Expertise.com

2024

Last updated:

Best Mortgage Brokers in Elk Grove

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Elk Grove Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

56Reviewed

40Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8788 Elk Grove Boulevard, Elk Grove, CA 95624
WebsiteLicense: 256126

Expertise.com Rating

Review Sources

Facebook
4.0 (24)
Yelp
4.0 (21)

Why choose this provider?

Amanda Rawls is a mortgage broker that helps Elk Grove borrowers process their homeownership and refinance loans. Serving for over 25 years, Rawls specializes in handling Calhfa, Platinum, and USDA mortgage programs. She is likewise a member of the Women's Council of Realtors in Sacramento. Driven by a mission to serve the local community, her team contributes a portion of the loan closing to sponsor small food businesses and organizations, including The Veterans Advocacy and Benefits Association.

  • Refinance

2716 Broadway, Sacramento, CA 95818
WebsiteLicense: 243181

Expertise.com Rating

Review Sources

Yelp
5.0 (42)
Google
4.0 (35)
Facebook
5.0 (12)

Why choose this provider?

Kathleen Beck is a mortgage broker and lender serving clients in Elk Grove. She started her mortgage career as a loan officer for Arrowhead Capital Mortgage in 1992 and has been with West Coast Mortgage Group since 2011. From home purchasing to refinancing, Kathleen will walk clients through the loan options available, such as conventional, VA, FHA, and jumbo loans. Borrowers submitting loan applications transact directly with her. She has built lasting friendships with customers throughout her years of service.

  • Refinance

9205 Daylor Street, Elk Grove, CA 95758
WebsiteLicense: 1724782

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Beatific Bankers is a local mortgage broker that serves the needs of clients in Elk Grove. The company's professionals strive to find the best rates for clients by shopping from a variety of different programs and ensuring their loans are closed fast. It assists clients in finding a conventional, USDA, VA, reverse, or down payment assistance loan program that best meets their needs. The professionals at Beatific Bankers also communicate with clients who speak Hindi, Punjabi, Mandarin, and Spanish.

  • Refinance
  • Commercial Loans
  • Multi-Family Loans

9299 East Stockton Boulevard, Elk Grove, CA 95624
WebsiteLicense: 882728

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Google
5.0 (8)

Why choose this provider?

Mortgage One Group is a brokerage firm that serves Elk Grove and the surrounding communities. It presents clients with various loan options, including conventional, jumbo, FHA, and VA loans. Refinancing options are also available for those looking to get better rates for their mortgages. The firm also offers high balance, stated income, and reverse mortgage loans for specific situations. Mortgage One Group also assists foreigners who want to purchase homes within the U.S. through its foreign national loan program.

  • New Construction
  • Refinance

9796 Club Park Drive, Elk Grove, CA 95757

Expertise.com Rating

Review Sources

Facebook
4.0 (6)
Yelp
5.0 (5)

Why choose this provider?

Equity Zone Mortgage is an Elk Grove-based business that serves homeowners and buyers with a wide range of mortgage and refinance services. Its experienced team of mortgage professionals provides different loan options for various purposes including purchasing a home, consolidating debt, or refinancing an outstanding loan. Its loan programs include conventional loans, conforming loans, jumbo loans, FHA loans, B/C loans, and VA loans. Equity Zone Mortgage also offers location efficiency mortgage, fixed-rate mortgage, and state and local housing programs.

  • Reverse Mortgages

9401 East Stockton Boulevard, Elk Grove, CA 95624
WebsiteLicense: 235613

Expertise.com Rating

Review Sources

Facebook
4.8 (22)
Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Paradigm Mortgage Corporation was founded in 1993 and has since catered to the home financing needs of homebuyers and investors in Elk Grove and other nearby metros. It offers adjustable rate, fixed rate, and interest-only mortgages as well as refinance loans, first-time buyer, and imperfect credit programs. In addition, it also assists its clients in securing FHA, VA, jumbo, and construction loans. It also helps homeowners refinance their balloon mortgages or convert their ARM to a fixed rate loan.

  • Refinance

9687 Elk Grove Florin Road, Elk Grove, CA 95624
WebsiteLicense: 815819

Expertise.com Rating

Why choose this provider?

The Professional Mortgage Associates branch in Elk Grove has been in the mortgage brokering business since 1985, helping clients acquire loans for a home purchase or refinancing. The branch offers fixed rate and adjustable rate loans, reverse mortgages, ITIN, and Jumbo financing. FHA and VA fixed loans are also available. Manager Michael Fonseca has 33 years of experience in loan processing and taps into his experience and his knowledge of the constantly evolving lending and federal guidelines to help clients meet loan requirements.

  • Refinance

9299 East Stockton Boulevard, Elk Grove, CA 95624
WebsiteLicense: 306228

Expertise.com Rating

Review Sources

Google
4.9 (35)
Facebook
5.0 (30)
Yelp
5.0 (5)

Why choose this provider?

Anew Lending is a company serving homeowners in Elk Grove and the surrounding areas. Its team of lending specialists strives to provide clients with loans that best suit their needs. This range of loan programs includes conventional, FHA, and VA home loans. Fixed-rate and adjustable-rate loans, as well as jumbo and buydown loans, are available as well. In addition, Anew Lending can also assist homeowners with reverse mortgages as well as getting into DPA programs.

