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Best Mortgage Brokers in Elk Grove

3 in Elk Grove · 18 nearby
Elk Grove Mortgage Brokers stats: Key insights from this page’s listings Updated
Businesses listed
3 +18 nearby
Average rating
5.0 436 reviews
Most-offered services
Home LoansMortgage Services
What customers praise
recommend×3stress free×2highly recommend×2easy to work with×1
Mortgage brokerElk Grove, CA

1

Lifetime Home Loans -Michele Milota

Lifetime Home Loans - Michele Milota specializes in guiding first-time homebuyers through the loan process with clear communication and personalized support. The team handles everything from application to closing, often completing loans quickly and with transparency. Customers appreciate the steady guidance and local knowledge, though some note the process can feel fast-paced.

Services & Prices
Fixed-Rate Mortgage Quoted per loan
Adjustable-Rate Mortgage Quoted per loan
FHA Loans Quoted per loan
View Profile
(916) 628-3814
Open 8:00 AM - 8:00 PM
10259 Atlantis Dr, Elk Grove, CA 95624
General Services
Home Loans
2

Golden Empire Mortgage Inc.

With years of experience guiding clients through home purchases and refinancing, Golden Empire Mortgage Inc. offers clear explanations and support, including first-time homebuyer programs. The team is approachable and communicative, helping customers understand their loan options, though some may find the process detailed.

View Profile
(916) 261-8186
Open 9:00 AM - 7:00 PM
9245 Laguna Springs Dr Suite 200, Elk Grove, CA 95758
3

Chris Opfer, Mortgage Lender

Known for being accessible even during off hours, Chris Opfer offers personalized mortgage lending with a focus on guiding first-time buyers and VA loan clients through the process. The team provides clear explanations, thorough support, and helpful referrals, making a complex journey easier to navigate. Customers appreciate the friendly, patient approach and reliable communication throughout.

Services & Prices
VA Loan Assistance Quoted per loan
View Profile
(916) 709-3257
Open 10:00 AM - 6:00 PM
9381 E Stockton Blvd Ste 214, Elk Grove, CA 95624
General Services
Mortgage Services
4

Summit Funding, Inc.

Serves Elk Grove, CA

Known for helping finance about 1 in 33 homes nationwide, CrossCountry Mortgage offers a wide range of loan options including first-time homebuyer programs, refinancing, and renovation loans. Customers appreciate the team’s clear communication and quick responses, though some find the process can feel fast-paced.

View Profile
(916) 571-3000
Closed Now
2135 Butano Dr Ste 150, Sacramento, CA 95825
5

American Pacific Mortgage (NMLS #1850)

Serves Elk Grove, CA

American Pacific Mortgage (NMLS #1850) offers a range of home financing options, including renovation and refinancing loans. Customers note the team’s efforts to manage complex situations and provide guidance throughout the process, though some have experienced communication challenges and concerns about credit inquiries. The company’s responsiveness can vary depending on the loan type and… more...

American Pacific Mortgage (NMLS #1850) offers a range of home financing options, including renovation and refinancing loans. Customers note the team’s efforts to manage complex situations and provide guidance throughout the process, though some have experienced communication challenges and concerns about credit inquiries. The company’s responsiveness can vary depending on the loan type and circumstances.

Services & Prices
Mortgage Loan Quoted per loan
Refinancing Loan Quoted per loan
Renovation Loan Quoted per loan
View Profile
(916) 960-1325
Closed Now
3000 Lava Ridge Ct Ste 200, Roseville, CA 95661
General Services
Loan Origination
Mortgage Affordability Calculator – Elk GroveSee how much house you can afford in Elk Grove in 30 seconds, then get pre-approved by a top-rated local mortgage broker. Check what I can afford →
Where they are 21 on the map Click a pin for the profile and directions
6

AFC Mortgage

Serves Elk Grove, CA

Known for fast funding often within 30 days, AFC Mortgage offers personalized home purchase and refinance loans, including VA, FHA, Jumbo, and USDA options. The team is praised for clear communication and making the process smooth, though some clients note the experience can feel quick-paced. Their fully online application helps speed approvals.

Services & Prices
VA Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(888) 210-9838
Closed Now
1424 21st Street, Sacramento, CA 95811
General Services
Home Loans
7

Green Haven Capital Inc.

