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Best Mortgage Brokers in Lincoln

3 in Lincoln · 17 nearby
Lincoln Mortgage Brokers stats: Key insights from this page’s listings Updated
Businesses listed
3 +17 nearby
Average rating
4.9 236 reviews
Owner reviewed
1 of 3 Claimed or managed by the owner
Most-offered services
Mortgage ServicesReal Estate Services
What customers praise
recommend×82highly recommend×46extremely knowledgeable×8very responsive×7
Mortgage brokerLincoln, CA

1

Mike Swaleh | Lincoln CA Branch | Fairway Home Mortgage

Verified

Specializing in helping military veterans, first-time buyers, and investors understand mortgage payments before committing, this Fairway Home Mortgage branch offers pre-approval, purchase loans, and refinancing options including VA and jumbo loans. Clients appreciate the team’s clear communication, responsiveness, and support throughout the process, though some note the experience can feel… more...

Specializing in helping military veterans, first-time buyers, and investors understand mortgage payments before committing, this Fairway Home Mortgage branch offers pre-approval, purchase loans, and refinancing options including VA and jumbo loans. Clients appreciate the team’s clear communication, responsiveness, and support throughout the process, though some note the experience can feel detailed for newcomers.

Services & Prices
Home Purchase Loans, Refinancing, VA Loans)
Buyer Representation, Seller Representation, Market Analysis)
View Profile
(314) 478-3699
Open 8:00 AM - 6:00 PM
436 Lincoln Blvd #105, Lincoln, CA 95648, USA
General Services
Mortgage Services
2

Sherene Gray - Fairway Independent Mortgage

Known for transparent communication and steady guidance, Sherene Gray - Fairway Independent Mortgage helps clients navigate home loans with patience and clear explanations. The team assists with everything from pre-approval to loan recasting, consistently providing prompt responses and support throughout the process. Customers appreciate the trust and calm they bring to often stressful… more...

Known for transparent communication and steady guidance, Sherene Gray - Fairway Independent Mortgage helps clients navigate home loans with patience and clear explanations. The team assists with everything from pre-approval to loan recasting, consistently providing prompt responses and support throughout the process. Customers appreciate the trust and calm they bring to often stressful transactions.

Services & Prices
Loan Recasting Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(916) 798-8026
Open 8:30 AM - 5:30 PM
436 Lincoln Blvd Suite 105, Lincoln, CA 95648, USA
General Services
Mortgage Services
3

Lighthouse Mortgage Company Inc.

Known for handling complex and unique mortgage situations, Lighthouse Mortgage Company Inc. specializes in home purchases, refinancing, and hard money loans, including agricultural properties. Clients appreciate the team’s thorough communication and ability to navigate challenging approvals, though some caution about licensing status has been noted.

Services & Prices
Residential Mortgage Fee quoted per loan
Agricultural Mortgage Fee quoted per loan
Investment Property Mortgage Fee quoted per loan
View Profile
(408) 892-3523
Closed Now
570 5th St #100, Lincoln, CA 95648, USA
General Services
Mortgage Services
4

Summit Funding, Inc.

Serves Lincoln, 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
Open 9:00 AM - 5:00 PM
2135 Butano Dr Ste 150, Sacramento, CA 95825
5

American Pacific Mortgage (NMLS #1850)

Serves Lincoln, 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
Open 8:30 AM - 5:00 PM
3000 Lava Ridge Ct Ste 200, Roseville, CA 95661
General Services
Loan Origination
Mortgage Affordability Calculator – LincolnSee how much house you can afford in Lincoln in 30 seconds, then get pre-approved by a top-rated local mortgage broker. Check what I can afford →
Where they are 20 on the map Click a pin for the profile and directions
6

AFC Mortgage

Serves Lincoln, 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
Open 9:00 AM - 5:00 PM
1424 21st Street, Sacramento, CA 95811
General Services
Home Loans
7

Better Rate Mortgage, Inc.

Serves Lincoln, 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.

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

The Chris Kennedy Team at Reliant Lending

Serves Lincoln, 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
Open 9:00 AM - 5:00 PM
2100 Northrop Ave Ste 900, Sacramento, CA 95825
General Services
Mortgage Services
9

Direct Realty & Mortgage

Serves Lincoln, CA

Licensed through NMLS and DRE, Direct Realty & Mortgage offers a broad range of loan programs including niche options like Private Mortgage and Bank Statement Loans. The team assists with home purchases and refinancing across several California zip codes, with clients appreciating their clear communication and supportive approach throughout the process.

Services & Prices
Home Loan Application Quoted per loan
Refinancing Options Quoted per loan
View Profile
(916) 316-5374
Open 8:00 AM - 5:00 PM
1382 Blue Oaks Blvd Ste 270, Roseville, CA 95678
General Services
Mortgage Services
10

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

Serves Lincoln, 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
Open 8:30 AM - 5:00 PM
3900 Lennane Dr Ste 200, Sacramento, CA 95834
General Services
Mortgage Services
11

Matt the Mortgage Guy

Serves Lincoln, 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 7:00 AM - 8:00 PM
3600 American River Dr Ste 105, Sacramento, CA 95864
General Services
Mortgage Services
12

Amy DeBusk Home Loans

Serves Lincoln, 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
13

Paul Bozek | Unified Home Loans

Serves Lincoln, 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
14

Partners Mortgage

Serves Lincoln, 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
Open 9:00 AM - 5:00 PM
1687 Eureka Rd #100, Roseville, CA 95661
General Services
Mortgage Lending
15

Elevate Mortgage

Serves Lincoln, 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
Open 8:30 AM - 5:00 PM
3600 American River Dr Ste 105, Sacramento, CA 95864
General Services
Mortgage Lending
16

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

Serves Lincoln, 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
17

LRG Lending

Serves Lincoln, 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
Open 8:00 AM - 6:00 PM
2140 Professional Dr #130, Roseville, CA 95661
General Services
Home Loan Services
18

Point Equity Residential Lending

Serves Lincoln, CA

Point Equity Residential Lending focuses on a personalized approach, helping clients find home loans that fit their unique needs. They offer a range of options including conventional, FHA, VA, USDA, and alternative loans, guiding borrowers through every step with clear communication. Customers appreciate the team’s responsiveness and transparency, which help make the mortgage process less… more...

