Expertise.com
2024

Last updated:

Best Mortgage Brokers in Sacramento

Our Recommended Top 18

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

130

Reviewed

85

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5800 Lonetree Blvd. Suite 101, Rocklin, CA 95765
  • Refinance

Why choose this provider?

Brizzi Financial is a mortgage brokerage that has been serving families and individuals in Sacramento, Roseville, and the surrounding areas. It assists homebuyers with loan products from various entities designed to meet their needs and goals. It is experienced in a variety of programs, including conventional, FHA, VA, fixed-rate, and adjustable-rate loans. The company also provides refinancing services designed to replace existing mortgages with a new loan and lower monthly payments or interest rates. Brizzi Financial is owned by broker Ethan Brizzi.

License Verified:

License: 01902974

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 (22)
Google
5.0 / 5 (18)
Facebook
5.0 / 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
Friendliness
Helpfulness
Detail

Website
3000 Lava Ridge Court Suite 220, Roseville, CA 95661
  • Refinance
  • Purchase Transactions

Why choose this provider?

Dennis Bergstrom is a 17 year home loan veteran and refinance officer that works for Big Valley Mortgage, serving incoming and seasoned residents of Sacramento. Early in his life, he moved over ten times to different households. He uses this experience to help homeowners understand the importance and benefits of different loan programs like interest-only rates, fixed-rate plans, and jumbo loans. Dennis also guides his clients in their application for loans, examining their credit score and income information to see if they qualify.

License Verified:

License: 214868

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 (26)
Facebook
5.0 / 5 (15)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4949 Windplay Drive, El Dorado Hills, CA 95762
  • Refinance

Why choose this provider?

As the oldest mortgage brokerage in California, Western Heritage Financial specializes in both home purchases and refinances since 1980. Western Heritage Financial takes pride in its excellent reputation and association with many outstanding and reputable organizations but values the customer first and foremost. As a pioneer in the mortgage industry and with over 6 decades of home loan experience, President Jerry Anderson has forged every market change. Mr. Anderson has a vast knowledge of all aspects of lending and requires excellent service and transparency to all customers. Customers for life has been a proven fact over the years. With creative Loan Officers, they are able to work past qualifying issues to ensure that if there is a way to get your loan closed, they will find it. They never give up on their clients.

License Verified:

License: 250823

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 (12)
Zillow
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2260 Del Paso Road, Sacramento, CA 95834
  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

Why choose this provider?

Golden Bay Mortgage Group is a company based in Sacramento that addresses the real estate financing needs of residents in the area. Its brokers are experienced in assisting individuals through the loan application and approval process. These mortgage professionals educate clients on various home purchase loan programs, such as jumbo loans, conforming loans, fixed-rate mortgages, and adjustable rates mortgages. They also help clients with home refinancing by comparing mortgage terms. Additionally, Golden Bay Mortgage Group's other loan options include FHA, VA, HARP, and USDA loans.

License Verified:

License: 1403489

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 (40)
Yelp
5.0 / 5 (37)

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
100 Howe Avenue, Sacramento, CA 95825
  • Refinance

Why choose this provider?

Ken McKee is a licensed mortgage advisor representing Canopy Mortgage in the Sacramento metro. He has been in the real estate finance industry for more than 17 years and is committed to sourcing loan and mortgage options based on the client's budget and needs. Some of the loan programs he offers include conventional loans, jumbo loans, USDA loans, FHA loans, and downpayment assistance. Ken and his team have been named one of the Top 1% of the Mortgage Originators in America in 2020.

License Verified:

License: 305447

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 (84)

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
2200 Sunrise Boulevard, Gold River, CA 95670
  • Reverse Mortgages

Why choose this provider?

Mortgage Consultants Group helps the residents of Sacramento access suitable financial solutions. The mortgage broker offers a variety of loan options, including reverse mortgages, FHA and cash-out refinance loans, jumbo home loans, state housing programs, and conventional purchase mortgages. Clients receive assistance in navigating the mortgage process and completing loan applications. Mortgage Consultants Group has an online calculator, refinance advisor, and purchase assistant. Lee Hurst, its branch manager, carries over two decades of experience matching borrowers to appropriate loan packages.

