shares Jason M. from Rancho Cucamonga (5-star Google review). Dive into details on our first-time home buyer page or use the pre-approval tool. Get started with a quick call to (760) 766-2303 - let's empower your journey to those Spring Valley Lake sunsets.

To the brave men and women who've served our country - welcome home to the High Desert, where VA loans make ownership accessible without the barriers. Backed by the U.S. Department of Veterans Affairs, these loans offer zero down payments, no private mortgage insurance (PMI), and competitive rates around 6.25% for a 30-year fixed - perfect for eligible military families settling in Victorville or the Inland Empire's welcoming communities.

Why VA shines in Southern California:

  • No Down Payment Needed: Finance 100% of your home (up to $766,550 in most counties for 2025), freeing up funds for that Spring Valley Lake boat or family move.
  • Flexible Guidelines: Reuse benefits multiple times, with lenient credit (often 620+) and no prepayment penalties - ideal for relocations.
  • Seller Concessions: Up to 4% of costs covered, easing closings in our fast-paced market.

Patrick McCabe, a dedicated advocate for veterans, has guided hundreds through this process with hands-on empathy. "As a vet, I finally felt heard - McCabe Mortgage turned paperwork into a stress-free win," raves a Rancho Cucamonga client (Yelp 5-star). Check eligibility on our VA home loans page or connect via our locations. Schedule your no-obligation consult today at (760) 766-2303 - you've earned this.

With rates dipping to 6.25% and Victorville homes holding value at $435,000 medians, refinancing isn't just timely - it's a smart move to boost your buying power or ease monthly payments amid the High Desert's sunny lifestyle. At McCabe Mortgage, we focus on rate-and-term or cash-out options without the high-pressure pitch, helping you save like dropping from 7% to 6.25% on a $435K loan (potentially $300/month less).

Signs it's go-time for Inland Empire homeowners:

  • Rate Drops: If your current rate is 0.5%+ higher, lock in savings - our proactive updates keep you ahead.
  • Cash-Out Needs: Tap equity (up to 80% LTV) for debt payoff, renovations, or that Spring Valley Lake backyard upgrade.
  • Break-Even Quick: Most recoup costs in 2-3 years, with no appraisal hassles for streamlined refis.

"Our refinance with Patrick was seamless - he explained every step, saving us thousands without the runaround," says a satisfied Victorville client (100+ Google reviews). Crunch numbers on our refinance page or request a personalized quote. Call (760) 766-2303 now - rates won't wait, but we'll guide you every step.

Retiring in the peaceful foothills of Rancho Cucamonga or the lakeside charm of Spring Valley Lake? Reverse mortgages can unlock your home's equity as tax-free cash - without monthly payments or leaving your beloved home - making golden years more comfortable in California's vibrant senior communities. At McCabe Mortgage, Patrick McCabe demystifies FHA-insured HECMs (up to $1,149,825 limit for 2025) with counseling and no-obligation advice, ensuring it aligns with your legacy goals.

Pros for High Desert retirees:

  • Stay Put: Access funds via lump sum, line of credit, or monthly payments while owning your home outright.
  • Eligibility Ease: Age 62+, home value $435K+, and minimal debt - rates around 6.25% accrue interest only.
  • Protection Built-In: Mandatory counseling safeguards against pitfalls, with heirs able to repay without loss.

"Patrick's gentle expertise made reverse mortgage feel empowering, not overwhelming - we're enjoying our Victorville sunsets debt-free," shares a senior client (5-star review). Learn more on our refinance and equity access options or explore locations. As an Equal Housing Lender (NMLS #463470), we're here for you - reach out at (760) 766-2303 for a confidential chat.

Scaling up to that spacious ranch in Rancho Cucamonga or a custom build overlooking the Inland Empire? Jumbo loans from McCabe Mortgage cover purchases exceeding $766,550 (2025 conforming limits), with competitive rates near 6.25% and terms up to 30 years - tailored for professionals and families seeking luxury without compromise.

High Desert and SoCal highlights:

  • Flexible Qualification: 10-20% down, credit 700+, but Patrick's strategies accommodate self-employed borrowers.
  • Local Perks: No PMI options and fast closings, leveraging our West Coast realtor partnerships for seamless deals.
  • Investment Angle: Pair with cash-out for multi-property plays in growing areas like Victorville.

"McCabe's jumbo process was a breeze - responsive team, unbeatable rates for our dream home," notes a Rancho Cucamonga buyer (Google 5-star). Partner with us via the Real-Time Referral Program for agents, or browse our full loan suite. Get pre-approved today by calling (760) 766-2303 - let's connect you to what matters most. 

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