Choosing the right mortgage broker in Sacramento can make all the difference when you’re buying a home or refinancing in this competitive market. With the city’s diverse neighborhoods—from historic midtown to the growing suburbs—you need a local expert who knows the area’s lending landscape and can guide you through the paperwork with transparency and care. That’s why we’ve rounded up the top-rated mortgage brokers in Sacramento based on real customer feedback, so you can start your home loan journey with confidence.
1. AFC Mortgage — 1424 21st Street, Sacramento, CA 95811, USA AFC Mortgage sits right in the heart of midtown Sacramento and has earned a perfect 5.0-star rating from 395 reviews, making it one of the most trusted names in the city. Their team is known for clear communication and a streamlined process, which is especially valuable for first-time homebuyers navigating the midtown and downtown markets.
2. Green Haven Capital Inc. — 5890 S Land Park Dr, Sacramento, CA 95822, USA Located near the desirable Land Park area, Green Haven Capital Inc. boasts a flawless 5.0-star rating with 362 reviews. Clients consistently praise their responsiveness and ability to tailor loan options for families and investors alike, making them a go-to choice for South Sacramento residents.
3. GFL Capital Mortgage — 1100 Corporate Way Suite 210, Sacramento, CA 95831, USA GFL Capital Mortgage serves the Pocket-Greenhaven community and beyond, holding a 5.0-star rating from 360 reviews. Their team stands out for offering a wide variety of loan programs—from conventional to FHA and VA—while keeping clients informed every step of the way.
4. West Coast Mortgage Group — 2716 Broadway, Sacramento, CA 95818, USA This Broadway staple has built a reputation for personalized service, reflected in its 5.0-star rating across 257 reviews. West Coast Mortgage Group is especially popular with repeat buyers and referrals in the Curtis Park and Land Park neighborhoods because they take time to explain each option.
5. Loan Factory - Sacramento — 6840 65th St #115, Sacramento, CA 95828, USA Serving the growing southeastern part of Sacramento, Loan Factory has earned a 5.0-star rating from 252 reviews. Borrowers appreciate their fast turnaround times and willingness to work with self-employed clients, which is a big plus in a region with many small business owners.
6. Mason-McDuffie Mortgage Corporation — 333 University Place Suite 200 #7, Sacramento, CA 95825, USA With a 5.0-star rating from 161 reviews, Mason-McDuffie is a well-established name in the Arden-Arcade and East Sacramento areas. Their long history in the industry means they have deep relationships with local lenders, often securing competitive rates for their customers.
7. The Chris Kennedy Team at Reliant Lending — 2100 Northrop Ave STE 900, Sacramento, CA 95825, USA This team brings a personal touch to the lending process, earning a perfect 5.0-star rating from 140 reviews. Located near Cal Expo, The Chris Kennedy Team is known for being especially patient with first-time buyers and for helping clients understand the nuances of Sacramento’s housing market.
8. Matt the Mortgage Guy — 3600 American River Dr Suite 105, Sacramento, CA 95864, USA True to his name, Matt the Mortgage Guy offers a straightforward, no-pressure approach that has earned him a 5.0-star rating from 134 reviews. He operates out of the American River Drive corridor, making him a convenient option for those in the Arden-Arcade and Carmichael areas who value speed and honesty.
9. Golden Bay Mortgage Group — 3900 Lennane Dr STE 200, Sacramento, CA 95834, USA This group has racked up a 5.0-star rating from 134 reviews and is praised for its efficient processing and strong local ties in North Natomas. Their team is particularly adept at helping clients with down payment assistance programs, a common need in Sacramento’s newer developments.
10. Joseph Kelley "Joe The Mortgage Giant" — 3900 Lennane Dr STE 200, Sacramento, CA 95834, USA Sharing the same office as Golden Bay Mortgage Group, Joe brings a unique blend of community leadership and lending expertise, reflected in his 5.0-star rating from 109 reviews. As President of the Natomas Chamber of Commerce, he knows the local economy inside and out, making him an invaluable resource for clients in the Natomas and North Sacramento areas.
When shopping for a mortgage broker in Sacramento, timing matters: start the process at least a few months before you plan to close, especially if you’re buying in the busy spring or summer seasons. A few good questions to ask any broker are “What loan programs do you specialize in?” and “How do you communicate with clients during underwriting?” As for pricing, a competitive origination fee in Sacramento typically ranges from 0.5% to 1% of the loan amount—anything above that should come with a clear explanation. With a list of these top-rated brokers, you’re already on the right track to finding a trusted partner for your home financing journey.