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Best Mortgage Companies in Sacramento

Best Mortgage Companies in Sacramento

Best Mortgage Companies in Sacramento – Sacramento is known for its picturesque riverside setting, its pleasant Mediterranean climate, and its friendly Midwestern vibe. If you’re looking for a welcoming community and a high quality of life, Sacramento is the perfect place to put down roots. The best mortgage companies in Sacramento will help you find and finance your dream home.

But what makes Sacramento really special is its strong sense of community. In a city of nearly 500,000 people, it’s easy to find your niche. Whether you’re into hiking, biking, or kayaking, you’ll find plenty of like-minded folks to join you on your next adventure

Perks of Moving to Sacramento

Moving to Sacramento can be a great experience for those looking for a new place to call home. The capital city of California offers a variety of activities and attractions that make it an ideal location for families and individuals alike.

The city has a rich history, vibrant culture, and diverse economy. Sacramento also has plenty of parks, trails, and open spaces for residents to enjoy. Or if you prefer to spend your free time exploring the city’s vibrant food scene or cheering on the local basketball team, you’ll never be at a loss for things to do in Sacramento. With a cost of living that’s below the national average, Sacramento is an ideal and affordable place to call home.

Not only is there plenty to do in Sacramento, but the year-round perfect weather also allows you to enjoy these activities without having to deal with extreme heat or cold. With an average temperature of 70 degrees, you can enjoy all types of activities found here.

From great food and nightlife to outdoor activities and world-class museums, you won’t spend a single weekend wondering what to do next. No matter what your interests are, you’ll find something to enjoy in Sacramento.

The capital city of California is also a great place to find employment opportunities. With its strong economy, Sacramento offers excellent career tracks in technology, healthcare, or government service. The unemployment rate in Sacramento is below the national average. So if you’re looking for a stable and prosperous place to work, Sacramento is a great option.

Real Estate Trends in Sacramento

The current housing trends in Sacramento are seeing a rise in real estate prices. The city’s strong economy and thriving arts scene continue to attract new residents, which is driving up the cost of housing. 

Average Home Price: According to Realtor, the average price of a home in Sacramento is now over $450,000, and the market shows no signs of slowing down. In fact, Norada Real Estate reports that the median price of single-family homes stands at $560,000 as of June 2022 and the number increased by 16% from the previous year.

Number of Homes Available for Sale: Currently, in Sacramento, there are over 2,000 homes for sale with median days on the market of 33 according to Movoto.com. This is indicative of the current state of the market, where there is an oversupply of homes and buyers have more choices. This may lead to slower sales and longer times on the market for some sellers. However, this trend also provides the opportunity for buyers who may be able to negotiate better prices on the purchase of a new home. 

Opportunity for Buyers: According to a Redfin report, Sacramento’s housing market is cooling at the 2nd fastest rate in the nation, allowing buyers to pay far less for houses than they would have had to pay a couple of months ago.

However, with the current unpredictable national economy, thanks to the highest inflation rate in 40 years, currently at 9.1%, interest rates may rise again. If you’re thinking of buying a home in Sacramento, now is a great time to start your search and be ready to seize on excellent buyer opportunities. It is advisable to get in touch with a mortgage company to get pre-approved for a home loan as soon as possible before mortgage rates soar again.

Current Mortgage Rates

It is important to stay up to date with the current mortgage and refinancing rates to make the soundest financial decision while buying a property. To help you stay updated, we have provided you with the existing mortgage rates for the different loan types in California.

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30-Year Fixed Rate 5.13 % ⬇0.22 % 5.21 % ⬇0.22 %
20-Year Fixed Rate 4.62 % ⬇0.25 % 4.71 % ⬇0.26 %
15-Year Fixed Rate 4.23 % ⬇0.22 % 4.37 % ⬇0.22 %
10-Year Fixed Rate 4.00 % ⬇0.43 % 4.18 % ⬇0.43 %
7-year ARM 4.79 % ⬇0.44 % 4.42 % ⬇0.19 %
5-year ARM 4.56 % ⬇0.42 % 4.29 % ⬇0.08 %

Data source: ©Zillow, Inc. 2006 – 2021.

Keep in mind that these rates are changing over time. Our goal is to deliver you the latest mortgage rates in Sacramento, CA so that you can understand your housing expenses before starting  your home-buying journey. 

Top Mortgage Companies in Sacramento

When looking for the best mortgage companies in Sacramento, it is important to do your research. Not all mortgage companies are created equal, and some may be better suited for your needs than others. By researching and interviewing different lenders, you can find the one that is right for you.

