The most competitive mortgage rates
Get the home loan that best meets your needs and the personalized five-star service that powers you to reach your homeownership goals.
No personal information required. No impact on your Credit Score. No documents required.
Over 500+ Reviews
Why our customers love to work with us

“I cannot say enough good things about this company. We have left this team feeling like family.”
KASSANDRA T.
- First-time Homebuyer
- Larkspur, CA

“If you are a first-time buyer, I can say you will have comfort knowing you will have an amazing team walking alongside you throughout the process.”
CRISTIAN C.
- First-time Homebuyer
- Modesto, CA

“Everything was just so effortless with 100% transparency. You will never get better rates from anyone else”
ARUN K.
- Homeowner
- Livermore, CA

“We had a ton of questions and needed a lot of guidance. Lucky and the team answered all of our questions and held our hand the whole way!”
GURJOT S.
- First-Time Homebuyer
- Fremont, CA

See what sets us apart
We are committed to simplifying your home buying or refinancing experience.
Your Journey Towards
Homeownership
Feel confident about making big financial decisions with the help of transparent services and personalized guidance.
1
Get your payment
2
GET YOUR FREE CUSTOM RATE
3
Get your pre-qualification
4
Get funded and home keys
Today’s Mortgage Rates
Loan Amount To $806,500
15 YR FIXED
4.750% RATE
4.844% APR
30 YR FIXED
5.625% RATE
5.724% APR
Loan Amount To $1,209,750
15 YR FIXED
5.375% RATE
5.429% APR
30 YR FIXED
5.875% RATE
5.930% APR
Loan Amount To $806,500
15 YR FIXED
4.750% RATE
4.844%
APR
30 YR FIXED
5.625% RATE
5.724% APR
Loan Amount To $1,209,750
15 YR FIXED
5.375% RATE
5.422% APR
30 YR FIXED
5.875% RATE
5.923% APR
California Locations We Serve
- All Projects
- Mortgage & Loan Info
- Mortgage California
- Mortgage Colorado
- Mortgage Florida
- Mortgage Michigan
- Mortgage Texas
- Mortgage Virginia
- Mortgage Washington
Mortgage Rates in California Locations
- All Projects
- Mortgage & Loan Info
- Mortgage California
- Mortgage Colorado
- Mortgage Florida
- Mortgage Michigan
- Mortgage Texas
- Mortgage Virginia
- Mortgage Washington
Texas Locations We Serve
- All Projects
- Mortgage & Loan Info
- Mortgage California
- Mortgage Colorado
- Mortgage Florida
- Mortgage Michigan
- Mortgage Texas
- Mortgage Virginia
- Mortgage Washington
Florida Locations We Serve
- All Projects
- Mortgage & Loan Info
- Mortgage California
- Mortgage Colorado
- Mortgage Florida
- Mortgage Michigan
- Mortgage Texas
- Mortgage Virginia
- Mortgage Washington
Colorado Locations We Serve
- All Projects
- Mortgage & Loan Info
- Mortgage California
- Mortgage Colorado
- Mortgage Florida
- Mortgage Michigan
- Mortgage Texas
- Mortgage Virginia
- Mortgage Washington
City Wise Mortgage Calculators
- All Projects
- Mortgage & Loan Info
- Mortgage California
- Mortgage Colorado
- Mortgage Florida
- Mortgage Michigan
- Mortgage Texas
- Mortgage Virginia
- Mortgage Washington

POWERING SOCIAL IMPACT
Team Reliance Financial cares about the communities around us #RFCares
At Reliance Financial, our team cares about giving back to our communities and supporting causes that are key to continuous growth and development locally and globally.
Get the home loan that best meets your needs
Start your homeownership journey here.
No personal information required.
No impact on your Credit Score.
No documents required.