License Verified:

License: 226791

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 (8)

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
970 Executive Way, Sacramento, CA 96002
  • New Construction

Why choose this provider?

Chris Lamm is the vice president of mortgage banking at Change Home Mortgage, which serves clients in Sacramento. His team offers various loan programs for homebuyers, homeowners, and real estate investors that include conventional mortgage, FHA, VA, and USDA loans. They also handle home loan refinancing and reverse mortgages. Lamm has more than 15 years of experience in the mortgage industry, working with brokers, financial planners, land developers, and attorneys. He is also familiar with credit reports.

License Verified:

License: 209221

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
Facebook
5.0 / 5 (47)
Yelp
4.0 / 5 (29)

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
401 Watt Avenue, Sacramento, CA 95864
  • Refinance

Why choose this provider?

California Capital Mortgage Company provides financing assistance from its Sacramento location. The family-owned business helps home buyers and builders select from various loan types, from USDA, VA, and FHA to conventional loans. Furthermore, it provides assistance for homeowners looking into refinancing. The mortgage firm, which is also licensed in Colorado, Montana, and Wyoming, was founded in 2008 by Gary Prudler, who specializes in working with complex borrowers and first-time homebuyers. He has more than 15 years of industry experience.

License Verified:

License: 294561

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 (11)
Google
5.0 / 5 (1)

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
2100 Northrop Avenue, Sacramento, CA 95825
  • New Construction
  • Refinance
  • Purchase Transactions

Why choose this provider?

The Chris Kennedy Team is a mortgage brokerage under Reliant Lending that serves Sacramento. It offers several products, including conventional, FHA and VA, construction, and renovation loans. Refinancing options are also available for clients looking to lower their monthly payments or use their home's equity to better manage their debt. Senior loan officer Chris Kennedy has been in the mortgage industry for more than 21 years. He has also four years of experience as a damage control fireman aboard the USS Kitty Hawk.

License Verified:

License: 356310

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
5.0 / 5 (24)
Facebook
4.0 / 5 (18)
Yelp
5.0 / 5 (7)

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
3673 J Street, Sacramento, CA 95816
  • Refinance
  • Purchase Transactions

Why choose this provider?

Kappel Mortgage Group Incorporated is a team of mortgage professionals based in Sacramento. The company offers a selection of loan programs, including VA, conventional, and jumbo loans. Its specialists carry Location Efficiency Mortgage (LEM) options, which provide higher funding for individuals looking to purchase homes in areas that have efficient public transportation systems. They also guide clients on local housing programs. Danielle Carson, its Sacramento business manager, has been a resident for 20 years and has focused on client relations for 15 years.

License Verified:

License: 293531

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
Facebook
5.0 / 5 (15)
Yelp
4.0 / 5 (15)
Google
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

Website
5701 Lonetree Boulevard, Rocklin, CA 95765
  • New Construction
  • Refinance

Why choose this provider?

Solcosta Home Loans is a mortgage brokerage that serves clients in Sacramento and the surrounding areas. Its staff members help clients in selecting the loan programs for their home purchasing needs. These include conventional, jumbo, FHA, and VA loan programs. It also provides refinancing services to help clients receive cash from their home equity and lower down their monthly interest rates. Solcosta Home Loans is owned by Dan Patty, a mortgage broker who specializes in loan guidelines.

License Verified:

License: 1266702

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 (149)
Yelp
5.0 / 5 (24)

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
2130 East Bidwell Street, Folsom, CA 95630
  • Refinance

Why choose this provider?

Iron Point Mortgage is a mortgage firm that serves first-time, second-time, and experienced homeowners and homebuyers in Sacramento. It is affiliated with Finance of America, a mortgage banker that offers both standard and customized loan plans. The company can compare and estimate the expenses of various programs like conventional loans, VA, FHA, and jumbo loans. Furthermore, it can give clients seasonal housing market and mortgage reports. Iron Point Mortgage has multiple online resources, such as a checklist of pre-approval requirements.