Serves Elk Grove, CA

Green Haven Capital Inc. specializes in strategic mortgage financing with over 40 years of combined experience and licenses in multiple states. They offer a range of loan options for homebuyers and investors, focusing on clear guidance and a streamlined process. Clients appreciate their responsiveness, transparency, and competitive rates throughout the loan journey.

View Profile
(916) 476-6507
Closed Now
5890 S Land Park Dr, Sacramento, CA 95822
8

Better Rate Mortgage, Inc.

Serves Elk Grove, CA

Better Rate Mortgage, Inc. is known for clear communication and personalized support, especially for first-time homebuyers. The team offers mortgage financing with quick pre-approvals and guidance throughout the loan process. Customers appreciate their responsiveness and the ability to assist in Spanish, though some may find wait times vary depending on demand.

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(916) 742-7400
Open 8:00 AM - 7:00 PM
2998 Douglas Blvd Ste 325, Roseville, CA 95661
9

West Coast Mortgage Group

Serves Elk Grove, CA

West Coast Mortgage Group specializes in VA and FHA loans, offering a streamlined process designed to simplify home financing. Their team handles a wide range of mortgage options, including jumbo loans, reverse mortgages, and physician loans. Clients appreciate their clear communication and responsiveness throughout the loan process.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(916) 453-7533
Closed Now
2716 Broadway, Sacramento, CA 95818
General Services
Mortgage Services
10

Loan Factory - Sacramento

Serves Elk Grove, CA

Loan Factory - Sacramento offers attentive and detailed mortgage brokerage services, with a team known for being responsive and professional throughout the loan process. They assist clients with various loan needs, and customers appreciate their clear communication and support at every step. Some reviews highlight quick email responses as a helpful aspect.

View Profile
(916) 999-5000
Closed Now
6840 65th St #115, Sacramento, CA 95828
11

The Chris Kennedy Team at Reliant Lending

Serves Elk Grove, CA

Specializing in mortgage solutions for Sacramento homeowners, The Chris Kennedy Team offers guidance on buying, selling, and refinancing with a variety of loan options, including programs for first-time buyers, veterans, and doctors. Clients appreciate their clear explanations and responsive support, though some note the process can involve detailed paperwork.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(916) 794-0777
Closed Now
2100 Northrop Ave Ste 900, Sacramento, CA 95825
General Services
Mortgage Services
12

Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 1403489

Serves Elk Grove, CA

Licensed under DRE# 01989440 and NMLS ID# 1403489, Golden Bay Mortgage Group offers personalized mortgage brokerage services with a focus on clear communication and steady support. The team assists clients through buying, selling, and refinancing, often praised for their availability and thorough explanations, though some note the process can take time.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
View Profile
(916) 469-3749
Closed Now
3900 Lennane Dr Ste 200, Sacramento, CA 95834
General Services
Mortgage Services
13

Matt the Mortgage Guy

Serves Elk Grove, CA

Known for personalized mortgage solutions backed by local market expertise, Matt The Mortgage Guy guides clients through a range of loan options, including purchase, refinance, and construction loans. The team is praised for clear communication and responsiveness, though some clients note the process can feel detailed for first-timers.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(916) 529-7600
Open 9:00 AM - 9:00 PM
3600 American River Dr Ste 105, Sacramento, CA 95864
General Services
Mortgage Services
14

Paul Bozek | Unified Home Loans

Serves Elk Grove, CA

Known for competitive rates and clear communication, Unified Home Loans offers a wide range of mortgage options including FHA, VA, Jumbo, and renovation loans. The team supports first-time buyers and refinancers with an education-focused approach, guiding clients through each step to make the process straightforward and transparent.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Options Quoted per loan
Family Opportunity Transactions Quoted per loan
View Profile
(916) 271-4405
Open 8:30 AM - 6:30 PM
2270 Douglas Blvd Ste 215, Roseville, CA 95661
General Services
Mortgage Services
15

Amy DeBusk Home Loans

Serves Elk Grove, CA

With over 25 years of experience and BBB accreditation, Amy DeBusk Home Loans focuses on making mortgages straightforward and personalized. The team assists a wide range of clients—from first-time buyers and veterans to self-employed individuals and investors—offering guidance on diverse loan programs and down payment assistance. Customers appreciate their clear communication and patient support… more...

With over 25 years of experience and BBB accreditation, Amy DeBusk Home Loans focuses on making mortgages straightforward and personalized. The team assists a wide range of clients—from first-time buyers and veterans to self-employed individuals and investors—offering guidance on diverse loan programs and down payment assistance. Customers appreciate their clear communication and patient support through complex financing steps.