The right mortgage company can make the process of buying a home much easier. They will help you find the best mortgage rates and terms for your situation, and they will be there to answer any questions you have along the way. That’s why we’ve done the research for you and compiled a list of the best mortgage companies in Sacramento, CA.

1. Reliance Financial

At Reliance Financial, we know that purchasing a home is one of the biggest financial decisions you will make in your lifetime. We also know that the process can be confusing, time-consuming, and even stressful. That’s why we have dedicated ourselves to empowering our clients every step of their way towards homeownership through transparency, prompt service, and patient gudiance. 

We leverage the most innovative technology and years of professional expertise to guide our clients in finding the right home loan. Whether you’re a first-time homebuyer or a seasoned real estate investing pro, we have the knowledge and resources to help you optimize your home financing experience.

And because we believe that diversity makes us stronger, our team members come from all walks of life. So whether you need help understanding the paperwork or finding the best loan option, we are here for you. 

Contact us today to get started. Email: sales@reliancefinancial.com

02:48 17 Jun 23
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
Caroline YehCaroline Yeh
03:47 19 Apr 23
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!
Parth PatelParth Patel
23:56 03 Apr 23
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.
Ninderjit SandhuNinderjit Sandhu
00:54 08 Dec 22
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.
Phillip ApleyPhillip Apley
23:52 19 Oct 22
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!
Cecilia ApleyCecilia Apley
17:52 11 Oct 22
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!
Michael CastiglioneMichael Castiglione
20:50 09 Aug 22
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!
Jaya GuptaJaya Gupta
05:25 01 Apr 22
Excellent experience and amazing customer serviceWe 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!
Munir SayaniMunir Sayani
22:52 30 Mar 22
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!
Manaswini KoustubhManaswini Koustubh
17:35 22 Oct 21
Excellent service by Reliance FinancialWe 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!!
Sidak SandhuSidak Sandhu
05:22 29 Nov 18
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.

2. Guild Mortgage Company

Established in 1960, Guild Mortgage is a leading independent mortgage lender. They specialize in residential home loans and have grown steadily over the years through referrals by providing honest expertise and outstanding customer service. Their loan officers are committed to each relationship and work hard to find the best loan option to fit your individual needs.

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The company offers a variety of loan products that are tailored to meet the individual needs of each borrower. Guild Mortgage is committed to providing a high level of customer service and to closing loans on time. The company also has a strong commitment to giving back to the community through its support of various charitable organizations. Guild Mortgage is a reputable and trusted mortgage lender that you can count on to provide you with the financing you need.

3. Green Haven Capital Inc

At Green Haven Capital Inc., they are proud to have established themselves as a leading mortgage company in Sacramento. They work with some of the top professionals in the industry and their staff has over 40 years of combined experience. This allows them to offer their clients a wide range of options and tailor each loan to their specific needs.

They are also committed to getting their clients the best possible terms on their loans. If you are looking for a mortgage company that you can trust to provide you with the best possible service, then look no further than Green Haven Capital Inc.

4. American Pacific Mortgage

At American Pacific Mortgage (APM), they pride themselves on being a top Independent Mortgage Banker. Their company is known for creating experiences that matter, and they serve their communities, referral partners, and borrowers through their local retail branches with a personal touch and attention to detail.

As a company, they embrace the concept of homeownership with enthusiasm and optimism. Every employee at APM knows that every transaction represents a family, a home, and a life decision. They understand that their job, in the end, is to delight everyone involved in the loan process. 

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5. West Coast Mortgage Group

At West Coast Mortgage Group, they take a straightforward approach to mortgage lending. They work together as a family to provide quality home lending solutions that make a difference in their clients’ lives. Their culture is built on integrity. They pride themselves on being a diverse group of extraordinary people who enjoy serving their clients and each other.

They understand the importance of creating a healthy professional environment where clients can get connected to quality lending products. West Coast is committed to providing their clients with the best possible experience and service. If you are looking for a Mortgage Lender that values teamwork, integrity, and excellence, then contact them today.


Sacramento is a great place to live, work, and raise a family. There are plenty of things to do in Sacramento, and the people are friendly and welcoming. The cost of living in Sacramento is reasonable, and there are plenty of job opportunities available. The schools in Sacramento are excellent, and there is something for everyone in this city. If you are looking for a stable and secure place to call home, then Sacramento is a great choice for you.

The best mortgage companies in Sacramento can help you finance your new home with the best possible rate and lowest closing costs. If you’re ready to take advantage of Sacramento’s real estate market, now is the time to act. Contact Reliance Financial today to learn more about our mortgage products and how we can help you power towards your home ownership goal.