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.
Banks
Credit Unions
On-demand and real-time pre-approval
Always
Occasionally
Occasionally
No application and processing fees
Always
Never
Never
Best Rates across multiple lenders
Always
Rarely
Sometimes
Out-of-box solutions for every borrower
Always
Sometimes
Rarely
Personalized guidance and support
Always
Occasionally
Occasionally
Real-time loan status updates
Always
Sometimes
Rarely
Close home loans fast
Always
Sometimes
Rarely
On-demand pre-approval
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
No application and processing fees
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Best Rates across multiple lenders
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Out-of-box solutions for every borrower
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Personalized guidance and support
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Real-time loan status updates
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Close home loans fast
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Your Journey Towards
Homeownership
1
Get your payment
The first step toward your homeownership dream can start with a base-level understanding of what your housing payment and affordability may look like.
Check Payment 2
GET YOUR FREE CUSTOM RATE
Get your personalized rate and closing fee options. We want you to secure the best possible terms for yourself.
Free Custom Rate Quote 3
Get your pre-qualification
Fill out your secure application anywhere, anytime. It only takes 15 minutes or less to get your pre-qualification results on our digital platform. We offer pre-approval letters within hours after we receive ALL required documentation.
Apply Now 4
Get funded and home keys
Our solid pre-approval process empowers you to make a strong offer on the home of your dreams. Once you get into contract, our team of experts guides you through the loan process step-by-step all the way to the finish line.
We are passionate about getting your home funded quickly and on time.
Contact Us Today’s Mortgage Rates
Purchase
Refinance
Loan Amount To $806,500
15 YR FIXED
4.750% RATE
4.844% APR
30 YR FIXED
5.500% RATE
5.598% APR
Loan Amount To $1,209,750
15 YR FIXED
5.375% RATE
5.429% APR
30 YR FIXED
5.750% RATE
5.805% APR
California Locations We Serve
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Mortgage Rates in California Locations
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- Mortgage & Loan Info
- Mortgage California
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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
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City Wise Mortgage Calculators
- All Projects
- Mortgage & Loan Info
- Mortgage California
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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
Based on 130 reviews
powered by Google
Scott Wise and his team at Reliance Financial, Dublin, CA, achieved a smooth, 9-day close for the purchase of a SFR on 6/13/2023. His professionalism and customer care are exemplary and his encyclopedic knowledge of the lending process [a DSCR loan, in this case] was key to this transaction’s success. Mr. Wise is a “doer” and represents the best in the lending and real estate industries. INCLUDE him in YOUR team. RECOMMENDED! – SW
Last year I purchased a home and Reliance Financial Mortgage was instrumental in helping me through the process. Lucky Sandhu, and the team at Reliance Financial Mortgage made it easy and stress-free. They were always available to answer my questions and they were patient and understanding as I navigated the process.
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!
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!
When it comes to our mortgage lending needs there is no other place we will go to other than Reliance Financial. As first-time homebuyers, we needed a lot of guidance and an honest approach to addressing our questions and needs. Lucky and his team did an excellent job on making sure we felt comfortable and relaxed from start-to-finish. I recommend Lucky and his team to all homebuyers, especially first-time homebuyers! This is a team you can trust and count-upon.
As a real estate agent, I have trusted Lucky and his team for several transactions including my own home purchase and refinance. The entire Reliance Financial team works like a family to help guide my customers with the best loan options for them including helping answer their questions on qualification. Several of my customers are self-employed and they require additional hand holding. Lucky and his team are always there to guide them properly and patiently and ensure the best outcomes for my homebuyers. When it comes to mortgage lending, I deeply trust Lucky and Team Reliance Financial to take of my customers.
Well let me start by saying that buying a home was one of the most stressful things I’ve ever done lol. However Scott Wise from Reliance Financial did as much as humanly possible to alleviate it! We were approved by 2 other lenders first, and both of these lenders didn’t do their due diligence and would have cost us some serious money had we gone with them. But Scott from day 1 was thorough and transparent. He would break things down visually and explain things. He would search for the best options for us and ultimately delivered on EVERYTHING he said he would! He was very patient with me and answered all questions or concerns as soon as any came up. I can’t recommend him enough!! Go with someone you can trust. If you don’t believe me go ahead and get some numbers from others and then bring them to Scott and watch him beat them substantially!
Reliance Financial exceeded our expectations as first time home buyers! Scott Wise worked deliberately to help us find the perfect mortgage loan for me and my family. He found us the best rate and was transparent since our initial conversation. He was so knowledgeable of the options that we had and showed us numbers with no hesitation. His ability to break it down and explain the different loans, rates etc. provided us with peace of mind. We knew we had made the best decision as he and the team guided us through the process. We will for sure be using them for any future need and highly recommend you do so as well!
Lucky and the team at Reliance Financial have absolutely mastered the entire mortgage process from start to finish, making it beyond easy to obtain a mortgage. They provide blazing speed with loan approvals within hours and reach clear to close consistently in two weeks. It’s because of their focus on the client experience that makes every client feel special and comfortable working with them. I cannot say enough good things about Reliance Financial!
Excellent experience and amazing customer service
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 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!
RelFin team were amazing to work with! The process as a first time homebuyer can be difficult to navigate but Lucky, Katrina and team did an great job in making the process transparent and easy to understand! All the while being quick to respond and going the extra mile! They provided unbeatable rates and were patient in helping me come to a decision I was comfortable with. I am very happy that I got a chance to work with RelFin and would definitely recommend them!
Excellent service by Reliance Financial
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!!
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!!
I have worked with Lucky Sandhu on several real estate deals, both personal and investment (in State and out of State) over several years. He has always been very professional, knowledgeable and just a good person to work with. He takes the time to educate you and answers all your questions. My main take away from dealing with Lucky is, he does not over promise and under deliver. We have always had a candid honest discussion on various topics around real estate. He has been a great partner in helping us build our real estate portfolio. Thinking back, we could not have purchased our first home without Lucky’s personal help and guidance.
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.
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.
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