Areas served: Sacramento, CA and surrounding Sacramento County
Sacramento's mortgage market serves a diverse housing landscape spanning from historic neighborhoods like Land Park and Curtis Park to growing suburbs in Natomas and Elk Grove. Local mortgage brokers navigate both conventional and specialized loan programs, including CalHFA down payment assistance programs popular among first-time buyers in the region. This directory provides detailed profiles of Sacramento-area mortgage brokers, evaluated on their loan program access, rate structures, processing timelines, and experience with local property types ranging from downtown condos to suburban single-family homes.
Summit Funding, Inc. is a local Sacramento branch of CrossCountry Mortgage, America's #1 retail mortgage lender. They specialize in home purchase financing, refinancing, home equity loans, and down payment assistance programs for first-time homebuyers, property investors, and medical professionals. With access to multiple loan products including FHA, VA, jumbo loans, physician loans, and Non-QM options, they help borrowers across various financial situations find competitive rates and close quickly.
Empire Home Loans is a mortgage lender serving homebuyers and refinancing clients across multiple states from their Fair Oaks, California headquarters. They specialize in connecting borrowers with loan programs from top lenders tailored to individual budgets and goals, offering both purchase mortgages and refinancing solutions. Their approach emphasizes transparency, personalized service from experienced loan officers, and technology-driven tools to streamline the lending process.
AFC Mortgage is a Sacramento-based mortgage broker offering home purchase loans, refinancing, VA loans, FHA loans, and cash-out refinances. Their experienced team of mortgage advisors helps borrowers compare rates across multiple lenders, secure fast funding (often within 30 days), and find loan terms tailored to individual financial situations. They stand out for competitive rates, streamlined online applications, and personalized guidance through the entire buying or refinancing process.
Green Haven Capital Inc. is a Sacramento-based mortgage broker founded in 2008, specializing in strategic financing solutions for homebuyers and real estate investors. Led by nationally recognized loan professionals, they offer fixed-rate mortgages, FHA loans, VA loans, USDA loans, jumbo loans, refinancing, investment property financing, and construction loans across California, Colorado, Utah, Maryland, Oregon, Texas, and Tennessee. Their approach goes beyond basic pre-approvals to identify potential issues upfront, optimize loan structure, and provide personalized guidance tailored to each client's long-term financial goals.
GFL Capital Mortgage is a Sacramento-based mortgage lender specializing in fast closings and personalized service. They offer purchase mortgages, refinancing, and a range of loan programs including 30-year fixed, 15-year fixed, and other options tailored to individual borrower needs. Known for their "Quick Close" guarantee of 14 days or less, GFL Capital combines experienced loan officers with efficient processing to help homebuyers and refinancers achieve their financial goals.
Better Rate Mortgage, Inc. is a mortgage lender based in Roseville, CA specializing in home purchase loans and refinancing. They offer a streamlined digital application process with quick closings, personalized service from real people, and competitive rates. The company focuses on making the lending experience stress-free with free pre-approval letters, rate quotes, and expert guidance from dedicated loan officers.
West Coast Mortgage Group is a Sacramento-based mortgage lender offering home purchase and refinance loans to borrowers throughout the region. Led by Rafael Arrieta, the company provides a straightforward 3-step mortgage process: pre-approval and shopping, mortgage processing and underwriting, and closing escrow. They specialize in helping homebuyers and refinancing clients navigate their mortgage goals with personalized service.
Precision Home Loans is a locally owned mortgage lender serving California's Central Valley with multiple branches in Elk Grove, Fresno, Napa, Roseville, and Yuba City. They specialize in a comprehensive range of loan programs including fixed-rate mortgages, FHA loans (with down payments as low as 3.5%), VA loans for active military and veterans, USDA rural loans, jumbo loans, and ARM options. Their streamlined process features fast pre-qualification, a secure online portal for document upload and status tracking, and personalized consultant support to match borrowers with the right loan product for their specific goals.
California Home Loans is an independent mortgage broker in Gold River serving the Sacramento region with over 30 years of combined industry experience. They specialize in home purchases, refinances, reverse mortgages for borrowers 62+, and offer access to multiple lenders with wholesale rates that undercut big banks. Known for fast closings (20 days or less), transparent pricing with no hidden fees, and personalized service that guides clients through every step of the mortgage process.
