Expertise.com
2024

Last updated:

Best Mortgage Brokers in Folsom

Our Recommended Top 15

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 Folsom Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

33

Reviewed

25

Curated

15

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1180 Iron Point Road, Suite 200, Folsom, CA 95630

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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
Zillow
5.0 / 5 (135)
Google
5.0 / 5 (50)
Facebook
5.0 / 5 (33)

(+1 additional source)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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
Zillow
5.0 / 5 (67)
Yelp
5.0 / 5 (13)
Google
5.0 / 5 (11)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2281 Lava Ridge Court, Roseville, CA 95661
  • Refinance

Why choose this provider?

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 (14)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
5.0
Google
5.0 / 5 (44)
Facebook
5.0 / 5 (41)
Yelp
5.0 / 5 (19)

(+1 additional source)

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

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

Why choose this provider?

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.
4.5
Google
4.5 / 5 (26)

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

Why choose this provider?

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.
5.0
Google
5.0 / 5 (113)
Zillow
5.0 / 5 (23)

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

Website
2251 Douglas Blvd., Roseville, CA 95661
  • Refinance

Why choose this provider?

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 (118)
Google
5.0 / 5 (29)
Facebook
5.0 / 5 (3)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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)

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

Why choose this provider?

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
Google
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

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

Why choose this provider?

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 (26)
Yelp
5.0 / 5 (20)
Facebook
5.0 / 5 (11)

(+1 additional source)

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

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

Why choose this provider?

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.
5.0
Google
5.0 / 5 (161)
Yelp
5.0 / 5 (68)
Zillow
5.0 / 5 (25)

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

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

Why choose this provider?

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

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

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

Why choose this provider?

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 (27)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (5)

(+1 additional source)

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

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

Why choose this provider?

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
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.