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As of May 2026, RatingsNearMe ranks 11 mortgage brokers in Rancho Cordova, CA by verified customer ratings and review volume. The highest-rated is Empire Home Loans, Inc. with a 5.0-star rating from 1,124 verified reviews. Also in the top tier: Joe Alves, California Home Loans and Mortgage Consultants Group - Lee Hurst. The average rating across all listed mortgage brokers in Rancho Cordova is 5 stars from 168 reviews per business on average.
Mortgage brokers in Rancho Cordova: 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
11
Businesses listed
5★
Avg rating
168
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Empire Home Loans, Inc.
4401 Hazel Ave #225, Fair Oaks, CA 95628, USA
Joe Alves, California Home Loans
11344 Coloma Rd suite #300, Gold River, CA 95670, USA
Mortgage Consultants Group - Lee Hurst
2200 Sunrise Blvd #168, Gold River, CA 95670, USA
Mortgage Brokers Rankings in Rancho Cordova, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Empire Home Loans, Inc.4401 Hazel Ave #225, Fair Oaks, CA 95628, USA | 5.0★ | 1,124 |
| #2 | Joe Alves, California Home Loans11344 Coloma Rd suite #300, Gold River, CA 95670, USA | 5.0★ | 141 |
| #3 | Mortgage Consultants Group - Lee Hurst2200 Sunrise Blvd #168, Gold River, CA 95670, USA | 5.0★ | 135 |
| #4 | Pacific National Lending, inc2377 Gold Meadow Way, Gold River, CA 95670, USA | 5.0★ | 36 |
| #5 | Elevate Mortgage3600 American River Dr Suite 105, Sacramento, CA 95864, USA | 5.0★ | 109 |
| #6 | The Harris Team - Xpert Home Lending3090 Fite Cir Suite 203, Sacramento, CA 95827, USA | 5.0★ | 57 |
| #7 | Heather Hunter Jackson || Senior Mortgage Advisor4401 Hazel Ave #225, Fair Oaks, CA 95628, USA | 5.0★ | 59 |
| #8 | Mortgage Broker - Rocky Forlano4401 Hazel Ave Suite 135, Fair Oaks, CA 95628, USA | 5.0★ | 28 |
| #9 | Mortgage Consultants Group2200 Sunrise Blvd #168, Rancho Cordova, CA 95670, USA | 5.0★ | 20 |
| #10 | Patron Mortgage4829 Argyle Ln, Sacramento, CA 95841, USA | 5.0★ | 21 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Rancho Cordova
Pacific National Lending, inc
2377 Gold Meadow Way, Gold River, CA 95670, USA
Elevate Mortgage
3600 American River Dr Suite 105, Sacramento, CA 95864, USA
The Harris Team - Xpert Home Lending
3090 Fite Cir Suite 203, Sacramento, CA 95827, USA
Heather Hunter Jackson || Senior Mortgage Advisor
4401 Hazel Ave #225, Fair Oaks, CA 95628, USA
Mortgage Broker - Rocky Forlano
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628, USA
Mortgage Consultants Group
2200 Sunrise Blvd #168, Rancho Cordova, CA 95670, USA
Mortgage Consultants Group - Jim Langdon
2200 Sunrise Blvd #168, Gold River, CA 95670, USA
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Frequently Asked Questions — Mortgage Brokers in Rancho Cordova
What does a mortgage broker do differently than going directly to a bank in Rancho Cordova?
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 Rancho Cordova?
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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