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Welcome to GOLDEN STATE MORTGAGE – Sacramento Mortgage Loans
Low Rates. Low Fees. Fast Closings!!

Apply OnlIne in 2 - 3 Minutes

Refinance Today and Save

Today's Mortgage Rates
Popular Sacramento, CA Loans: 30 Year Conventional, FHA, VA and USDA loan options
Conventional Rates

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30 Year Fixed

Low payments that never change

FHA Rates

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30 Year FHA

Stable monthly payment with less money down

VA Rates

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30 Year VA

100% loans to Conforming Jumbo Options available

USDA Rates

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30 Year USDA

100% financing rural properties

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

Why Golden State Mortgage?

Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and closing allows for fast approval and on-time fundings.
California Mortgage Lender with Low Mortgage Rates and Low Fees. FHA, VA, and USDA Approved Lender.
Local California mortgage company and provide top-notch customer support. We will be with you at every step from application to closing.

We Specialize in New Home Purchases

New Home Loan? Let us help!

  • Primary Residence, 2nd Home, Investment
  • Conventional, FHA, VA and USDA Loans
  • Renovation Loan Programs
  • Great Rates, Low Fees

California Mortgage Refinance Experts

Refinance Today & Save!

  • Reduce Monthly Payment
  • Shorten Mortgage Term
  • Cash-out Debt Consolidation
  • Streamline Options Available

California FHA Home Loans

Advantages of FHA Mortgages

  • Great 1st Time Buyers
  • Low Down Payment
  • Easier Credit Qualifying
  • 203K Renovations Loan

California VA Home Loans

Advantages of VA Loans

  • Zero Down, 100% Financing
  • No Monthly Mortgage Insurance
  • No Debt to Income Restrictions
  • Jumbo Option with Down Payment

California Conventional Home Loans

Conventional Loan Advantages

  • Primary, 2nd homes and Investment
  • Up to 97% Financing
  • No Up-front Funding Fees
  • Renovation Loan Programs

California USDA Home Loans

Advantages of USDA Loans

  • 100% Financing Rural Properties
  • Primary Residence Only
  • Closing Costs Can be Rolled In
  • Home Repairs Can be Rolled In

California Jumbo Home Loans

Advantages of Jumbo Mortgages

  • Primary & 2nd Homes
  • 80% Loan to Value
  • Fixed Rate and Arm Options
  • Reserves Required

California Reverse Mortgage

Let your home work for you

  • No Monthly Mortgage Payments
  • Cash-Out Options
  • Money it Tax Free
  • No Credit Score Requirements

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.


Your Sacramento, CA Mortgage Lenders

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.

Why More Californians Choose Us?  It’s Our People!
Call (800)536-8171

Speak to a Live Loan Officer

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