Point Equity Residential Lending focuses on a personalized approach, helping clients find home loans that fit their unique needs. They offer a range of options including conventional, FHA, VA, USDA, and alternative loans, guiding borrowers through every step with clear communication. Customers appreciate the team’s responsiveness and transparency, which help make the mortgage process less stressful.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(916) 248-4620
Open 9:00 AM - 5:00 PM
915 Highland Pointe Dr Suite 160, Roseville, CA 95678
General Services
Mortgage Lending
19

Loan City Mortgage

Serves Lincoln, 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
20

Guild Mortgage Company

Serves Lincoln, 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
Open 8:00 AM - 5:00 PM
2250 Douglas Blvd #120, Roseville, CA 95661
General Services
Mortgage Lending

Lincoln Mortgage Statistics

Home-purchase lending in Placer County and home costs in Lincoln, CA (latest HMDA and Census data)

Lenders made 5,716 home-purchase loans in Placer County in 2025 (average about $601,000) and denied 532 — 9% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Lincoln, the median home is worth $651,000 and 69% of owners have a mortgage, paying a median $2,797 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
5,7160%5,738 in 2024
Denial rate
9%CA 12%
Median home value
$651,000CA $734,700
Monthly cost with a mortgage
$2,797median · CA $2,946
Refinance loans made (Placer County, 2025)
3,272 · 2,238 in 2024
Home-improvement loans made (2025)
1,058
Average home-purchase loan
$601,000 (CA $711,000)
Owners with a mortgage
69% · 38% of them spend 30%+ of income on housing
Median household income
$111,990 (CA $99,122)

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

Lincoln Mortgage Brokers stats: 20 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Mike Swaleh | Lincoln CA Branch | Fairway Home Mortgage 5.0 72 — (314) 478-3699 Visit
2 Sherene Gray - Fairway Independent Mortgage 5.0 131 Quoted per loan (916) 798-8026 Visit
3 Lighthouse Mortgage Company Inc. 4.8 33 Fee quoted per loan (408) 892-3523 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 Better Rate Mortgage, Inc. 5.0 311 — (916) 742-7400 Visit
8 The Chris Kennedy Team at Reliant Lending 5.0 154 Quoted per loan (916) 794-0777 Visit
9 Direct Realty & Mortgage 4.9 154 Quoted per loan (916) 316-5374 Visit
10 Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 1403489 5.0 147 Quoted per loan (916) 469-3749 Visit
11 Matt the Mortgage Guy 5.0 134 Quoted per loan (916) 529-7600 Visit
12 Amy DeBusk Home Loans 5.0 133 Quoted per loan (916) 705-2557 Visit
13 Paul Bozek | Unified Home Loans 5.0 133 Quoted per loan (916) 271-4405 Visit
14 Partners Mortgage 5.0 123 Quoted per loan (916) 782-9494 Visit
15 Elevate Mortgage 5.0 122 Quoted per loan (916) 228-4930 —
16 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
17 LRG Lending 5.0 84 Quoted per loan (916) 532-8620 Visit
18 Point Equity Residential Lending 5.0 70 Quoted per loan (916) 248-4620 Visit
19 Loan City Mortgage 5.0 70 — (916) 726-7777 Visit
20 Guild Mortgage Company 4.3 21 Quoted per loan (916) 367-7100 Visit

Frequently asked questions

8 questions
What does a mortgage broker do?
Mortgage brokers help clients find and secure home loans by comparing different lenders' offers, negotiating terms, and assisting with paperwork.
How do I choose the best mortgage broker in Lincoln?
Consider brokers with high reviews and claimed profiles. TrustAnalytica ranks based on customer reviews, review volume, and profile claims for transparency.
Are free consultations common with mortgage brokers?
Yes, many mortgage brokers offer free consultations to discuss your needs and options before you commit.
What questions should I ask a mortgage broker before hiring?
Ask about their experience, lender relationships, fees, and how they can help with your specific financial situation.
Do I need a mortgage broker to buy a home in California?
While not required, a mortgage broker can simplify the loan process by finding competitive rates and handling paperwork.
How long does the mortgage process take with a broker?
The process typically takes 30 to 45 days, depending on the lender and complexity of your financial situation.
How are mortgage brokers paid?
Mortgage brokers are usually paid a commission by the lender, which may be a percentage of the loan amount.
What services do mortgage brokers in Lincoln offer?
They offer loan comparisons, rate negotiations, and assistance with loan applications and documentation.

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

Our Methodology

Best 10 mortgage broker list assembly and recognition by TrustAnalytica for Lincoln 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 Lincoln 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 Lincoln.

3

Reviews And Ratings

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

4

SEO And Keywords

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

5

AI Search Visibility

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