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. operates as a CrossCountry Mortgage branch in Sacramento, CA, America's #1 Retail Mortgage Lender for three consecutive years. They offer purchase mortgages, refinancing, HELOCs, renovation loans, and self-employed mortgage options with competitive rates and efficient processing. With a perfect 5.0-star rating from 1,389 Google reviews, their team is known for closing loans within 30 days and providing transparent communication throughout the entire financing process.
“Communication is extremely important to me, and Candace exceeded my expectations. No matter the time or day, she was responsive, knowledgeable, and always kept the lines of communication open. Her professionalism and dedication truly made the process smooth. I will absolutely be referring more clients to her and her team.”
— Clairessa Benton, Google Review · 5 ★ avg from 1389 reviewsEmpire Home Loans, Inc. is a mortgage brokerage based in Fair Oaks, CA, led by experienced loan officers who specialize in purchase loans and refinancing across California and Arizona. With a 5-star rating from over 1,100 Google reviews, their team is known for fast closings (often under 2 weeks for refinances), clear communication, and technology-driven tools that find competitive rates from top lenders. They serve first-time homebuyers, homeowners refinancing for better rates, and co-signers navigating complex loan scenarios throughout the Sacramento area and beyond.
“My wife and I worked with Liz Anguiz at Empire Home Loans. She delivered excellence every single time. Our experience with Liz was no pressure, no rush, just clear guidance and genuine care. We called Liz multiple times with several questions throughout the process, and she was amazing every single time. She responded quickly, thoroughly, and with patience, making sure we fully understood every detail. Her responsiveness and accessibility truly sets her apart. She thoughtfully offered us creative solutions, and kept the transaction moving with precision and urgency. Through out the process, she communicated clearly, definitely got us the best rate possible, and consistently went above and beyond. We enjoyed our experience working with Liz. If you want a lender who is knowledgeable, ethical, responsive, and fully invested in your success, Liz is the one you want in your corner. We will surely be referring people to you in the future. We wish you continued success and thanks for helping us get our dream home!”
— Wayne Dias, Google Review · 5 ★ avg from 1112 reviewsAFC Mortgage is a Sacramento-based mortgage brokerage led by experienced loan officers including Ken Miller, Jason Farr, Beatrice Maldonado, and Felipe, specializing in home purchase loans, refinancing, VA loans, and cash-out refinances. With a 5-star rating from 392 Google reviews, they're known for fast funding (typically under 30 days), competitive rate comparisons across multiple lenders, and personalized guidance for first-time buyers, veterans, and experienced homeowners throughout Sacramento and Northern California.
“Ken Miller, AFC Mortgage, was excellent in all aspects in putting my equity loan together. Was always available to answer my questions and always pleasant and patient. Explain aspects of the loan in a professional manner and insured that I understood things as we went along in the loan process. Great at keeping me informed as loan was being processed. Ken was a referral from a friend and he was highly recommended and I can see why. Any transaction like this that I may have future will be processed through Ken Miller from AFC Mortgage. Thank you Ken!”
— Richard Hernandez, Google Review · 5 ★ avg from 392 reviewsGreen Haven Capital Inc. is a top-rated Sacramento mortgage brokerage led by nationally recognized loan professionals who specialize in competitive offer strategies, investment property financing, and complex deal structuring. Founded in 2008, the team has financed thousands of loans across California, Colorado, Utah, Maryland, Oregon, Texas, and Tennessee, earning 800+ five-star reviews for their proactive underwriting approach that identifies issues upfront and positions clients to win in competitive markets. Whether you're a first-time buyer, move-up buyer, or real estate investor, Green Haven combines technology, personalized service, and strategic financing expertise to deliver fast closings and long-term results.
“Kevin and his team at Green Haven Capital were incredible to work with. I compared multiple mortgage brokers and lenders, and no one came close to the rate Kevin’s team secured. On top of that, they had zero lender fees, which saved me a lot. I really appreciated Kevin's responsiveness. Anytime I had a question, he got back to me quickly and explained everything clearly. The whole process felt smooth and stress-free because of him. If you want a mortgage broker who delivers great rates and actually looks out for you, I highly recommend Kevin and Green Haven Capital.”