License Verified:

License: 220254

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 (19)
Yelp
5.0 / 5 (18)
Facebook
5.0 / 5 (5)

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
1111 Howe Avenue, Sacramento, CA 95825
  • New Construction
  • Refinance

Why choose this provider?

New Way Mortgage is a real estate financing company that serves the Sacramento area. The firm assists individuals and families in finding the right home loan that can serve their homeownership and purchasing goals. Fixed-rate, FHA, VA, Jumbo, and USDA loans are among the residential loans that its mortgage advisors specialize in. The group also offers traditional and cash-out mortgages to those wish to lower their current payments and reduce their loan terms. The company started serving customers in 2020.

License Verified:

License: 1939382

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 (41)
Yelp
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

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 Drive, Folsom, CA 95630
  • Refinance

Why choose this provider?

Masters Team Mortgage is home to mortgage professionals with more than 100 years of combined lending experience. Serving Sacramento and nearby communities, the company offers a variety of programs such as FHA and VA home loans, home refinances, home equity loans and lines of credit, and fixed and adjustable rates mortgages. Other areas of specialization include commercial, construction, jumbo, and bridge loans. Masters Team Mortgage utilizes technology where its clients can process and complete their mortgage transactions through its website.

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.
4.4
Google
4.0 / 5 (138)
Yelp
5.0 / 5 (58)
Facebook
5.0 / 5 (31)

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
187 Blue Ravine Road, Folsom, CA 95630
  • Refinance

Why choose this provider?

CARE Finance Group is a mortgage solutions provider serving clients in Sacramento and nearby communities. The locally owned firm helps customers in finding the right home loan for their mortgage needs. Its mortgage brokers apply an education-first approach to assess the needs of their clients and help them compare loan options among multiple lenders. The team provides an array of home loan products, such as fixed-rate, adjustable-rate, FHA, VA, USDA, and jumbo programs. The company's lead loan officer carries over 17 years of experience.

License Verified:

License: 2060566

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.
4.7
Google
5.0 / 5 (17)
Yelp
4.0 / 5 (11)
Facebook
5.0 / 5 (8)

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
1010 Hurley Way, Sacramento, CA 95825
  • Refinance
  • Commercial Loans
  • Multi-Family Loans

Why choose this provider?

PMG Home Loans is a company that provides purchase, refinancing, and mortgage assistance to clients in and near the Sacramento area. With over 20 years of industry experience, it has already underwritten 1,500 plus home loans with an average of 13 days loan closing time. It offers loan options for clients like conventional, FHA, VA, USDA, jumbo, and reverse mortgage. Meanwhile, PMG is a company that provides opportunities and benefits to its staff, having team-building events for its members and medical benefits packages for full-timers.

License Verified:

License: 572121

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.
4.0
Google
4.0 / 5 (34)

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
3626 Fair Oaks Boulevard, Sacramento, CA 95864
  • Refinance

Why choose this provider?

City Center Financial is a mortgage brokerage firm that serves Sacramento and the surrounding areas. The company offers loan programs that help first-time homebuyers or people moving up to a new home. Its list of services includes FHA 203k, conventional, FHA and VA, and jumbo loans. City Center Financial also offers refinancing programs to help clients get better interest rates or get some cash out of their home's equity. Additionally, the company's website has an online purchase assistant that narrows down loan options based on clients' needs.

License Verified:

License: 312494

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 (9)

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
1231 I Street, Sacramento, CA 95814
  • Refinance

Why choose this provider?

Eric Teply Mortgage Advisor provides its services to Sacramento and the surrounding areas. Eric Teply assists clients who want to find a loan program or refinance their current mortgage. He also provides mortgage advice to help his clients choose the right loans, which include FHA, conventional, reverse, and VA loans. With over a decade of experience in the industry, Eric works with lenders, Realtors, wholesale lender representatives, and homebuyers. He has received praises from previous clients for providing professional assistance throughout the mortgage process.

License Verified:

License: 264561

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 (47)
Yelp
5.0 / 5 (31)

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.