Best Mortgage Brokers in Folsom

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Amy Debusk logo
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License Verified:

License: 281056

Nationwide Multistate Licensing System and Registry

Amy Debusk

2281 Lava Ridge Court, Roseville, CA 95661
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  • Refinance

Business Description

Amy Debusk is a senior mortgage advisor at Finance of America Mortgage serving customers in Folsom and the surrounding locations. Debusk has over 20 years of financing experience. Together with her team, she provides home loan options to help clients achieve their goal of owning a home. The team offers reverse mortgages for senior homeowners, transforming the equity in their property into cash. Loan products are also available for clients looking to purchase a new home, refinance a home loan, and remodel an existing home.

License Verified:

License: 281056

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (21)
Yelp
4.5 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
Answer Home Loans Inc. logo
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License Verified:

License: 1729528

Nationwide Multistate Licensing System and Registry

Answer Home Loans Inc.

6085 Douglas Blvd., Granite Bay, CA 95746
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  • Refinance

Business Description

Answer Home Loans Inc. is a brokerage firm that caters to clients in the greater Folsom area. The company provides loan and brokerage services to help individuals find the right mortgage program to suit their needs. It offers a selection of mortgage options, including FHA, VA, USDA, and jumbo loans. The firm is certified by the Nationwide Mortgage Licensing System. Owner and operator, Daniel Maybaum, has been in the mortgage industry for over 15 years.

License Verified:

License: 1729528

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (26)
Blue Waters Mortgage & Real Estate Group logo
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License Verified:

License: 884473

Nationwide Multistate Licensing System and Registry

Blue Waters Mortgage & Real Estate Group

850 Iron Point Road #122, Folsom, CA 95630
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  • Refinance

Business Description

Blue Waters Mortgage & Real Estate Group caters to the housing needs of individuals in Folsom. The company offers various loans for clients who are looking to purchase their dream homes. In addition, it has a real estate division that provides a list of local residential properties. The firm also helps its clients who are looking to put their houses on the market. One of its owners, Lisa P. Ferro, has been in the mortgage industry for more than 20 years.

License Verified:

License: 884473

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (17)
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
Brian Beland logo
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License: 450649

Nationwide Multistate Licensing System and Registry

Brian Beland

2222 Francisco Drive, Suite 520, El Dorado Hills, CA 95762
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  • Refinance
  • New Construction

Business Description

Brian Beland serves as the senior mortgage lending vice president at the American Mortgage Network. Brian helps individuals and families in Folsom who wish to apply for mortgage loan programs suitable for their home purchasing needs and financial goals. He also aims to resolve clients' mortgage needs while protecting the environment or trees by only using papers until the final loan document signing. Bringing 17 years of mortgage experience, Brian has served over 3,500 home buyers and owners.

License Verified:

License: 450649

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (49)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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––
CARE Finance Group logo
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License Verified:

License: 1288748

Nationwide Multistate Licensing System and Registry

CARE Finance Group

187 Blue Ravine Rd Ste 130, Folsom, CA 95630
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  • Refinance

Business Description

CARE Finance Group caters to clients in Folsom who need mortgage brokers. The team has options that include fixed mortgages with 15- to 30-year terms and government-backed choices aimed at clients in the agricultural and military sectors. Existing debts are refinanced to take advantage of subsequent and more favorable terms. It has online calculators to provide initial information before personal consultation. Loan officer Lindsay Sills has been in the home finance industry for over 17 years.

License Verified:

License: 1288748

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (45)
Facebook
5.0 / 5 (37)
Yelp
4.5 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Catalyst Mortgage logo
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License Verified:

License: 236492

Nationwide Multistate Licensing System and Registry

Catalyst Mortgage

3013 Douglas Blvd. Ste 135, Roseville, CA 95661
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  • Commercial Loans

Business Description

Catalyst Mortgage offers borrowers in Folsom a range of financial solutions. It offers FHA, VA, first-time homebuyer, and fixed and adjustable-rate loans. Its team also assists homeowners who want to streamline their loans or get cash from equity through refinancing. Brandon Haefele, the company's owner, founded the company in 2005 and joined the California Mortgage Bankers Association in 2015. Haefele has been interviewed numerous times for his perspective on mortgage news by Fox 40, ABC 10, and KCRA 3.

License Verified:

License: 236492

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.2 / 5 (85)
Facebook
4.7 / 5 (73)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Frankie Churchill logo
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License Verified:

License: 225907

Nationwide Multistate Licensing System and Registry

Frankie Churchill

1180 Iron Point Road, Suite 200, Folsom, CA 95630
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  • Alternative Income Documentation Loans

Business Description

Frankie Churchill is a mortgage originator at Sierra Pacific Mortgage that serves homeowners, real estate agents, and property developers in Folsom and nearby areas. He helps clients remodel their older homes or buy their first property by matching their long- and short-term financial needs with a variety of residential lending products, such as conventional loans, jumbo, USDA, VA, and adjustable- and fixed-rate mortgages. Churchill also handles state bond and government-issued loan programs. Sierra Pacific Mortgage has been in operation for more than 30 years.

License Verified:

License: 225907

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Home Buyers Assistance logo
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License Verified:

License: 304050

Nationwide Multistate Licensing System and Registry

Home Buyers Assistance

2200 Sunrise Blvd, Suite 168, Gold River, CA 95670
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  • Refinance
  • New Construction

Business Description

Home Buyers Assistance serves customers in Folsom and the surrounding areas. It is the educational branch of the Mortgage Consultants Group. It was founded to help renters achieve their dream of homeownership. Its mortgage products include FHA, VA, conventional, and jumbo loans. It also offers home renovation loan options, such as the FHA 203(k) and Fannie Mae HomeStyle program. Jim Langdon, a mortgage consultant from Home Buyers Assistance, has over 25 years of experience in the home loan consulting business.