  • Multi-Family Loans

9381 East Stockton Boulevard, Elk Grove, CA 95624
WebsiteLicense: 237788

Expertise.com Rating

Review Sources

Yelp
5.0 (5)
Zillow
5.0 (3)
Google
3.0 (2)

Why choose this provider?

Johnny Delgadillo is a mortgage advisor based in Elk Grove. As a mortgage broker, Johnny assesses borrowers' home lending needs and offers loan options that match their financial circumstances. He provides access to different loan types, including 15-year and 30-year fixed mortgages, and FHA, VA, and jumbo loans. He also generates comparative mortgage quotes for home refinance and purchase loans. Having been in the mortgage industry for 19 years, Johnny works closely with his clients to ensure they understand the loan process.

  • Refinance

9250 Laguna Springs Drive, Elk Grove, CA 95758
WebsiteLicense: 231138

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Serving Elk Grove, Sheryl Hanson is a mortgage professional who is affiliated with Finance of America Mortgage. She specializes in reverse mortgages and can assist borrowers who are 62 years of age and older select from different reverse mortgage programs, such as HomeSafe and HECM. The former offers numerous options like jumbo and standard loans, while the latter is an FHA-insured loan. Hanson has been working in the mortgage industry for nearly four decades. Prior to pursuing lending, she worked as a Realtor.

  • Reverse Mortgages

9381 East Stockton Boulevard, Elk Grove, CA 95624

Expertise.com Rating

Review Sources

Google
5.0 (33)
Yelp
4.5 (6)
Facebook
5.0 (5)

Why choose this provider?

Land Home Elk Grove offers mortgage solutions, including reserve mortgages, to clients in the metro. The company has been in the industry since 1988, catering to clients purchasing a home and refinancing their mortgage loans. It provides a wide range of options designed to meet its customers' needs and financial situation. Its brokers also assist them by walking them through the process and educating them on their options. Furthermore, Land Home Elk Grove has received the Mortgage Industry Cybersecurity Certification.

  • New Construction
  • Refinance
  • Reverse Mortgages

9796 Club Park Drive, Elk Grove, CA 95757

Expertise.com Rating

Why choose this provider?

Kevin P. Nguyen is a senior mortgage consultant and a broker for Equity Zone Mortgage, serving clients in Elk Grove. He can communicate with homeowners directly, thru his assistant, and via phone or e-mail. Kevin offers to give quotes on the interest rates and possible monthly expenses of different loan programs. He educates first-time homeowners and buyers about both conventional loans and government loans, such as VA and FHA. Kevin also provides his clients with a financial and mortgage glossary to make informed loan choices.

  • New Construction

1612 Jefferson St, Suite 4, Elk Grove, CA 94559
WebsiteLicense: 254890

Expertise.com Rating

Why choose this provider?

Manufactured Home Mortgage is a group of mortgage brokers helping clients access loans in Elk Grove. It offers loan options for buying or refinancing in park mobile on homes owned or leased land. Refinance programs include cash out, home improvement programs, and debt consolidation. The company also provides lending solutions for on-land manufactured housing units, which include pre-owned and moved homes. The firm has been brokering for a diverse population, helping them avail of affordable housing for over 20 years.

9250 Laguna Springs Drive, Elk Grove, CA 95758
WebsiteLicense: 451113

Expertise.com Rating

Review Sources

Zillow
5.0 (597)
Facebook
4.0 (57)
Google
5.0 (29)

Why choose this provider?

Big Valley Mortgage is a mortgage banker assisting home buyers and investors in Elk Grove since 1990. Its loan originators can fund loans through its internal banking platform, which includes underwriting and closing capabilities. The options available are conventional, jumbo, VA, and FHA programs. Big Valley Mortgage has over 35 years of experience in the industry. It was featured as one of the top 15 mortgage banks in Mortgage Executive Magazine. It strives to help members in the local community secure homes for their families.

  • New Construction

8153 Elk Grove Boulevard, Elk Grove, CA 95758
WebsiteLicense: 386400

Expertise.com Rating

Review Sources

Facebook
5.0 (48)
Zillow
5.0 (41)

Why choose this provider?

Doug Stephan of Crown Real Estate and Mortgage delivers financing solutions to clients in Elk Grove. Stephan guides clients through the mortgage process of selling and purchasing real estate properties. He lends his advice to clients shopping around for mortgage loans appropriate to their demands. He educates clients to help them make informed decisions about mortgage products. Stephan operates with knowledge of communication, marketing, and technology. He aims to employ his skill in negotiation to aid clients in obtaining loans.

  • Purchase Transactions

9401 East Stockton Boulevard Suite 200, Elk Grove, CA 95624
WebsiteLicense: 1399087

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Armcor Home Loans, Inc., is a mortgage broker that serves clients in Elk Grove. It offers a wide range of mortgage loan options for homebuyers and homeowners, including cash-out refinancing, conventional, jumbo, FHA, and VA home loans. The owner, Armando Cornejo, has a background in accounting, and he has been dealing with finances since 1998. He started his career in the mortgage industry in August 2016, and he became a mortgage broker in 2018. In addition, he is fluent in both English and Spanish.

  • Refinance

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.