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BEST RATED MODESTO, CA MORTGAGE COMPANIES

3 Best Mortgage Companies in Modesto, CA

Expert-recommended Top 3 Mortgage Companies in Modesto, California. All of our mortgage companies actually face a rigorous 50-Point Inspection, which includes customer reviews, history, complaints, ratings, satisfaction, trust, cost and general excellence. You deserve only the best!

Next Gen Home Loans - Modesto, CA Mortgage Companies
Best Mortgage Companies in Modesto CA - Next Gen Home Loans video
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NEXT GEN HOME LOANS

(4.8 Score)
909 15th Street, Suite 1,
Modesto, CA 95354 Directions

Since 2022

Specialty:

✓ Fixed Rate Mortgage ✓ FHA Loan ✓ VA Loan ✓ Rehab Loan ✓ USDA Loan ✓ Jumbo Loan ✓ First Time Home Buyer ✓ Low Down Payment Options ✓ Investment Property ✓ Bridge Home Loan ✓ DSCR Home Loan ✓ Construction Home Loan ✓ HELOC Home Loan ✓ Reverse Mortgage ✓ Refinance ✓ Cash-Out Refinance ✓ Bank Statement Program ✓ Fix and Flip Home Loan ✓ Seller-Paid Buydown ✓ VA Loan Refinance

"Next Gen Home Loans offers a variety of loan programs tailored to meet your needs. Whether you're buying your first home, refinancing, or investing, they will help you find the best financing solution. Their team of experienced mortgage experts provides real-time guidance and support, ensuring you are empowered to make confident decisions throughout the mortgage process. They are dedicated to empowering individuals and families to achieve their dream of owning a home. Next Gen Home Loans' personalized approach and expert guidance ensure a seamless mortgage journey for you. From fixed-rate to adjustable-rate mortgages, they offer a range of options to suit your financial goals and circumstances.

2026 Update: Andy Zamora is the CEO of the company. The team is 100% customer focused. Contact them to get a quote and free consultation."

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License #2280945

Contact:

(800) 544-8538 (209) 497-8649

Mon-Fri: 8am - 8pm
Sat & Sun: Closed

TBR® Inspection Report:

Lovepreet Kaur - Modesto, CA Mortgage Companies
Lovepreet Kaur - Modesto, CA Mortgage Companies
Lovepreet Kaur - Modesto, CA Mortgage Companies
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LOVEPREET KAUR

(4.8 Score)
LENDING ASSETS 1356 Mitchell Road, Suite B,
Modesto, CA 95351 Directions

Since 2016

Specialty:

✓ Purchase ✓ Refinance ✓ Fixed Rate ✓ Adjustable-Rate Mortgages ✓ Interest Only ✓ Interest Only Mortgages ✓ Graduated Payments ✓ FHA Home Loan ✓ VA Loans ✓ USDA Loans ✓ Jumbo Loans

“2026 Update: Lovepreet Kaur is the Mortgage Broker of Lending Assets. She provides you with a clear idea of the whole process and keeps up the commitment. The team's mission is to serve their customers with honesty, integrity, and competence. They have one goal to provide the best home loan products to their clients while providing them with the lowest interest rates and closing costs possible. They are home loan experts dedicated to ensuring your home purchase or refinance experience is top-notch. They pledge to help borrowers overcome roadblocks that can arise while securing a loan. They have been helping customers afford the home of their dreams for many years. They are also licensed in Texas. Contact them to make an appointment.”

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License #1886062

Contact:

(800) 408-9047 (209) 494-5511

Mon-Fri: 9am - 6pm
Sat & Sun: Closed

TBR® Inspection Report:

NorCal Mortgage - Modesto, CA Mortgage Companies
NorCal Mortgage - Modesto, CA Mortgage Companies
Best Mortgage Companies in Modesto CA - NorCal Mortgage video
7+ YEARS IN TBR
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NORCAL MORTGAGE

(4.7 Score)
931 10th Street, Suite #169,
Modesto, CA 95354 Directions

Since 2007

Specialty:

✓ Fixed Rate Mortgage ✓ FHA Loan ✓ VA Loan ✓ Rehab Loan ✓ USDA Loan ✓ Jumbo Loan ✓ First Time Home Buyer ✓ Low Down Payment Options ✓ Investment Property ✓ Bank Statement Program ✓ Bridge Home Loan ✓ Construction Home Loan ✓ DSCR Home Loan ✓ Fix and Flip Home Loan ✓ HELOC Home Loan ✓ Reverse Mortgage ✓ Seller-Paid Buydown ✓ Refinance ✓ Cash-Out Refinance ✓ VA Loan Refinance

"NorCal Mortgage is a locally-owned mortgage company that has been providing the highest quality mortgage products at the lowest rates for 19 years. Their team of mortgage professionals is dedicated to helping clients achieve their dream of homeownership by delivering exceptional mortgage services that go above and beyond expectations. They take a creative approach to finding the best mortgage solutions for each client based on their individual needs. Whether you prefer to communicate by phone, fax, or email, their mortgage professionals are always available to provide personalized service and expert advice. Clients can even obtain a free rate quote. With an experienced team of brokers, NorCal Mortgage is well-equipped to meet clients' needs and exceed their expectations.