License Verified:

License: 304050

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (16)
Iron Point Mortgage logo
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License Verified:

License: 1833414

Nationwide Multistate Licensing System and Registry

Iron Point Mortgage

2130 E. Bidwell Street #110, Folsom, CA 95630
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  • Refinance
  • New Construction

Business Description

Iron Point Mortgage caters to clients across the Folsom community and the surrounding areas. It carries various mortgage loan products to help clients find options suitable for their financial objectives, lifestyle goals, and family needs. These loan programs include FHA, USDA, jumbo, and adjustable and fixed conventional. It also guides clients in choosing condos approved by the FHA or VA. The company's CEO and broker, Kevin Fritz, has over 25 years of experience in the mortgage, investment, and financial industries.

License Verified:

License: 1833414

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JJ Mack Team logo
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License Verified:

License: 1299922

Nationwide Multistate Licensing System and Registry

JJ Mack Team

2220 Douglas Blvd, Ste 220, Roseville, CA 95661
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  • Refinance

Business Description

JJ Mack Team is a small local company under American Pacific Mortgage, serving clients in Folsom and nearby areas. It offers different loan options for clients ready to purchase properties or refinance existing homes, including jumbo, FHA, VA, and USDA. It provides fixed-rate, adjustable-rate, and interest-only mortgages. Seniors aged 62 and over may opt for the reverse mortgage program. JJ Mack Team is headed by branch manager JJ, who has over 17 years of industry experience.

License Verified:

License: 1299922

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (129)
Facebook
5.0 / 5 (90)
Google
5.0 / 5 (85)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Loan City Home Loans logo
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License Verified:

License: 939570

Nationwide Multistate Licensing System and Registry

Loan City Home Loans

2251 Douglas Blvd., Roseville, CA 95661
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  • Refinance

Business Description

Loan City Home Loans is a mortgage broker that provides services in Folsom and surrounding communities. Offering multiple mortgage products, it assists clients to address their residential purchase and refinancing loan needs. Its loan programs include financing for fixed-rate and adjustable-rate mortgages as well as FHA, VA, and jumbo loans. Under its refinancing programs, it offers HARP 2.0 which is designed to help borrowers who may be ineligible for traditional refinancing on their current mortgages.

License Verified:

License: 939570

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (112)
Google
5.0 / 5 (28)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Masters Team Mortgage logo
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License Verified:

License: 265226

Nationwide Multistate Licensing System and Registry

Masters Team Mortgage

785 Orchard Dr Suite 250, Folsom, CA 95630
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  • Refinance

Business Description

Masters Team Mortgage provides services throughout Folsom and the surrounding cities. It helps individuals apply for mortgage loan programs with low-interest rates to guide clients in achieving their home purchasing needs. It offers various mortgage options, including USDA, FHA, and VA loans. The company is available for jumbo programs for individuals wanting to purchase properties outside the maximum conventional conforming loan. Masters Team Mortgage also serves individuals in refinancing their loans to reduce their monthly payments and interests.

License Verified:

License: 265226

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (75)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mortgage Evolution logo
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License Verified:

License: 1470804

Nationwide Multistate Licensing System and Registry

Mortgage Evolution

3017 Douglas Blvd., Suite 240, Roseville, CA 95661
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  • Refinance

Business Description

Mortgage Evolution is a direct lender of home and refinancing loans serving as a branch of Finance of America Mortgage, LLC. Its staff helps with a variety of loan programs for Folsom borrowers, such as investor/commercial, secondary financing, non-qualified mortgage, first-time homebuyer, and conforming loans. The company also offers reverse mortgages for residential property owners aged 62 and above. The business name, Mortgage Evolution, represents the consciousness of life's evolution and the need for change. It operates in various states, including Washington, Oregon, Colorado, and California.

License Verified:

License: 1470804

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)
Mortgage Garage logo
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License Verified:

License: 245012

Nationwide Multistate Licensing System and Registry

Mortgage Garage

80 Blue Ravine Rd. Suite 110, Folsom, CA 95630
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  • Refinance

Business Description

Mortgage Garage addresses the customers' needs in Folsom. Its owner, Michael Kane, is a senior loan officer who caters to clients looking to refinance to obtain cash out of their property or who need a mortgage to buy their first home. He keeps clients informed of the process through open communication and follow-up and closes the loan on time. Kane also works with second home buyers, seniors seeking reverse mortgages, and those purchasing real estate for investment purposes.

License Verified:

License: 245012

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (26)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Reliance Home Loans logo
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License Verified:

License: 243997

Nationwide Multistate Licensing System and Registry

Reliance Home Loans

950 Glenn Drive, Suite 265, Folsom, CA 95630
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  • Refinance
  • New Construction

Business Description

Reliance Home Loans serves clients in Folsom and nearby areas. It helps individuals and families searching for a financing program to fulfill their dream of homeownership. Its lending professionals work closely with borrowers to look for a financing program that suits their needs and aids them in overcoming challenges that may come up while completing a loan application. They assist clients seeking approval for HomePath, jumbo, conventional, FHA, VA, and USDA loans, as well as those who want to apply for a refinance mortgage.

License Verified:

License: 243997

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.9 / 5 (104)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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