Services & Prices
Conventional Loan Quoted per loan
VA Home Loan Quoted per loan
Bank Statement Home Equity Line of Credit Quoted per loan
View Profile
(916) 705-2557
Open 00:00 - 23:59
2999 Douglas Blvd Ste 180, Roseville, CA 95661
General Services
Home Loans
16

Partners Mortgage

Serves Elk Grove, CA

Partners Mortgage focuses on guiding first-time homebuyers through the lending process with clear communication and responsiveness. Their team assists with both home purchases and refinancing, helping clients understand each step and manage stress along the way. Customers appreciate their attentiveness, though some note the process can still feel complex at times.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate & Term Refinancing Quoted per loan
View Profile
(916) 782-9494
Closed Now
1687 Eureka Rd #100, Roseville, CA 95661
General Services
Mortgage Lending
17

Elevate Mortgage

Serves Elk Grove, CA

Known for clear communication and patient guidance, Elevate Mortgage helps first-time and experienced buyers navigate home loans with ease. The team offers personalized mortgage brokerage services, often accommodating clients’ schedules and explaining each step thoroughly. Customers appreciate their responsiveness and dedication, though some note the process can feel detailed due to careful… more...

Known for clear communication and patient guidance, Elevate Mortgage helps first-time and experienced buyers navigate home loans with ease. The team offers personalized mortgage brokerage services, often accommodating clients’ schedules and explaining each step thoroughly. Customers appreciate their responsiveness and dedication, though some note the process can feel detailed due to careful attention.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(916) 228-4930
Closed Now
3600 American River Dr Ste 105, Sacramento, CA 95864
General Services
Mortgage Lending
18

Joseph Kelley "Joe The Mortgage Giant" COO/Partner of Golden Bay Mortgage Group & President of Natomas Chamber of Commerece

Serves Elk Grove, CA

Golden Bay Mortgage Group specializes in providing clear and responsive mortgage lending, with a focus on honesty and timely communication. The team assists with purchases and refinancing, guiding clients through each step without pressure. Customers appreciate their thoroughness and helpful explanations throughout the process.

View Profile
(916) 612-4294
Open 00:00 - 23:59
3900 Lennane Dr Ste 200, Sacramento, CA 95834
19

LRG Lending

Serves Elk Grove, CA

LRG Lending specializes in government-backed loans like VA and FHA mortgages, along with a variety of refinance and jumbo loan options. The team is licensed and known for clear communication, thorough guidance, and a client-focused approach that helps make the mortgage process understandable and manageable. Customers appreciate their responsiveness and personal care throughout each step.

Services & Prices
VA Loans Quoted per loan
First-Time Homebuyer Loans Quoted per loan
Conventional Loans Quoted per loan
View Profile
(916) 532-8620
Closed Now
2140 Professional Dr #130, Roseville, CA 95661
General Services
Home Loan Services
20

Loan City Mortgage

Serves Elk Grove, CA

Loan City Mortgage focuses on helping clients with imperfect financial profiles qualify for home loans, offering long-term support and guidance. They provide a variety of mortgage options, including FHA, VA, Jumbo, and refinancing loans, with experienced loan officers navigating complex situations. Customers appreciate their responsiveness and persistence, especially in challenging cases.

View Profile
(916) 726-7777
Open 8:00 AM - 6:00 PM
2251 Douglas Blvd #100, Roseville, CA 95661
21

Guild Mortgage Company

Serves Elk Grove, CA

Guild Mortgage Company offers mortgage services with a focus on helping clients through the loan process efficiently. Customers appreciate the team's willingness to assist and clear communication during closing, though some note that company policies can change unexpectedly and post-closing support is limited. The process typically moves quickly, often wrapping up within a few weeks.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Letter Quoted per loan
View Profile
(916) 367-7100
Closed Now
2250 Douglas Blvd #120, Roseville, CA 95661
General Services
Mortgage Lending

Elk Grove Mortgage Statistics

Home-purchase lending in Sacramento County and home costs in Elk Grove, CA (latest HMDA and Census data)