— John Nguyen, Google Review · 5 ★ avg from 357 reviewsGFL Capital Mortgage is a Sacramento-based mortgage lender specializing in fast closings and personalized service. Led by experienced loan officers including Greg Louie and Brian Chan, they handle purchase loans and refinances with a focus on closing in 14 days or less. With a perfect 5.0-star rating from 360+ Google reviews, GFL Capital serves homebuyers and homeowners throughout the Sacramento region looking for responsive, knowledgeable mortgage guidance.
“Brian Chan at GFL Capital Mortgage made our home-buying process smoother and less stressful than we ever expected. From day one, Brian was responsive, patient, and knowledgeable. He took the time to explain every step of the loan process, answered all our questions clearly, and never made us feel rushed. What stood out most was how quick and concise his communication was. Brian kept us updated at every milestone, made sure we understood what to expect next. We always felt like he was looking out for our best interests. Brian’s guidance gave us real peace of mind. We truly couldn’t have asked for a better lending experience. If you’re looking for someone who’s reliable, honest, and dedicated to helping you, we highly recommend Brian Chan and the team at GFL Capital Mortgage.”
— Karlan, Google Review · 5 ★ avg from 359 reviewsBetter Rate Mortgage, Inc. is a Roseville-based mortgage lender specializing in home purchase loans and refinancing with a streamlined digital process. Known for quick closings (weeks, not months) and personalized service, they've earned a perfect 5.0-star rating from over 300 Google reviews. Their team offers real-person support throughout the loan process, serving homebuyers and homeowners in Roseville, CA and the greater Sacramento area.
“We worked with Ahmed and he was able to jump in on what was a very fast home purchase. His diligence, follow up and great communication is 100% what got our offer accepted over others. He has made the whole experience of our first home purchase stress free and seamless. I highly recommend his services!”
— Erica Needham, Google Review · 5 ★ avg from 306 reviewsWest Coast Mortgage Group is a Sacramento-based mortgage lender with over 35 years of experience helping clients secure home loans and refinancing. Led by Rafael Arrieta and a team of licensed loan officers, they specialize in purchase loans, refinancing, and customized mortgage solutions for first-time buyers, families upgrading, and homeowners seeking better rates. Located on Broadway in East Sacramento, they serve the greater Sacramento metro area and surrounding counties with a 5.0-star rating from 250+ Google reviews.
“I can't say enough about Michael Varni at West Coast Mortgage Group! Michael helped us secure the lowest rate available to refinance my house and went above-and-beyond to ensure that I had a smooth process/experience from beginning to end. He is super prompt, professional, transparent, and very service-oriented in every sense. You will not be disappointed with Michael! I highly recommend you to reach out to Michael. You will not be disappointed!”
— Shiggy, Google Review · 5 ★ avg from 254 reviewsPrecision Home Loans is an Elk Grove branch of Alameda Mortgage Corporation (NMLS #271603), a California-licensed mortgage lender specializing in fast closings and personalized loan solutions. Their experienced loan consultants offer FHA, VA, USDA, conventional fixed-rate, ARM, jumbo, and down payment assistance programs tailored to first-time buyers, veterans, rural property purchasers, and move-up buyers throughout the Sacramento region. With a 5.0-star rating from 168 Google reviews, they're known for their Quick Close process and hands-on service.
Joe Alves runs California Home Loans, a local independent mortgage brokerage in Gold River, CA with over 30 years of combined industry experience. They specialize in purchase loans, refinances, reverse mortgages, and debt consolidation, with access to wholesale rates that often beat big banks. Known for fast closings (often under 20 days) and waiving appraisals and fees when possible, they hold a perfect 5.0-star rating from 140+ Google reviews.
“We will definitely send referrals to Joe Alves and his amazing team! They first processed our mortgage and then lowered our rates by refinancing our loan. They were always personable and made the entire process easy. Many thanks to Joe and his team for helping our family save money!”
