Your Sacramento
Mortgage Broker.
Buying, refinancing, or investing in Sacramento? We shop 30+ wholesale lenders to find your best rate and program — with concierge guidance from first call to closing.
Home loans built for Sacramento.
Sacramento is the heart of the region — historic neighborhoods, a booming Midtown, and everything from first condos to riverfront estates.
As an independent brokerage, we’re not tied to one bank’s rate sheet. We compare offers from dozens of lenders to match Sacramento buyers and homeowners with the right loan — conventional, FHA, VA, jumbo, DSCR, and more. Popular areas we serve include East Sacramento, Land Park, Natomas, Midtown & Pocket.
Book a Sacramento ConsultationCommon questions.
Yes — we work with buyers, homeowners, and investors throughout Sacramento and the surrounding Greater Sacramento area, including East Sacramento, Land Park, Natomas, Midtown & Pocket. Everything can be handled online, by phone, or in person at our Sacramento office.
It depends on the program. FHA starts at 3.5% down and conventional at 3%, while VA offers 0% down for eligible veterans. With a $565K median price, we’ll map an exact number for your situation — try our affordability and down-payment calculators to start.
No — Dream Real Estate & Mortgage is a licensed mortgage brokerage. We arrange your loan through third-party wholesale lenders, which lets us compare many offers and find Sacramento clients a better fit than a single bank.
Ready to buy or refinance in Sacramento?
Get pre-approved in minutes or book a free consultation with Qasim Barikzai.