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Mortgage Brokers in Folsom, CA — Free Estimates
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As of July 2026, RatingsNearMe ranks 19 mortgage brokers in Folsom, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Reliance Home Loans - Evangeline Scott with a 5.0-star rating from 269 Google reviews and an RNM Score of 100/100. Also in the top tier: Masters Team Mortgage and Inner Circle Mortgage. The average rating across all listed mortgage brokers in Folsom is 5 stars from 60 reviews per business on average.
Mortgage brokers in Folsom: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
60
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Folsom mortgage broker with a perfect 5.0 rating from hundreds of Google reviews.
2600 E Bidwell St #235, Folsom, CA 95630, USAExceptional 5.0-star rating from over 170 Google reviews in Folsom.
50 Iron Point Cir Suite 140, Folsom, CA 95630, USATrusted by 81 clients with a perfect 5.0-star rating in Folsom.
301 Natoma St Suite 102, Folsom, CA 95630, USAMortgage Brokers Rankings in Folsom, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Reliance Home Loans - Evangeline Scott2600 E Bidwell St #235, Folsom, CA 95630, USA | 5.0★ | 269 |
| #2 | Masters Team Mortgage50 Iron Point Cir Suite 140, Folsom, CA 95630, USA | 5.0★ | 172 |
| #3 | Inner Circle Mortgage301 Natoma St Suite 102, Folsom, CA 95630, USA | 5.0★ | 81 |
| #4 | Golden Bear Mortgage Corporation806 Bidwell St, Folsom, CA 95630, USA | 5.0★ | 49 |
| #5 | Guild Mortgage - Jeff Compton81 Blue Ravine Rd #125, Folsom, CA 95630, USA | 4.9★ | 48 |
| #6 | Mortgage Garage: Michael Kane, Mortgage Broker NMLS #24501280 Blue Ravine Rd Ste 110, Folsom, CA 95630, USA | 5.0★ | 45 |
| #7 | Troy Watson - Barrett Financial Group, LLC850 Iron Point Rd #138, Folsom, CA 95630, USA | 4.9★ | 44 |
| #8 | Iron Point Mortgage2130 E Bidwell St STE 110, Folsom, CA 95630, USA | 5.0★ | 41 |
| #9 | Jesseca Hendricks-Xpert Home Lending2600 E Bidwell St STE 160, Folsom, CA 95630, USA | 5.0★ | 25 |
| #10 | Lynel Ford Realty1024 Iron Point Rd, Folsom, CA 95630, USA | 5.0★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Folsom
Rated 5.0 stars from 49 Google reviews, this Folsom mortgage broker is highly trusted.
806 Bidwell St, Folsom, CA 95630, USA
Top-rated Folsom mortgage broker with 4.9 stars from 48 Google reviews.
81 Blue Ravine Rd #125, Folsom, CA 95630, USA
Folsom's top-rated mortgage broker with a perfect 5.0-star score from 45 reviews.
80 Blue Ravine Rd Ste 110, Folsom, CA 95630, USA
Rated 4.9 stars from 44 reviews, this Folsom mortgage broker is highly trusted.
850 Iron Point Rd #138, Folsom, CA 95630, USA
Trusted by dozens of local clients, this Folsom broker holds a flawless 5.0-star rating.
2130 E Bidwell St STE 110, Folsom, CA 95630, USA
Trusted by local clients, this Folsom mortgage broker holds a perfect 5.0-star rating from 25 reviews.
2600 E Bidwell St STE 160, Folsom, CA 95630, USA
Exceptional 5.0-star rating from 13 Google reviews for a Folsom mortgage broker.
1024 Iron Point Rd, Folsom, CA 95630, USA
5.0 stars from 12 Google reviews for a Folsom mortgage broker.
101 Parkshore Dr #100, Folsom, CA 95630, USA
Exceptional 5.0-star rating from 5 Google reviews for mortgage services in Folsom.
35 Iron Point Cir Suite 280, Folsom, CA 95630, USA
Exceptional 5.0-star rating from over 60 Google reviews.
1847 Iron Point Rd STE 180, Folsom, CA 95630, USA
Exceptional 5.0-star rating from 28 reviews from Folsom clients.
81 Blue Ravine Rd #125, Folsom, CA 95630, USA
Trusted by local clients with a solid 4.3-star rating from 11 Google reviews.
81 Blue Ravine Rd #125, Folsom, CA 95630, USA
Folsom's top-rated mortgage broker, with a perfect 5.0-star rating from 62 reviews.
35 Iron Point Cir Suite 280, Folsom, CA 95630, USA
Top-rated Folsom mortgage broker with a perfect 5.0-star rating from 82 reviews.
9290 Madison Ave, Orangevale, CA 95662, USA
Rated 5.0 stars from 65 Google reviews, this Folsom mortgage broker is highly trusted.
6085 Douglas Blvd, Granite Bay, CA 95746, USA
Exceptional 5.0-star rating from 18 Google reviews in Folsom, CA.
2600 E Bidwell St, Folsom, CA 95630, USA
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Mortgage Brokers in Folsom, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Reliance Home Loans - Evangeline Scott | 100/100 | 5.0 ★ | 269 |
| 2 | Masters Team Mortgage | 98/100 | 5.0 ★ | 172 |
| 3 | Inner Circle Mortgage | 94/100 | 5.0 ★ | 81 |
| 4 | Golden Bear Mortgage Corporation | 91/100 | 5.0 ★ | 49 |
| 5 | Guild Mortgage - Jeff Compton | 89/100 | 4.9 ★ | 48 |
| 6 | Mortgage Garage: Michael Kane, Mortgage Broker NMLS #245012 | 91/100 | 5.0 ★ | 45 |
| 7 | Troy Watson - Barrett Financial Group, LLC | 89/100 | 4.9 ★ | 44 |
| 8 | Iron Point Mortgage | 82/100 | 5.0 ★ | 41 |
| 9 | Jesseca Hendricks-Xpert Home Lending | 79/100 | 5.0 ★ | 25 |
| 10 | Lynel Ford Realty | 76/100 | 5.0 ★ | 13 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Folsom
What does a mortgage broker do differently than going directly to a bank in Folsom?
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 Folsom?
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: July 4, 2026.
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