Lenders made 14,490 home-purchase loans in Sacramento County in 2025 (average about $482,000) and denied 1,705 — 11% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Elk Grove, the median home is worth $630,100 and 73% of owners have a mortgage, paying a median $2,730 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
14,490▼ 1%14,587 in 2024
Denial rate
11%CA 12%
Median home value
$630,100CA $734,700
Monthly cost with a mortgage
$2,730median · CA $2,946
Refinance loans made (Sacramento County, 2025)
8,840 · 6,266 in 2024
Home-improvement loans made (2025)
2,717
Average home-purchase loan
$482,000 (CA $711,000)
Owners with a mortgage
73% · 31% of them spend 30%+ of income on housing
Median household income
$125,924 (CA $99,122)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Sacramento County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Elk Grove Mortgage Brokers stats: 21 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Lifetime Home Loans -Michele Milota 5.0 284 Quoted per loan (916) 628-3814 Visit
2 Golden Empire Mortgage Inc. 5.0 77 — (916) 261-8186 —
3 Chris Opfer, Mortgage Lender 5.0 75 Quoted per loan (916) 709-3257 Visit
4 Summit Funding, Inc. 5.0 1381 — (916) 571-3000 Visit
5 American Pacific Mortgage (NMLS #1850) 4.9 821 Quoted per loan (916) 960-1325 Visit
6 AFC Mortgage 5.0 406 Quoted per loan (888) 210-9838 Visit
7 Green Haven Capital Inc. 5.0 380 — (916) 476-6507 Visit
8 Better Rate Mortgage, Inc. 5.0 311 — (916) 742-7400 Visit
9 West Coast Mortgage Group 5.0 265 Quoted per loan (916) 453-7533 Visit
10 Loan Factory - Sacramento 5.0 257 — (916) 999-5000 —
11 The Chris Kennedy Team at Reliant Lending 5.0 154 Quoted per loan (916) 794-0777 Visit
12 Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 1403489 5.0 147 Quoted per loan (916) 469-3749 Visit
13 Matt the Mortgage Guy 5.0 134 Quoted per loan (916) 529-7600 Visit
14 Paul Bozek | Unified Home Loans 5.0 133 Quoted per loan (916) 271-4405 Visit
15 Amy DeBusk Home Loans 5.0 133 Quoted per loan (916) 705-2557 Visit
16 Partners Mortgage 5.0 123 Quoted per loan (916) 782-9494 Visit
17 Elevate Mortgage 5.0 122 Quoted per loan (916) 228-4930 —
18 Joseph Kelley "Joe The Mortgage Giant" COO/Partner of Golden Bay Mortgage Group & President of Natomas Chamber of Commerece 5.0 121 — (916) 612-4294 Visit
19 LRG Lending 5.0 84 Quoted per loan (916) 532-8620 Visit
20 Loan City Mortgage 5.0 70 — (916) 726-7777 Visit
21 Guild Mortgage Company 4.3 21 Quoted per loan (916) 367-7100 Visit

Frequently asked questions

7 questions
What does a mortgage broker do?
A mortgage broker connects borrowers with lenders, helping find suitable mortgage products and rates. They handle applications and negotiations, simplifying the process.
How do I choose the best mortgage broker in Elk Grove?
Consider verified reviews, ratings, review volume, and whether the broker has claimed their profile. TrustAnalytica uses these factors for rankings.
Are free consultations common with mortgage brokers?
Yes, many mortgage brokers offer free consultations to discuss options and assess borrower needs before proceeding.
What questions should I ask a mortgage broker before hiring?
Ask about their experience, fees, lender network, loan options, and how they assist throughout the mortgage process.
Do I need a mortgage broker in Elk Grove?
While not required, a mortgage broker can simplify finding competitive rates and managing paperwork, especially for first-time buyers.
How long does the mortgage process take with a broker?
The process typically takes 30-45 days, but this can vary based on lender requirements and borrower circumstances.
How do mortgage broker fees work?
Mortgage brokers typically earn a commission from lenders, not directly from borrowers, though some may charge fees for specific services.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 mortgage broker list assembly and recognition by TrustAnalytica for Elk Grove is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing mortgage broker companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 mortgage broker category.

The Process

1

Business Verification

Verified mortgage broker listings in Elk Grove are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive mortgage broker profiles offer vital details for informed decisions in Elk Grove.

3

Reviews And Ratings

Real-time customer ratings guide our mortgage broker rankings in Elk Grove, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top mortgage broker providers in Elk Grove.

5

AI Search Visibility

Every mortgage broker listing in Elk Grove is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.