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Best Mortgage Lenders Sacramento

Mortgage Lenders in Sacramento

Best Mortgage Lenders Sacramento – A mortgage will likely be helpful to finance the purchase of your home, which is a significant milestone. Fees, rates, loan alternatives, the lender’s reputation for customer service, and many other considerations are accountable when picking your mortgage options. Consequently, based on the aforementioned standards, this article will guide you through city attractions as well as the Best Mortgage Lenders Sacramento .

About Sacramento

Sacramento is a famous city with a lengthy history, several tourist attractions, and tens of thousands of satisfied dwellers. It’s situated in the Central Valley of California, about 93 miles northeast of San Francisco. The city is notable for its location at the meeting point of the American and Sacramento Rivers. Sacramento enjoys sunny days throughout the year, like most of the state. The city has had some substantial tailwinds as the state’s capital and one of the nation’s hottest real estate markets.

  • Sacramento’s notable success appears to be a result of its proximity to several other major cities and its affordability – especially relative to other major cities in Northern California, like San Francisco and San Jose. Therefore, moving to Sacramento is a great option for people wishing to move to the Golden State.
  • Although Sacramento’s weather can be quite warm (which is quite typical of California), Sacramento’s built-in shadow provides some reprieve from the heat. Sacramento is Popular as the “City of Trees” because it boasts more trees per capita than any other city in the United States.
  • Nature-lovers will thrive in this city, and residents generally love the aesthetic appeal and the freshness that the greenery imbues in Sacramento. In addition, Sacramento is also well-known for its open and welcoming queer-owned eateries, cafes, bars, clubs, and retail establishments. 
  • Sacramento is not particularly close to the Pacific Ocean, but it does have a lot of fresh water nearby – the 32-mile American River Parkway. It’s dubbed the “Jewel of Sacramento” due to its beautiful waterways, roomy parks, and infinite network of hiking paths. In addition, this gorgeous spot is also a great place to fish, float, or boat.

Real Estate Trends In Sacramento

Sacramento real estate agents believe that this year’s home price growth will continue. The Sacramento metro area is anticipating to experience a combined sales and price increase of over 11.0 percent in 2022. In addition, the city was ranking as the 48th best home market in the country by realtor.com this year.

Homes in Sacramento County had a median list price of $549,900 in June 2022, which was 14.5% higher than the previous year. Furthermore, the average price per square foot was $339. The real estate market in Sacramento is one in which there are more buyers than there are houses on the market. When demand outpaces supply, a seller’s market develops. 

Prices & Demand for Sacramento Homes 

We’ve provided the most recent monthly report on the Sacramento housing market from realtor.com in order to give you additional helpful information that you can use:

  • The median home price for Sacramento, California increased by 9,8% this year.
  • The average number of days on the market for listings is currently 13.
  • 2% of sold properties were in the list for 30 days or less.
  • 98% of sold homes were in the list for no more than 60 days.

List of Top Mortgage Lenders in Sacramento

There are many different types of mortgages available. Each of them is made to satisfy a different set of needs for various individuals. However, there are a bewildering number of mortgage businesses that can provide you with such loans, making it difficult to determine which one is working out for your objectives or their own. As a result, we have created a list of trustworthy mortgage lenders in Sacramento to help you out:

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1. Reliance Financial

For over 18 years, Reliance Financial has been consistently delivering high-quality mortgage services as a local lender. Being one of the leading mortgage lenders in Sacramento, we have been leveraging the resources of a national brand to customers. Currently operating in California, Texas, Colorado, Michigan, Washington, Virginia, and Florida State, Reliance Financial branches have gathered a tremendous customer base throughout the nation.

Our customers praise our services for reliable preapprovals, ease of transaction, on-time closings, transparency, and communication throughout the mortgage process. In the mortgage industry, we are known for our experience and our continued investment in customer satisfaction. Our mortgage officers specialize in all new purchase and refinance mortgage needs. They are highly knowledgeable and work as financial counselors to help borrowers make fruitful decisions.

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. GFL Capital Mortgage 

For more than 13 years, GFL Capital has served the Sacramento area as a timely and trustworthy mortgage lender. Their well-respected mortgage brokers focus on giving exceptional service and unmatched industry expertise. They aim to offer clients first-rate assistance throughout the mortgage application process. GFL Capital Mortgage aims to help current and prospective homeowners with their mortgage financing needs. They evaluate the state of the market and provide home loan choices to suit various family needs and necessities.

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3. Brizzi Financial 

Mortgage broker Ethan Brizzi is the owner of Brizzi Financial. Families and individuals in Sacramento, Roseville, and the surrounding areas have been served well by this mortgage provider for years. The company offers homebuyers loan options that are matching their requirements and objectives. Brizzi Financial has experience working with a wide range of loan types, including conventional, FHA, VA, fixed-rate, and adjustable-rate loans. Additionally, the business offers refinancing services meant to refinance existing mortgages into new loans with lower interest rates or monthly payments.

4. West Coast Mortgage

Sacramento-based West Coast Mortgage Group provides customers with excellent mortgage and refinancing services. The business offers cutting-edge services and solutions geared toward making mortgage borrowing straightforward. To make sure you get the greatest offers, they make sure to thoroughly scour the whole mortgage market. They leave no stone unturned.

Customers receive excellent, individualized service from West Coast Mortgage. Additionally, Oregon, Colorado, New Mexico, Idaho, Washington, Nevada, Florida, and Maryland are states that are serviced by this company as well. West Coast Mortgage Group recognizes the value of fostering a positive work environment where customers can access high-quality financing products and where every team member is treated as an important member of the family.

5. 995Hope

Since 2004, 995Hope has assisted more than nine million clients in the mortgage process. This mortgage firm serves the Sacramento area and its surrounding communities dutifully. Through its mortgage services, the business helps individuals and families who are looking for financial assistance for the purchase of a new house. Depending on the demands of the client, its mortgage specialists have connections with numerous lenders who can offer home loan programs. The company offers a variety of loan packages that include conventional fixed-rate, FHA, USDA, and reverse mortgage plans.

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Frequently Asked Questions About Mortgaging

Q1: How can I compare Sacramento’s top mortgage lenders?

  • Following your application for a mortgage, banks should offer you a loan estimate. On the third page of the loan estimate, there is a section to indicate comparisons.
  • The annual percentage rate, or APR, aggregates one-time fees with ongoing monthly fees to get a rate. Because we don’t regularly purchase items in percentages, some individuals find this difficult to understand. You don’t receive a percentage from the grocery store cashier when you check out. You are given a sum of money.
  • Because of this, choosing “in five years” as your comparison if you only have time for one is a wise decision. This displays your five-year payment total as well as the amount of the mortgage balance you will have paid off.
  • You’ll be able to contrast each other’s APR and “in 5 years” values when you obtain mortgage estimates from loan officers on Bundle.


To make sound financial decisions, you require a qualified advisor you can rely on. As a result, Reliance Financial provides the values and market knowledge you need to succeed in the current home market. We are your most reliable home-owning partners, especially when it comes to Sacramento house financing. To get the most affordable mortgage rates and the greatest mortgage programs for your needs, go to Reliance Financial. We’ve got your back.