Home Blog Apply Now! Speak to a Live Loan Officer: (916) 604-4520
Home Blog Apply Now! Speak to a Live Loan Officer: (888) 502-2136

Home Blog Apply Now!

Speak to a Live Loan Officer:

(916) 604-4520

Welcome to Golden State Mortgage
Your Sacramento Mortgage Lender

LOW RATES. LOW FEES. FAST CLOSINGS.

trust-pilot
Yelp_MortgageLoans
facebook_reviews-300×134
Qualify Online
Jump in Front of the Line – Apply Now!
Type of loan?

or

Our Popular Sacramento Home Loans

30 Year Conventional, FHA, VA and USDA loan options
Conventional Fixed

4.375% | 4.458% APR

Primary, 2nd Homes &
Investment properties

FHA Rates

4.125% | 5.035% APR

Great for 1st time
home buyers, only 3.5% down

VA Rates

4.250% | 4.296% APR

100% Loan to $424,100 Tx Vet
Program Available

USDA Rates

4.250% | 4.695% APR

100% Financing Options
Rural Properties

Rates current as of 10/16/2017, 2:56:53 PM . Rate Assumptions

Trustpilot

Sacramento Jumbo Loans

Sacramento Home Loans
Jumbo Home LoansLoans over $417,000

Conventional

  • 95% Loan to Value

Jumbo

  • Loan Amount to 3 Million
  • Great Rates & Low Fees

Sacramento VA Loans

Sacramento VA Loans
VA Home LoansProudly serving our US Vets!

Advantages of VA Mortgage

  • Zero Down Payment Up to $417,000
  • Easier Credit Qualifying
  • Fewer Debt to Income Restrictions
  • Jumbo Available with Downpayment

Sacramento FHA Loans

Sacramento FHA Loans
FHA Home Loans1st Time Home Buyers

Great for First Time Home Buyers

  • Low Downpayment
  • Easier Credit Qualifying
  • Down Payment Assistance Allowed
  • Higher Debt to Income Allowed

Serving Sacramento California

California-Home-Loans-Office

609 Rolling Hills #200, CA 90274

Northern California Home Loans

Sacramento Loans

San Francisco Loans

San Jose Loans

Central California Home Loans

Fresno Home Loans

Southern California Home Loans

Los Angeles Loans

San Diego Loans

Golden-State-BBB-badge

Sacramento Mortgage Lenders – Why Golden State Mortgage?

Golden State Mortgage is a preferred mortgage lender in Sacramento that offers lows rates and fees, local customer service and a user experience that is second to none in the mortgage industry.  We pride ourselves on customer service and closing loans quickly.  As a direct mortgage lender we have loan programs and options not available to mortgage brokers or even your mortgage banks. Home mortgages in California is all we do and quiet frankly we are good at it!  Whether a FHA home loan for a first time buyer or a VA home loan for our US Veterans, we have the perfect loan options. Local to California underwriting we can make decisions quickly and process loans much faster.  We offer same-day approvals in most instances. Call our Sacramento home loans gurus today or apply online or learn more about how we work.

Our Mortgage Loan Process

Sacramento New Home Loans

  • Direct Lender with Low Rates & Fees
  • Streamline Process, Fast Closings & Funding
  • Same Day Pre-Approvals
  • 21 Day Closings!

Value of the Golden State Difference
(it’s our people!)

Dale G.
Branch Manager

Russell Stout
Production Manager

Amy Hall
Operations Specialist

Ryan Collins
Client Relations Specialist

  • I WANT TO THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR HELP, PATIENCE AND UNDERSTANDING WHILE HANDLING OUR MORTGAGE REFINANCE. YOU SPENT A LOT OF TIME WITH US AND I JUST WANT TO THANK YOU FOR YOUR TIME AND SPECIAL ATTENTION YOU PROVIDED. WE ARE SO THANKFUL FOR YOUR HELP AND GLAD WE FINALLY CLOSED!!

    WHITNEY
  • WHEN I WASN’T ABLE TO GET A REFINANCING THROUGH MY BANK, DALE AND HIS TEAM HELPED ME TO REPAIR MY CREDIT AND FOUND A REFINANCING PROGRAM THAT WORKED FOR ME. EXCELLENT EXPERIENCE!

    JON & CATHY
  • FROM THE TOP OF MY HEART I WANT TO THANK EACH OF YOU FOR THE HARD WORK YOU DID IN HELPING ME AND MY FAMILY IN PURCHASING OUR FIRST HOME. YOU HELPED MAKE OUR DREAMS COME TRUE. I PRAY THAT GOD WILL BLESS EACH OF YOU BECAUSE IT IS THROUGH YOU HE OPERATED ON OUR BEHALF. MAY GOD BLESS EACH OF YOU AND YOUR FAMILIES. THANK YOU!

    LISA
  • I WANT TO THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR HELP, PATIENCE AND UNDERSTANDING WHILE HANDLING OUR LOAN TRANSACTION. YOU ARE IN A BUSINESS THAT INCLUDES A LOT OF EMOTIONS FROM YOUR CUSTOMERS AND YOU DO IT WONDERFULLY. PEOPLE’S DREAMS REST ON WHAT YOU DO AND YOU MAKE THEM COME TRUE.

    KIM
  • THANK YOU BOTH FOR YOUR HELP WITH THIS TRANSACTION. I ENJOYED WORKING WITH YOU, AND I APPRECIATE YOUR DILIGENT AND QUICK EFFORT. I HAVE ALREADY BEGUN REFERRING FRIENDS AND CO-WORKERS TO YOU (DALE & RUSSELL).

    SCOTT
  • THANK YOU, EVERYONE, FOR ALL OF YOUR HELP IN GETTING US INTO OUR DREAM HOME! WE ARE EXTREMELY GRATEFUL! THANK YOU!

    FRANK & JESSICA RANGEL
  • SHELLY, THANKS TO BOTH YOU AND DALE FOR MAKING THIS A GREAT EXPERIENCE.

    COLIN FERNANDEZ
  • THANKS SO MUCH, YOU TWO ARE GREAT PEOPLE TO WORK WITH AND WISH YOU ALL THE BEST.

    ROBERT YORK

Your Sacramento Mortgage Lenders

Local to California we offer in-house underwriting and our goal is to close every new home loan in 21 days or less.   As a direct mortgage lender we offer a bevy of loan options and will customize the best loan option for your specific lending needs.  Call today and let us help educate you on best available loan programs and pick the perfect loan.  We our proud to serve our US Vets and experts in VA home loans as well as FHA home loans first time home buyers. New home purchase? We specialize in new home loans and offer Sacramento FHA Loans,  Sacramento VA Mortgages, and Jumbo home loans.  Learn more about all of our Sacramento California Sacramento Home Loans options.

SACRAMENTO MORTGAGE LENDING: CALL US TODAY 888-502-2136

Save