Same Day · Sacramento
Same-Day Mortgage Brokers in Sacramento, CA
Can't wait a week? These mortgage brokers in Sacramento offer same-day or next-day appointments. Call now to check availability.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Sacramento, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is AFC Mortgage with a 5.0-star rating from 395 Google reviews and an RNM Score of 100/100. Also in the top tier: Green Haven Capital Inc. and Jason Mata - American Pacific Mortgage. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Guild Mortgage - Jamal Bey
Jamal Bey is consistently recognized as a top-ranked mortgage broker in Sacramento for his exceptional customer service and local expertise.
Most Reviewed
Guild Mortgage - Jamal Bey
A high number of reviews indicates broad customer experience and reliability, helping you gauge service quality from many perspectives.
When choosing a mortgage broker in Sacramento, compare loan options and fees across multiple brokers, and prioritize those with strong local reputations and transparent communication.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
172
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Sacramento's top-rated mortgage broker with a perfect 5.0★ score from nearly 400 reviews.
1424 21st Street, Sacramento, CA 95811, USATrusted by hundreds of clients with a perfect 5.0-star rating.
5890 S Land Park Dr, Sacramento, CA 95822, USAA trusted Sacramento mortgage broker with a 4.9★ rating from over 300 reviews.
980 9th St Suite 340, Sacramento, CA 95814, USAMortgage 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 | Jason Mata - American Pacific Mortgage980 9th St Suite 340, Sacramento, CA 95814, USA | 4.9★ | 312 |
| #4 | Mason-McDuffie Mortgage Corporation333 University Place Suite 200 #7, Sacramento, CA 95825, USA | 5.0★ | 161 |
| #5 | Guild Mortgage Company300 University Ave #210, Sacramento, CA 95825, USA | 4.9★ | 35 |
| #6 | Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 14034893900 Lennane Dr STE 200, Sacramento, CA 95834, USA | 5.0★ | 134 |
| #7 | Joseph Kelley "Joe The Mortgage Giant" COO/Partner of Golden Bay Mortgage Group & President of Natomas Chamber of Commerece3900 Lennane Dr STE 200, Sacramento, CA 95834, USA | 5.0★ | 109 |
| #8 | The Chris Kennedy Team at Reliant Lending2100 Northrop Ave STE 900, Sacramento, CA 95825, USA | 5.0★ | 140 |
| #9 | United Wholesale Lending917 7th St, Sacramento, CA 95814, USA | 4.6★ | 261 |
| #10 | Matt the Mortgage Guy3600 American River Dr Suite 105, Sacramento, CA 95864, USA | 5.0★ | 134 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Sacramento
Sacramento's top-rated mortgage broker with a perfect 5.0★ score from 161 reviews.
333 University Place Suite 200 #7, Sacramento, CA 95825, USA
Consistently rated 4.9 stars from 35 Google reviews in Sacramento.
300 University Ave #210, Sacramento, CA 95825, USA
Earned a perfect 5.0-star rating from 134 Google reviews in Sacramento.
3900 Lennane Dr STE 200, Sacramento, CA 95834, USA
A 5.0-star mortgage broker in Sacramento with over 100 glowing Google reviews.
3900 Lennane Dr STE 200, Sacramento, CA 95834, USA
Recognized for 5.0 stars from 140 Google reviews in Sacramento.
2100 Northrop Ave STE 900, Sacramento, CA 95825, USA
4.6 stars from 261 reviews, reflecting strong local client satisfaction.
917 7th St, Sacramento, CA 95814, USA
Sacramento’s top-rated mortgage broker with a perfect 5.0★ from 134 reviews.
3600 American River Dr Suite 105, Sacramento, CA 95864, USA
Consistently rated 5.0 stars from over 70 Google reviews in Sacramento.
917 7th St, Sacramento, CA 95814, USA
Sacramento mortgage broker with a perfect 5.0★ rating from 257 Google reviews.
2716 Broadway, Sacramento, CA 95818, USA
Trusted by 252 clients with a perfect 5.0-star rating in Sacramento.
6840 65th St #115, Sacramento, CA 95828, USA
5.0 stars from 24 Google reviews, reflecting exceptional client satisfaction.
1600 Sacramento Inn Wy #212, Sacramento, CA 95815, USA
Trusted by 70 local clients, this Sacramento mortgage broker holds a strong 4.7-star rating.
1550 Harbor Blvd Suite 205, West Sacramento, CA 95691, USA
Trusted by 99 clients with a perfect 4.9-star rating on Google.
1111 Howe Ave # 510, Sacramento, CA 95825, USA
Sacramento's top-rated mortgage broker with 4.9 stars from 152 reviews.
4211 Freeport Blvd, Sacramento, CA 95822, USA
Top-rated Sacramento mortgage broker with 4.9 stars from 97 Google reviews.
1545 River Park Dr Suite 400, Sacramento, CA 95815, USA
Consistently rated 5.0 stars from 19 Google reviews in Sacramento.
3900 Lennane Dr STE 200, Sacramento, CA 95834, USA
A trusted mortgage broker with a perfect 5.0★ rating from 360 Google reviews.
1100 Corporate Way Suite 210, Sacramento, CA 95831, USA
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Mortgage Brokers in Sacramento, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | AFC Mortgage | 100/100 | 5.0 ★ | 395 |
| 2 | Green Haven Capital Inc. | 100/100 | 5.0 ★ | 362 |
| 3 | Jason Mata - American Pacific Mortgage | 98/100 | 4.9 ★ | 312 |
| 4 | Mason-McDuffie Mortgage Corporation | 98/100 | 5.0 ★ | 161 |
| 5 | Guild Mortgage Company | 88/100 | 4.9 ★ | 35 |
| 6 | Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 1403489 | 97/100 | 5.0 ★ | 134 |
| 7 | Joseph Kelley "Joe The Mortgage Giant" COO/Partner of Golden Bay Mortgage Group & President of Natomas Chamber of Commerece | 96/100 | 5.0 ★ | 109 |
| 8 | The Chris Kennedy Team at Reliant Lending | 97/100 | 5.0 ★ | 140 |
| 9 | United Wholesale Lending | 93/100 | 4.6 ★ | 261 |
| 10 | Matt the Mortgage Guy | 97/100 | 5.0 ★ | 134 |
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 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: July 4, 2026.
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