Proudly Serving Sacramento, CA

Low Rates. Low Fees. Fast Closings.

Apply Online in Minutes!
No Cost Estimate & Pre-Approvals
Our Popular Sacramento Home Loans
30 Year Fixed Conventional, FHA, VA and USDA Home Loan Options
Conventional Rates


Primary, 2nd Homes &
Investment Properties

FHA Rates


Great for 1st Time Buyers
Only 3.5% down

VA Rates


100% Loans to Conforming
Jumbo Options Available

USDA Rates


100% Financing
Rural Properties

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

Sacramento New Home Loans
Sacramento FHA Home Loans
Sacramento VA Home Loans
Sacramento USDA Home Loans

2244 Pacific Coast Hwy #106

Lomita CA 90717

Northern California Home Loans

Central California Home Loans

Southern California Home Loans

Sacramento Home Loans - Why Choose 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.


  • Low Rates & Low Fees!!
  • Full Range of Mortgage Programs
  • Technology Driven
  • Same Day Pre-Qualifications
  • Streamline Process, Fast Closings & On Time Funding
  • Typically Close in 28 Days or Less!
The value of our mortgage company? (it’s our people!)
Ramaj Balley
Vice President
National Retail Lending
Shelly Gremilion
Branch Manager
NMLS 296491
Dale Gremillion
Sr Loan Officer
NMLS 210325
Ryan Collins
Branch Manager

Your Sacramento, CA 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.