Downtown Sacramento

Mortgage Lenders in Downtown Sacramento

Our flagship office sits at 917 7th St in Downtown Sacramento, where our team has been writing home loans for Sacramento, Roseville, Folsom, Natomas, and the rest of NorCal since 2009. As an independent mortgage broker, we shop dozens of wholesale lenders on every file — which is why our clients consistently close at lower rates and lower fees than what big banks quote.

How a broker beats a bank

A retail bank has one rate sheet — theirs. We have access to dozens. On every loan, we compete those lenders against each other to find the lowest pricing for your specific scenario (credit, down payment, property, loan amount). The savings flow to you, not to a lender’s profit margin.

Loan programs available from Downtown Sacramento

• Conventional fixed-rate and adjustable-rate (ARM) mortgages
• FHA, VA, USDA, and CalHFA government-backed loans
• Jumbo loans up to multi-million on a single property
• Bank Statement loans for self-employed borrowers (12 or 24 month)
• DSCR loans for real estate investors
• Airbnb / short-term-rental financing
• Cash-out and rate-and-term refinancing
• Reverse mortgages for homeowners 62+

Sacramento neighborhoods we serve

Downtown, Midtown, East Sacramento, Land Park, Curtis Park, Oak Park, Pocket-Greenhaven, Natomas, North Highlands, South Sacramento, Elk Grove, Galt, and across the river into West Sacramento.

What to bring (or send us)

Same-day pre-qualification is normal for us. To run your numbers we need: two months of bank statements, two recent paystubs (or 12–24 months of bank statements if self-employed), your most recent W-2 or 1099, and a quick credit check. The whole pre-qual takes about 20 minutes.

Stop by 917 7th St, call 209-456-4896, or apply online and we’ll have a written quote in your inbox today.