— Michelle, Google Review · 5 ★ avg from 140 reviewsGolden Bay Mortgage Group is a Sacramento-based mortgage brokerage led by Cam Villa (NMLS: 1403489), specializing in home purchase loans and refinances with competitive rates and a streamlined digital application process. Known for fast closings (typically under 30 days), personalized service, and transparent pricing, they serve homebuyers and homeowners throughout the Sacramento area. They hold a perfect 5.0-star rating from 134+ Google reviews.
“Repeat customers for a reason. We’ve worked with Cam Villa at Golden Bay Mortgage before and had a great experience, so we used him again for our home purchase in Truckee. He delivered once again we closed a conventional loan in just 21 days with zero hiccups. Clear communication, fast execution, and a smooth process from start to finish. Highly recommend Cam and Golden Bay Mortgage.”
— Dandee Varglay, Google Review · 5 ★ avg from 134 reviewsBroker Direct Lending is a family-owned wholesale mortgage brokerage led by Marcus Johnson, a mortgage professional with over 23 years of experience serving Auburn, the Sierra Foothills, and all of California. Unlike traditional banks, they shop top wholesale lenders to secure lower rates and faster closings for buyers and refinancers. With a perfect 5-star rating from 109+ Google reviews and offices in Auburn and Orange County, they provide same-day pre-approvals and personal guidance from application to closing.
“As a first-time homebuyer, I feel incredibly lucky to have been referred to Marcus and his team. From start to finish, Marcus was nothing short of exceptional. He’s a true professional with a deep understanding of both the housing and financial markets. His guidance was invaluable, especially in today’s competitive and high-interest-rate environment. We worked together for nearly 10 months, making four offers in a tough market with shifting financial circumstances. Through it all, Marcus was unwavering in his support. He took the time to thoroughly research each opportunity and crafted thoughtful, strategic offers that gave me the confidence to compete and the peace of mind to walk away when it wasn’t the right fit. What really sets Marcus apart is his dedication and personal investment in your success. He connected me with an incredible team of professionals, from my realtor to the appraiser and insurance providers, all of whom were top-notch. Even after closing, Marcus has continued to be an amazing resource, offering insight and advice as I weigh refinancing options. Marcus is not only a mortgage guru but also a trusted partner throughout the entire home-buying journey. I can’t recommend him highly enough to anyone looking to buy a home, whether it’s your first or your fifth.”
— Amber M, Google Review · 5 ★ avg from 109 reviewsMichael Buccella is a mortgage lender based in Sacramento, CA, operating through West Coast Mortgage. With a perfect 5-star rating from 71 Google reviews, Michael specializes in helping first-time homebuyers, refinancing, and navigating complex loan scenarios. He serves Sacramento County and surrounding areas with personalized mortgage solutions and hands-on guidance throughout the loan process.
“Michael Buccella is an excellent Mortgage lender. I have worked with Michael twice now, first on a home refinance and recently on a home purchase. Deals in two different states. Michael is always professional and goes above and beyond to overcome any bumps in the road. Michael communicates extremely well and kept me updated every step of the way. Financing a home can be challenging, but Michael never wavered and saw the deal close after an exhausting 4 and a half months. Michael has earned my trust and respect. I wholeheartedly recommend Michael for any home finance needs, he will not let you down!”
— Jay Andrus, Google Review · 5 ★ avg from 71 reviewsAlbert Chavez HomeLoan Team is a Sacramento-based mortgage lending team led by Albert Chavez, a dedicated loan officer serving the greater Sacramento area. Known for personalized service and 24/7 availability, the team specializes in first-time homebuyer programs, refinancing, FHA/VA loans, and navigating complex credit situations. With a perfect 5.0-star rating from 71+ Google reviews, they're recognized for making the home financing process straightforward and stress-free for buyers throughout Sacramento and surrounding communities.
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 licensed mortgage loan originator with American Pacific Mortgage in Sacramento, CA, specializing in first-time homebuyer education and purchase loans. His team is known for leading free homebuyer workshops across California, Florida, and Texas, walking clients through the loan process step-by-step with personalized purchase and refinance consultations. With a 4.9-star rating from 311 Google reviews and 700+ five-star reviews across platforms, Jason serves Sacramento and the surrounding region.
