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Emergency Mortgage Brokers in Sacramento, CA — Available 24/7
When you can't wait, these mortgage brokers in Sacramento offer emergency response. Call now — most respond within the hour.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Sacramento, CA by verified customer ratings and review volume. The highest-rated is AFC Mortgage with a 5.0-star rating from 395 verified reviews. Also in the top tier: Green Haven Capital Inc. and West Coast Mortgage Group. The average rating across all listed mortgage brokers in Sacramento is 4.9 stars from 172 reviews per business on average.
Mortgage brokers in Sacramento: 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
20
Businesses listed
4.9★
Avg rating
172
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Green Haven Capital Inc.
5890 S Land Park Dr, Sacramento, CA 95822, USA
West Coast Mortgage Group
2716 Broadway, Sacramento, CA 95818, USA
Mortgage Brokers Rankings in Sacramento, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | AFC Mortgage1424 21st Street, Sacramento, CA 95811, USA | 5.0★ | 395 |
| #2 | Green Haven Capital Inc.5890 S Land Park Dr, Sacramento, CA 95822, USA | 5.0★ | 362 |
| #3 | West Coast Mortgage Group2716 Broadway, Sacramento, CA 95818, USA | 5.0★ | 257 |
| #4 | Jason Mata - American Pacific Mortgage980 9th St Suite 340, Sacramento, CA 95814, USA | 4.9★ | 312 |
| #5 | Mason-McDuffie Mortgage Corporation333 University Place Suite 200 #7, Sacramento, CA 95825, USA | 5.0★ | 161 |
| #6 | Guild Mortgage Company300 University Ave #210, Sacramento, CA 95825, USA | 4.9★ | 35 |
| #7 | PRMG Mortgage1545 River Park Dr Suite 400, Sacramento, CA 95815, USA | 4.9★ | 97 |
| #8 | Guild Mortgage - Jamal Bey4211 Freeport Blvd, Sacramento, CA 95822, USA | 4.9★ | 152 |
| #9 | Hawkins Home Loans Inc.1550 Harbor Blvd Suite 205, West Sacramento, CA 95691, USA | 4.7★ | 70 |
| #10 | Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 14034893900 Lennane Dr STE 200, Sacramento, CA 95834, USA | 5.0★ | 134 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Sacramento
Jason Mata - American Pacific Mortgage
980 9th St Suite 340, Sacramento, CA 95814, USA
Mason-McDuffie Mortgage Corporation
333 University Place Suite 200 #7, Sacramento, CA 95825, USA
Guild Mortgage Company
300 University Ave #210, Sacramento, CA 95825, USA
PRMG Mortgage
1545 River Park Dr Suite 400, Sacramento, CA 95815, USA
Guild Mortgage - Jamal Bey
4211 Freeport Blvd, Sacramento, CA 95822, USA
Hawkins Home Loans Inc.
1550 Harbor Blvd Suite 205, West Sacramento, CA 95691, USA
Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 1403489
3900 Lennane Dr STE 200, Sacramento, CA 95834, USA
The Chris Kennedy Team at Reliant Lending
2100 Northrop Ave STE 900, Sacramento, CA 95825, USA
Joseph Kelley "Joe The Mortgage Giant" COO/Partner of Golden Bay Mortgage Group & President of Natomas Chamber of Commerece
3900 Lennane Dr STE 200, Sacramento, CA 95834, USA
Matt the Mortgage Guy
3600 American River Dr Suite 105, Sacramento, CA 95864, USA
Albert Chavez HomeLoan Team
917 7th St, Sacramento, CA 95814, USA
Cyrus Mulitalo - Golden Bay Mortgage Group - Mortgage Broker
3900 Lennane Dr STE 200, Sacramento, CA 95834, USA
CAPITAL CITY LENDING
1600 Sacramento Inn Wy #212, Sacramento, CA 95815, USA
Loan Factory - Sacramento
6840 65th St #115, Sacramento, CA 95828, USA
GFL Capital Mortgage
1100 Corporate Way Suite 210, Sacramento, CA 95831, USA
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Frequently Asked Questions — Mortgage Brokers in Sacramento
What does a mortgage broker do differently than going directly to a bank in Sacramento?
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 Sacramento?
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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