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Mortgage Lenders Modesto

Mortgage Lenders Modesto

Mortgage Lenders Modesto – Modesto, also known as a designee for Tree City USA, is located in California’s Central Valley.  Continue reading to find out more about the wonderful city, as well as a list of mortgage lenders Modest that can help make your home-owning dreams a reality.

Modesto has a famous history for having Hollywood stars originate from the city, such as George Lucas, the creator of “Star Wars”, or Jeremy Renner, from “The Avengers”. The city also boasts a wide variety of cultural and recreational activities, making this a great place to raise a family.

Exciting Things About Modesto

  • Due to its location, residents in Modesto have easy access to California’s majestic mountains and beautiful coast. The city also offers California’s typical weather, as it is hot and dry in the summer, with temperatures reaching into the triple digits and mild with average temperatures in the 50s in the winter.
  • Modesto also holds many parks, golf courses, and other recreational activities. There are many parks in Modesto for residents to enjoy, making this a great place to raise a family and be active. For those who love the outdoors, the city offers the Woodward Reservoir. This reservoir is perfect for fishing, boating, and swimming.
  • If you are looking for a place to explore Modesto’s thriving arts and culture scene, the city offers many options. If you are interested in museums, Modesto has several to choose from, including the Museum of Art and History and the Stanislaus County Historical Society Museum.
  • Due to the city being a prime area for farming and agriculture, Modest holds the best farmers markets in California. If you are looking for a farmers market to buy fresh produce, Modesto has several to choose from. One of the most popular markets is the Downtown Modesto Farmers Market. This market offers a variety of fresh fruits and vegetables.
  • The schools in Modesto are highly-rated and provide a high-quality education. The city has several public schools as well as charter and private schools. The schools in Modesto range from pre-kindergarten to 12th grade. If you are looking for a high-quality school for your child, Modesto is a great place to call home.

Perks Of Moving To Modesto

  • Modesto is a great place to live for many reasons. The city offers a wide variety of entertainment options, from its rich culture and history to its many parks and amenities. The food in Modesto is also excellent, with a variety of restaurants and cafes to choose from. The weather is another perk of living in Modesto, as the city experiences moderate temperatures year-round.
  • And last but not least, there are plenty of popular places to visit in Modesto, from the historic downtown area to the eventful State Theater, which is the longest continuously running theater in California. Whether you’re looking for a lively city or a peaceful small town, Modesto is the perfect place to call home.
  • Modesto, California is a thriving city with a population of over 200,000 people. The city is located in the heart of the Central Valley and is known for its agriculture and food processing industry. Modesto is also home to a number of major corporations, including E&J Gallo Winery, Frito-Lay, and Blue Diamond Growers. The city’s thriving economy provides residents with plenty of employment opportunities. 
  • In addition, Modesto is a safe and secure city with a low crime rate with a rate of only 17 crimes per 1,000 people. This makes Modesto one of the safest cities in California. The city’s public transportation system is reliable and efficient, making it easy for residents to get around and commute time almost non-existent.
  • The city has a variety of transportation options, including buses, taxis, and ride-sharing services. Overall, Modesto is an excellent place to live and work. The city offers residents a great quality of life and plenty of opportunities for growth and development.

Real Estate Trends

  • Local Median Home Price- According to realtor.com, the local median home price in Modesto is $420,000, comparatively lower than most cities in California. But this price has increased by 1.2% year-over-year.
  • Number of Homes Sold- The city of Modesto has sold 189 homes in the last 3 years, according to Redfin. This number has decreased by 38.6% year-over-year.
  • Median Days on Market- An average house in Modesto stays on the market for 32 days. This number has increased by 23 days year-over-year.
  • Number of New Homes on Sale- In accordance with Zillow, there is 1 newly constructed house on sale in Modesto as of November 2022.
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Top Mortgage Companies In Modesto

1.  Reliance Financial Mortgage

At our company, we live by our five H’s: hard work, honesty, humility, honor, and humor. We believe that these values define the way we do business and realize our company’s vision. Hard work is at the core of everything we do. We always go the extra mile to provide our customers and partners with outstanding service. Honesty and integrity are essential in how we conduct business and pursue results.

Reliance Financial approaches each situation with a problem-solving and growth mindset, powered by a deep appreciation to serve our clients and communities. Honor and respect are crucial for our customers and teammates alike. And finally, humor is our way of conducting business with ease in a very challenging and evolving lending environment.

By adhering to these values, we are able to provide the best possible service to our clients and build long-lasting relationships. To learn more about buying your dream home in Modesto, contact us at: 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. Valley First Credit Union

At Valley First Credit Union, they are dedicated to serving the communities that they call home. Unlike banks, who are in business for their stockholders, they are in business for their members. The money earned by banks is paid out to a few stockholders.

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They give the money back to their members in the form of higher dividend rates on savings and lower interest rates on loans. They are committed to providing quality financial services to our community members.

3. Academy Mortgage Corporation

At Academy Mortgage, they believe that the American Dream is built upon sustainable homeownership. They recognize that what they do has a noble purpose and that they exist to make homeownership a reality for as many people as possible. It is their privilege to be a part of such an important milestone in their customers’ lives.

They have a unique company culture focused on families, not files. They care about their employees, they care about serving others, and they care about making dreams come true by getting families into homes.

4. Carrollton Mortgage

At Carrollton Mortgage, they understand that buying a home is one of the biggest financial decisions you will ever make. That’s why their mortgage experts are here to help you every step of the way, from finding the loan that’s right for you to closing on your dream home. They take the time to get to know you and your unique circumstances so that they can tailor a loan solution that meets your needs. And because they work with a variety of lenders, they can offer competitive rates and terms.

5. Scenic Oaks Funding

Scenic Oaks Funding is a leading provider of home mortgages in Central California. They are proud to offer their customers a wide range of home loan products and services that are designed to meet their unique needs. Their team of experienced loan originators is committed to providing their customers with the highest level of service and support.

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They are proud to be a local, trusted mortgage lender in the Central Valley. Scenic Oaks Funding is working to making the dream of homeownership a reality for their customers. They are aiming to providing their customers with the best possible experience when buying a home.


Modesto is a great place to live, work, and raise a family. The people are friendly and welcoming, and there is always something to do. There are plenty of parks and recreational facilities, as well as a variety of cultural and entertainment options. The economy is strong, and there are plenty of job opportunities. The schools are excellent, and the cost of living is affordable.

If you’re looking for a friendly, welcoming community with plenty of job and entertainment options, Modesto may be the perfect place for you. The schools are excellent, the cost of living is affordable, and the economy is strong.

If you’re looking for a quality mortgage company in Modesto, CA, contact Reliance Financial. We are committed to providing our customers with the best possible experience when buying a home. We have a team of experienced loan originators who are dedicated to helping you find the right loan for your needs. Contact us today to get started on the path to homeownership at: sales@reliancefinancial.com