Kappel Mortgage Group (KMG) is a Sacramento-based mortgage brokerage led by Ted Kappel and his experienced team of loan consultants. With a perfect 5-star rating from 44+ Google reviews, KMG specializes in purchase loans, refinancing, VA loans, first-time buyer programs, and reverse mortgages throughout California. Their team provides personalized guidance through the entire mortgage process, with extended hours 8 AM–9 PM Monday through Saturday to serve Sacramento and surrounding communities.
“I recently refinanced my loan with Ted and Jennifer Kappel at KMG, and I couldn’t be happier with the experience! They were able to get me an amazing rate, but what really stood out was their incredible customer service. They made the process smooth, stress-free, and took the time to answer all my questions. You can tell they truly care about their clients and go the extra mile to make sure everything is done right. If you’re looking for a knowledgeable and trustworthy team for your mortgage needs, I highly recommend them!”
— Norma Farr, Google Review · 5 ★ avg from 44 reviewsGabriel Nusz is a licensed mortgage Loan Officer (NMLS: 1431980, DRE: 02117116) with Legacy Lenders & Realty, serving Sacramento, Marin County, and San Francisco. He specializes in first-time homebuyer programs, FHA and VA loans, jumbo loans, and refinancing solutions across California and seven additional states. With a 5-star rating from 42+ Google reviews, Gabriel provides personalized mortgage guidance and down payment assistance programs to help families navigate the homebuying process with confidence.
“We had refinanced a little over a year ago and the company that I went through didn’t include our property taxes or home owners insurance with the new payment/ escrow. So 12 months later we had a negative balance in our escrow account. I didn’t know what to do so I gave Gabe a call who was our original loan officer. He helped look over our documents and gave his best advice to us and that was for us to refinance again. He made the whole process quick, and very little stress and made me feel at ease and solved a potentially major issue for us. I highly recommend Gabe and his team if you’re buying a house, refinancing, or need assistance with debt consolidation. Thank you again!!!”
— Jackie Tatham, Google Review · 5 ★ avg from 42 reviewsNew 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 Licensed Loan Originator (NMLS #1681730) with Barrett Financial Group, serving Citrus Heights and the Sacramento region. Her team specializes in purchase loans and refinancing for families building wealth through homeownership, offering personalized service rooted in community values. With a 5-star rating from 32+ Google reviews, Veronica and her partners Rebecca Woodcock and Colleen Sherman provide hands-on guidance from pre-approval through closing.
“I am beyond grateful for my loan officer! She was the third one I worked with, and she is the one who finally made everything happen. When things felt frustrating and uncertain, she stepped in, reviewed everything carefully, and fixed the deal. Her knowledge, persistence, and dedication truly saved the process. She was responsive, professional, and always took the time to explain each step so I felt confident and informed. Most importantly, she didn’t give up when things got complicated. She worked hard behind the scenes to make sure we closed successfully. If you’re looking for someone who is determined, trustworthy, and truly committed to getting the job done, she is the one. I highly recommend her!”
— Ashley Haywood, Google Review · 5 ★ avg from 32 reviewsNicholas Mineo is a licensed Mortgage Loan Officer (NMLS #1210063) serving Sacramento and the greater Bay Area through Excel Mortgage Services. With a 5.0-star rating from 30+ Google reviews, Nick specializes in home purchase loans, refinancing, and cash-out refinances for first-time buyers and experienced homeowners. Known for securing competitive rates and guiding clients through fast, streamlined closings—often in under 30 days—he takes a personalized approach to finding loan terms that fit each client's financial goals.
“If you are looking for a loan officer that has ambition, Nick is the person for you. No matter what your situation is Nick, has a solution. He never made it seem like it was not possible for you to own a home. All Nick asked of us was to follow what he suggest for us to do. He always made us feel like we were the best buyers, when we knew we has some challenges. Some sellers did not feel our loan was strong enough and they hesitated to accept our offer, until they talked to Nick. Nick told us from day one, he would not submit anything to his underwriter unless he was sure it was acceptable. Nick is a man of his word. we closed on our home three weeks from the day our offer was accepted. If you want the G.O.A.T mortgage loans, call Nick! HE WILL GET IT DONE..... I will never use anyone else.”
— Marquetta Bennett, Google Review · 5 ★ avg from 30 reviewsMimi 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.