California Locations We Serve
Mortgage Rates in California Locations
Texas Locations We Serve
Mortgage Rates in Texas Locations
Florida Locations We Serve
Mortgage Rates in Florida Locations
Colorado Locations We Serve
Mortgage Rates in Colorado Locations
City Wise Mortgage Calculators
Our Google Reviews
I was particularly impressed with the level of communication from the team at Reliance Financial Mortgage. They kept me updated on my loan status every step of the way and they were always available to answer my questions.I would highly recommend Reliance Financial Mortgage to anyone who is looking to buy a home. They are a great team of professionals who will make the home buying process as easy and stress-free as possible.
I would not hesitate to use Reliance Financial Mortgage again if I ever need to buy a home in the future. Thanks Lucky and team for all your support and help!
We worked with Lucky Sandhu on an investment real estate deal. He is very knowledgeable, transparent and a pleasure to work with. He takes the time to educate and answers any and all your questions. He helped us find the best rates and made sure that he personally guided us through the process.
He also has an excellent and very responsive team. They were always on top of all the items and made sure that the appraisal and closing happened before time, even though we had a very tight deadline! Any time we had questions, we got a response immediately from them.
They will be our go to partners going forward. Highly recommend Lucky and his team!
We had an amazing experience working with Lucky and his team at Reliance Financial for our mortgage loan on our new home! Being first time home buyers in the US, we had a lot of questions and concerns, Lucky explained us all the steps in detail and helped us make an informed decision, that made us close our deal on time. They are very good both with emails and are always available to work on our requests. It wouldn’t have been a smooth sail with our new place if it was not for Lucky and his fantastic team. Thank you Reliance Financial. Highly recommend this team to anyone currently browsing for mortgage financing!!
He is a CPA, who has graduated from one of the best universities in the world with an extensive network in the Bay Area. He thinks like a business man and is genuine, humble and overall very passionate and knowledge about the real estate field. Highly recommended.
We’re here for you near and far
We are currently servicing:
CA
TX
CO
MI
WA
VA
FL
We are currently servicing:
California
CA
Texas
TX
Colorado
CO
Michigan
MI
Washington
WA
Virginia
VA
Florida
FL
Google Reviews
EXCELLENT Based on 155 reviews Angelica Rangel2025-08-12Trustindex verifies that the original source of the review is Google. Peter is the best! He always made sure we were taken care of and did his best to avoid worrying us when challenges arose. He was kind, professional and easy to work with! Highly recommend. Chris2025-05-29Trustindex verifies that the original source of the review is Google. Scot and his team were absolutely exceptional. I have dealt with several loan companies over the years and Scot and his team were by far the most professional and efficient of any of them. They made the whole experience stress free. Which typically is not what happens when you are getting a home loan. This one was a bit complicated but you wouldn’t have known that with the way Scot and his team handled the whole process. I will for sure be using Scot for any future home loans or refinance and will feel very confident referring Him and his team to any family or friends. Sachin Gupta2025-05-21Trustindex verifies that the original source of the review is Google. Trust, Speed and Customer Focus I have been working with this team for 8 yrs and these 3 things never changed: - Trust: I know that I am always going to get the best option. Early on, when I started working with them, I used to shop around, but over the years, I don't even compare anymore. I just go straight to Scott. - Speed: Getting keys to the house as fast as possible is their focus. I am never worried about meeting a seller's timeline, because I know this team will figure it out on how to close. - Customer Focus: I am sure they are working with multiple clients at the same time, but I never get that feeling. I always feel they are just working with me to help me meet my goals. Dasdeep Johal2025-05-02Trustindex verifies that the original source of the review is Google. Thanks to reliance financial I can say that I successfully closed on my first ever home. The communication was excellent from both Scott and Navdeep, and as a result, they were able to handle a quick close. Scott was able to beat out the nearest rate offered to me by 0.25%. Navdeep was able to quickly address any issues that came up during closing. Lucky told me during our initial call that his team would provide the best rate and be able to handle my closing timeline. They delivered on all their promises to me and I highly recommend them to any homebuyer looking for great rates along with exceptional customer service. Navdeep Singh2025-05-02Trustindex verifies that the original source of the review is Google. My experience was great and I would recommend this company 110% Abhishek Mishra2025-04-29Trustindex verifies that the original source of the review is Google. Awesome service. The Reliance Financial team was fast and handled my case very well. The best thing is that they now track the rates and alert me when they are lower for a refinance. Best service out there. Ankur Jain2025-04-20Trustindex verifies that the original source of the review is Google. I refinanced a mortgage for a bay area home through Reliance Financial. I have refinanced mortgages about 8-10 times in my life but this was the fastest process I have been through. The team was super responsive and helpful, and made it easy for me. Rates and terms were very competitive. Great experience, and I would highly recommend them to others! Jacque Knight2025-02-25Trustindex verifies that the original source of the review is Google. Grant Palmer was knowledgeable, patient, available & extremely professional. And showed genuine concern for my family's needs Jeremy Smith2025-01-30Trustindex verifies that the original source of the review is Google. I had a great experience working with Scott. From a real estate agents perspective, communication and transparency are critical traits for a lender and Scott shined in both. The deal closed on time with no huge "surprises" and the buyer was extremely happy with the product and level of service they received from Scott. Would highly recommend Scott for your lending needs here in Texas and any other state they operate in.