Real Reviews · Folsom
Top-Reviewed Mortgage Brokers in Folsom, CA
What are customers actually saying? Read verified reviews for mortgage brokers in Folsom — every rating is from a real customer.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Folsom, CA by verified customer ratings and review volume. The highest-rated is Reliance Home Loans - Evangeline Scott with a 5.0-star rating from 269 verified reviews. Also in the top tier: Masters Team Mortgage and Integrity 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 May 17, 2026 · Scored by 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
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Reliance Home Loans - Evangeline Scott
2600 E Bidwell St #235, Folsom, CA 95630, USA
Masters Team Mortgage
50 Iron Point Cir Suite 140, Folsom, CA 95630, USA
Mortgage 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 | Integrity Mortgage9290 Madison Ave, Orangevale, CA 95662, USA | 5.0★ | 82 |
| #4 | Golden Bear Mortgage Corporation806 Bidwell St, Folsom, CA 95630, USA | 5.0★ | 49 |
| #5 | Iron Point Mortgage2130 E Bidwell St STE 110, Folsom, CA 95630, USA | 5.0★ | 41 |
| #6 | Blue Waters Mortgage & Real Estate Group1847 Iron Point Rd STE 180, Folsom, CA 95630, USA | 5.0★ | 62 |
| #7 | Jesseca Hendricks-Xpert Home Lending2600 E Bidwell St STE 160, Folsom, CA 95630, USA | 5.0★ | 25 |
| #8 | Mike Adams | Mortgage Broker | Alltrust Lending6085 Douglas Blvd, Granite Bay, CA 95746, USA | 5.0★ | 65 |
| #9 | Guild Mortgage - Geoff Black81 Blue Ravine Rd #125, Folsom, CA 95630, USA | 5.0★ | 28 |
| #10 | Mortgage Garage: Michael Kane, Mortgage Broker NMLS #24501280 Blue Ravine Rd Ste 110, Folsom, CA 95630, USA | 5.0★ | 45 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Folsom
Golden Bear Mortgage Corporation
806 Bidwell St, Folsom, CA 95630, USA
Blue Waters Mortgage & Real Estate Group
1847 Iron Point Rd STE 180, Folsom, CA 95630, USA
Jesseca Hendricks-Xpert Home Lending
2600 E Bidwell St STE 160, Folsom, CA 95630, USA
Mike Adams | Mortgage Broker | Alltrust Lending
6085 Douglas Blvd, Granite Bay, CA 95746, USA
Guild Mortgage - Geoff Black
81 Blue Ravine Rd #125, Folsom, CA 95630, USA
Mortgage Garage: Michael Kane, Mortgage Broker NMLS #245012
80 Blue Ravine Rd Ste 110, Folsom, CA 95630, USA
Troy Watson - Barrett Financial Group, LLC
850 Iron Point Rd #138, Folsom, CA 95630, USA
Guild Mortgage - Jeff Compton
81 Blue Ravine Rd #125, Folsom, CA 95630, USA
Brent Wilson, CFP, Mortgage Strategist - Mortgage Minds nmls 297693
35 Iron Point Cir Suite 280, Folsom, CA 95630, USA
Guild Mortgage Company
81 Blue Ravine Rd #125, Folsom, CA 95630, USA
Inner Circle Mortgage
301 Natoma St Suite 102, Folsom, CA 95630, USA
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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: May 17, 2026.
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