Golden Bay Mortgage Group is a Sacramento-based mortgage lender offering comprehensive financing solutions for homebuyers and refinancing customers. Licensed under DRE# 01989440 and NMLS ID# 1403489, they provide personalized mortgage services including conventional loans, FHA/VA financing, and jumbo loans. The team works directly with borrowers to find the right loan products and competitive rates for their specific financial situations.
Broker Direct Lending is an independent mortgage lender in Auburn, CA specializing in personalized home financing solutions. They offer a wide range of loan programs including conventional, FHA, VA, and jumbo loans, with direct access to multiple lenders to find competitive rates for their clients. Their experienced team focuses on fast pre-approval processes and flexible options for first-time homebuyers, refinancing customers, and borrowers with unique financial situations.
Michael Buccella is an independent mortgage lender serving Sacramento and surrounding areas, offering personalized loan solutions for home purchases and refinancing. With deep expertise in conventional, FHA, VA, and jumbo loans, Buccella works directly with clients to find competitive rates and flexible terms tailored to their financial situation. His locally-focused approach emphasizes responsive service and transparent guidance throughout the lending process.
Albert Chavez HomeLoan Team is a mortgage lending service based in Sacramento specializing in home financing solutions. With a 5-star rating from 71 reviews, they help local buyers secure mortgages tailored to their financial situations. The team focuses on providing personalized service and competitive rates to first-time homebuyers and experienced investors alike.
Edge Home Finance, led by Jeff Eberhart, provides comprehensive mortgage services to homebuyers and refinancing clients in the greater Sacramento area. With a focus on personalized service and competitive rates, Jeff and his team help first-time buyers, experienced homeowners, and refinancing clients navigate the mortgage process. Their website emphasizes working with both Jeff and Tina to deliver tailored financial solutions.
Jason Mata is a mortgage loan officer with American Pacific Mortgage based in Sacramento, serving the greater Sacramento area and beyond. He specializes in helping homebuyers and homeowners navigate financing options including conventional loans, FHA loans, VA loans, and refinancing. Known for personalized service and quick pre-approval processes, Jason Mata works to make mortgage financing accessible and straightforward for first-time buyers and experienced homeowners alike.
Kappel Mortgage Group, Inc. (KMG) is a Sacramento-based mortgage lender offering comprehensive loan solutions including conventional, FHA, VA, and jumbo mortgages. The team specializes in pre-approval, refinancing, and tailored financing options for first-time homebuyers and experienced investors alike. KMG is known for personalized service and fast processing to help clients navigate the home financing process with confidence.
Gabriel Nusz is a mortgage loan officer at Legacy Lenders & Realty, LTD., specializing in home financing solutions for Sacramento-area borrowers. With expertise in conventional, FHA, VA, and jumbo loans, Gabriel works to match clients with the right loan programs and competitive rates. He serves both first-time homebuyers and experienced investors seeking refinancing or purchase options.
New Way Mortgage is a mortgage lender serving the Sacramento area and surrounding regions. They provide a range of financing options including conventional loans, FHA loans, VA loans, and jumbo mortgages to help homebuyers and refinancing customers achieve their real estate goals. With a focus on personalized service and competitive rates, they work with clients to find loan solutions tailored to their financial situation.
Veronica DeWitt is a home loan specialist at Barrett Financial Group, serving the greater Sacramento area with personalized mortgage financing solutions. With over a decade of experience, she specializes in helping first-time homebuyers, refinancers, and clients with unique lending situations find the right loan products. Her approach focuses on transparent guidance and competitive rates tailored to individual financial circumstances.
Nicholas Mineo is a mortgage loan officer serving the Sacramento area with expertise in financing residential properties. Based at 1827 J St, he provides personalized mortgage services to help clients secure competitive loan terms for home purchases and refinancing. His direct approach and local market knowledge make him a trusted resource for navigating the mortgage process.
Mimi Boussekine at NxtGen Home Loans, powered by Xpert Home Lending, specializes in residential mortgage financing for Sacramento-area homebuyers and refinancers. The team offers personalized loan solutions including conventional, FHA, VA, and jumbo loans, with a focus on fast pre-approval processes and competitive rates. Mimi brings extensive expertise in guiding first-time buyers through the mortgage process while also serving experienced homeowners looking to refinance.
Loan Factory is a Sacramento-based finance service specializing in personal loans, auto loans, and mortgage services. With strong local roots and a commitment to personalized service, they help borrowers navigate financing options tailored to their specific needs and credit situations.
