Best Value · Santa Rosa
Affordable Mortgage Brokers in Santa Rosa, CA
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Santa Rosa, CA by verified customer ratings and review volume. The highest-rated is Fox & Company, Inc. with a 5.0-star rating from 177 verified reviews. Also in the top tier: Glenn Groves - GTG Financial, Inc. and Amanda Hagar, Your Lender - For Life! - Task Mortgage & Investments. The average rating across all listed mortgage brokers in Santa Rosa is 5 stars from 66 reviews per business on average.
Mortgage brokers in Santa Rosa: 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
18
Businesses listed
5★
Avg rating
66
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Fox & Company, Inc.
2001 4th St, Santa Rosa, CA 95404, USA
Glenn Groves - GTG Financial, Inc.
1421 Guerneville Rd # 100, Santa Rosa, CA 95403, USA
Amanda Hagar, Your Lender - For Life! - Task Mortgage & Investments
8465 Old Redwood Hwy # 410, Windsor, CA 95492, USA
Mortgage Brokers Rankings in Santa Rosa, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Fox & Company, Inc.2001 4th St, Santa Rosa, CA 95404, USA | 5.0★ | 177 |
| #2 | Glenn Groves - GTG Financial, Inc.1421 Guerneville Rd # 100, Santa Rosa, CA 95403, USA | 5.0★ | 170 |
| #3 | Amanda Hagar, Your Lender - For Life! - Task Mortgage & Investments8465 Old Redwood Hwy # 410, Windsor, CA 95492, USA | 5.0★ | 146 |
| #4 | Pacific Direct Mortgage & Real Estate, Inc.1400 N Dutton Ave Suite 22, Santa Rosa, CA 95401, USA | 4.8★ | 17 |
| #5 | PRMG131-A Stony Cir Suite 500 Offices 531 & 541, Santa Rosa, CA 95401, USA | 5.0★ | 83 |
| #6 | Intention Financial Group714 Mendocino Ave, Santa Rosa, CA 95401, USA | 4.9★ | 52 |
| #7 | Ryan Mortgage Company2129 4th St, Santa Rosa, CA 95404, USA | 5.0★ | 1 |
| #8 | Joe Jacobs, Mortgage Broker NMLS 453314714 Mendocino Ave, Santa Rosa, CA 95401, USA | 5.0★ | 28 |
| #9 | Guild Mortgage - Nancy Weaver3558 Round Barn Blvd Suite 200, Office 211 & 212, Santa Rosa, CA 95403, USA | 5.0★ | 48 |
| #10 | Sonoma County Mortgages2455 Bennett Valley Rd C107, Santa Rosa, CA 95404, USA | 4.7★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Santa Rosa
Pacific Direct Mortgage & Real Estate, Inc.
1400 N Dutton Ave Suite 22, Santa Rosa, CA 95401, USA
PRMG
131-A Stony Cir Suite 500 Offices 531 & 541, Santa Rosa, CA 95401, USA
Intention Financial Group
714 Mendocino Ave, Santa Rosa, CA 95401, USA
Ryan Mortgage Company
2129 4th St, Santa Rosa, CA 95404, USA
Joe Jacobs, Mortgage Broker NMLS 453314
714 Mendocino Ave, Santa Rosa, CA 95401, USA
Guild Mortgage - Nancy Weaver
3558 Round Barn Blvd Suite 200, Office 211 & 212, Santa Rosa, CA 95403, USA
Sonoma County Mortgages
2455 Bennett Valley Rd C107, Santa Rosa, CA 95404, USA
Scott Sheldon - SecurityNational Mortgage Company Loan Officer
2455 Bennett Valley Rd Bldg C, Ste C107, Santa Rosa, CA 95404, USA
Elise Groves - Your Mortgage Retriever
1919 Creekside Rd, Santa Rosa, CA 95405, USA
California Home Loans - Santa Rosa, CA
501 Stony Cir #131-A, Santa Rosa, CA 95401, USA
Steve Herndon Loans - American Pacific Mortgage
703 2nd St, Santa Rosa, CA 95404, USA
Pinnacle Home Loans
525 College Ave #231, Santa Rosa, CA 95404, USA
Guaranteed Rate
1260 N Dutton Ave #270, Santa Rosa, CA 95401, USA
Julie Colcleaser - Mortgage Broker
1421 Guerneville Rd # 100, Santa Rosa, CA 95403, USA
Mario's Home Loans
401 Mendocino Ave Suite F, Santa Rosa, CA 95401, USA
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Frequently Asked Questions — Mortgage Brokers in Santa Rosa
What does a mortgage broker do differently than going directly to a bank in Santa Rosa?
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 Santa Rosa?
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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