Local Pros · Elk Grove
Local Mortgage Brokers in Elk Grove, CA
Locally owned and operated mortgage brokers serving Elk Grove and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Elk Grove, CA by verified customer ratings and review volume. The highest-rated is Lifetime Home Loans -Michele Milota with a 5.0-star rating from 285 verified reviews. Also in the top tier: Precision Home Loans and Statewide Realty & Mortgage. The average rating across all listed mortgage brokers in Elk Grove is 5 stars from 63 reviews per business on average.
Mortgage brokers in Elk Grove: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
63
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Lifetime Home Loans -Michele Milota
10259 Atlantis Dr, Elk Grove, CA 95624, USA
Precision Home Loans
9401 E Stockton Blvd #145, Elk Grove, CA 95624, USA
Statewide Realty & Mortgage
9299 E Stockton Blvd # 40, Elk Grove, CA 95624, USA
Mortgage Brokers Rankings in Elk Grove, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Lifetime Home Loans -Michele Milota10259 Atlantis Dr, Elk Grove, CA 95624, USA | 5.0★ | 285 |
| #2 | Precision Home Loans9401 E Stockton Blvd #145, Elk Grove, CA 95624, USA | 5.0★ | 168 |
| #3 | Statewide Realty & Mortgage9299 E Stockton Blvd # 40, Elk Grove, CA 95624, USA | 4.9★ | 177 |
| #4 | ArmCor Home Loans9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624, USA | 5.0★ | 18 |
| #5 | Anew Lending9323 Laguna Springs Dr STE 110, Elk Grove, CA 95758, USA | 4.9★ | 64 |
| #6 | Amy Meeker9280 W Stockton Blvd suite 224, Elk Grove, CA 95758, USA | 5.0★ | 22 |
| #7 | Guild Mortgage - Stephany Kuennen9281 Office Park Cir #140, Elk Grove, CA 95758, USA | 5.0★ | 16 |
| #8 | Golden Empire Mortgage Inc.9245 Laguna Springs Dr Suite 200, Elk Grove, CA 95758, USA | 5.0★ | 77 |
| #9 | Finance of America Mortgage LLC | Elk Grove, Ca | NMLS 813959250 Laguna Springs Dr #210, Elk Grove, CA 95758, USA | 5.0★ | 50 |
| #10 | Chris Opfer, Mortgage Lender9381 E Stockton Blvd STE 214, Elk Grove, CA 95624, USA | 5.0★ | 72 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Elk Grove
Anew Lending
9323 Laguna Springs Dr STE 110, Elk Grove, CA 95758, USA
Amy Meeker
9280 W Stockton Blvd suite 224, Elk Grove, CA 95758, USA
Guild Mortgage - Stephany Kuennen
9281 Office Park Cir #140, Elk Grove, CA 95758, USA
Golden Empire Mortgage Inc.
9245 Laguna Springs Dr Suite 200, Elk Grove, CA 95758, USA
Finance of America Mortgage LLC | Elk Grove, Ca | NMLS 81395
9250 Laguna Springs Dr #210, Elk Grove, CA 95758, USA
Chris Opfer, Mortgage Lender
9381 E Stockton Blvd STE 214, Elk Grove, CA 95624, USA
365 Home Loans Inc. ALL IN LENDING
8788 Elk Grove Blvd Office 1 Building 1, Elk Grove, CA 95624, USA
Chris Mason - Residential and Commercial Mortgage Broker
9401 E Stockton Blvd Suite 145, Office 108, Elk Grove, CA 95624, USA
Land Home Financial Services - Elk Grove
9381 E Stockton Blvd STE 208, Elk Grove, CA 95624, USA
Johnny Delgadillo - Xpert Home Lending Inc.
9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624, USA
Big Valley Mortgage
9250 Laguna Springs Dr #200, Elk Grove, CA 95758, USA
Guild Mortgage Company
9281 Office Park Cir #140, Elk Grove, CA 95758, USA
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Frequently Asked Questions — Mortgage Brokers in Elk Grove
What does a mortgage broker do differently than going directly to a bank in Elk Grove?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Elk Grove?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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