PrimeLending, A PlainsCapital Company, is a mortgage lender serving Sacramento and surrounding areas with a range of home financing solutions. The SacTown branch offers personalized mortgage services including conventional loans, FHA loans, VA loans, and refinancing options. As part of the established PlainsCapital Company, they provide access to multiple lending programs and pride themselves on competitive rates and responsive customer service for homebuyers and homeowners.
The Chris Kennedy Team at Reliant Lending is a mortgage brokerage in Sacramento specializing in home loans for first-time buyers, refinancing, and investment properties. Led by Chris Kennedy, the team provides personalized mortgage solutions with access to multiple lenders, helping borrowers find competitive rates and favorable terms tailored to their financial situation.
Matt the Mortgage Guy is a Sacramento-based mortgage brokerage that helps clients secure financing for home purchases and refinancing. Operating independently with a focus on personalized service, the team works with borrowers to find competitive loan options and guide them through the entire mortgage process with transparency and expertise.
Big Valley Mortgage is an independent mortgage lender serving Sacramento and surrounding regions with competitive loan programs and personalized service. They specialize in conventional, FHA, VA, and jumbo loans, helping first-time buyers and experienced homeowners find the right financing solutions. Their team is known for responsive communication and efficient loan processing.
365 Home Loans Inc. (ALL IN LENDING) is a mortgage lender serving the greater Sacramento area, offering personalized home financing solutions for borrowers at all stages. The team specializes in helping clients navigate the mortgage process with transparent guidance and competitive rates. They work with multiple loan programs to match borrowers with the right financing option for their needs.
Guild Mortgage Company is a locally-based mortgage lender in Sacramento offering comprehensive home financing solutions including conventional loans, FHA loans, VA loans, and jumbo mortgages. The branch specializes in helping first-time homebuyers, refinancing customers, and experienced investors navigate the lending process with personalized service and competitive rates. Their team provides fast pre-approval processes and access to multiple loan programs to match diverse financial situations.
Kim Gelbke is a Senior Loan Officer at Coast Home Loans (NMLS #1066836) serving the Sacramento area with personalized mortgage financing solutions. With 17 five-star reviews, she specializes in helping clients navigate loan options and streamline the approval process. Kim works with borrowers of all types to find the right mortgage fit for their unique financial situation.
Sheldon Cooney is a mortgage loan officer at CrossCountry Mortgage, LLC, serving the Sacramento area with personalized home financing solutions. With a perfect rating from clients, Sheldon specializes in helping borrowers navigate the mortgage process, offering access to multiple loan programs and lender options. Whether you're a first-time homebuyer or refinancing an existing mortgage, Sheldon works to find competitive rates and terms tailored to your financial situation.
Summit Funding, Inc. is the top-ranked mortgage broker in Sacramento with a Lantern Score of 85.81/100 and 1,389 five-star reviews. As a local branch of CrossCountry Mortgage, America's #1 retail mortgage lender, they specialize in home purchase financing, refinancing, home equity loans, and serve first-time homebuyers, property investors, medical professionals, and borrowers with non-standard income.
Multiple top-ranked Sacramento mortgage brokers excel with first-time homebuyers, including Summit Funding, Inc. (Lantern Score 85.81), Empire Home Loans, Inc. (85.78), and AFC Mortgage (85.57). All three offer specialized programs and personalized guidance to help first-time buyers navigate the home purchase process.
Several Sacramento mortgage brokers specialize in VA loans for veterans, including AFC Mortgage (Lantern Score 85.57), Precision Home Loans (85.14), and Broker Direct Lending (84.75). AFC Mortgage specifically highlights VA loans as a core service, while Precision Home Loans serves active military members across California's Central Valley with multiple branch locations.
GFL Capital Mortgage (Lantern Score 85.54/100) is a Sacramento-based lender specializing in fast closings with personalized service. They offer purchase mortgages, refinancing, and multiple loan programs including 30-year options, making them ideal for home buyers seeking quick closings and personalized guidance throughout the mortgage process.
Green Haven Capital Inc. (Lantern Score 85.54/100) and Summit Funding, Inc. (85.81) are excellent choices for real estate investors in Sacramento. Green Haven Capital, founded in 2008, specializes in strategic financing solutions for real estate investors, while Summit Funding serves property investors alongside their offerings for first-time homebuyers and other borrowers.
Better Rate Mortgage, Inc. (Lantern Score 85.48/100), based in Roseville, specializes in a streamlined digital application process with quick closings. They serve home buyers seeking competitive rates and homeowners refinancing to reduce monthly payments, making them ideal for borrowers who prefer managing their mortgage application online.