2026 Update: As a full-service independent mortgage broker, they offer their clients access to the lowest wholesale mortgage rates available. They have built strong relationships with top lenders across the country. Contact them to get a free consultation."

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License #1629802

Contact:

(800) 579-3768

Mon-Fri: 7am - 7pm
Sat: 8am - 5pm
Sun: Closed

TBR® Inspection Report:

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NEXT GEN HOME LOANS REVIEWS

I want to thank Aaron for their incredible dedication and effort in helping me secure a loan, especially since my case was not an easy one. From the beginning, they demonstrated professionalism, patience, and a strong commitment to finding the best solution for me. This was their first deal, and I must say they did an exceptional job. Despite the challenges, Aaron stayed focused, communicative, and always willing to explain every step of the process. Their attention to detail and persistence made all the difference, and I am so grateful to have worked with someone so dedicated. If you’re looking for someone reliable, professional, and who truly goes the extra mile for their clients, I highly recommend Aaron Gonzalez. Gracias otra vez por el apoyo que nos ofreciste. Para su conveniencia el habla español.

I would like to thank you Art Hernandez and the whole team at NEXTGENHOMELOANS for all the assistance and effort to get this mortgage approved at a lower rate. Art Hernandez is well informed, meticulous, and was very patient with all of my questions. He walked me through every step so I understood 100% of every line on the mortgage. He was very upfront and clear. You are in good hands with Art. I sincerely appreciate him and I am truly happy that I worked with him. I will keep doing business with him and his team.

We are incredibly grateful to this amazing group of mindful and supportive individuals who played a crucial role in helping our family secure our second home. Their dedication and assistance made the entire process not just easier, but truly enjoyable!

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LOVEPREET KAUR REVIEWS

We had a great experience working with karandeep and Gurpinder. They helped us alot in the whole process of buying our first home. They answered the questions efficiently Gurpinder was on call with us for almost an hour while explaining the whole process . Karandeep also answered our calls timely and quickly.Without their help it was not possible to be the owner of this house . We never expected that we can buy the house but these guys made it true. Our deal was almost canceled but with there hardwork and support we bought the house Thank you so much for your guidance. I would recommend their services everyone looking to buy their new house.

I really like this home and I like the way how this happened really fast. I got the keys within 1 week. Fast and good service from this company really appreciating. We hope this company goes up and gets successful. Thank you! Really like it.

I had a fantastic experience working with Lovepreet and her team. She was very knowledgeable, responsive, and made the mortgage process smooth and stress free. I highly recommend for anyone looking for a mortgage!

NORCAL MORTGAGE REVIEWS

First and foremost.., grateful for Chris Salas as I am a newby in this loan process … Chris took the time and patience to help me understand all my options .. my interest rate and he gave me hope when I thought there was none .. the process was long due to the seller but we stuck it out … and I’m forever grateful for all his help. Professional and detailed. I always felt I could ask him and get the answers I needed.

Chris Salas was very helpful in obtaining a loan for refinancing my house. I thought it was going to be very difficult but it went smooth sailing. I highly recommend Chris. I'm aware of the mortgage lingo but Chris provided videos for my hubby to understand the process. Excellent customer service! Mahalo Chris for your help!

Best mortgage firm I could've wished for. As a first time buyer, Chris really took care of me and gave me that sense of peace you would hope for. Straight forward guy, well spoken, alot of respect for his clients. Would recommend to any first time buyers 10/10 or recurring ones for that matter. I know who I'm using for the future.

TBR® Inspection Score Report

NEXT GEN HOME LOANS Total Inspection Points: 115/120
Acknowledgments: 9
Complete Info: 9
Current Evaluation: 9
Review Analysis: 9
Reviews Study: 9
Contact Info: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Reviews Accuracy of : 10
Website Source: 10
Website Standard: 10

TBR® Inspection Score Report

LOVEPREET KAUR Total Inspection Points: 114/120
Acknowledgments: 9
Business Images: 9
Complete Info: 9
Current Evaluation: 9
Review Analysis: 9
Reviews Study: 9
Contact Info: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Reviews Accuracy of : 10
Website Standard: 10

TBR® Inspection Score Report

NORCAL MORTGAGE Total Inspection Points: 112/120
Acknowledgments: 8
Business Images: 8
Complete Info: 9
Current Evaluation: 9
Review Analysis: 9
Reviews Study: 9
Contact Info: 10
Exact Services: 10
Legitimate Ratings: 10
Location Proximity: 10
Reviews Accuracy of : 10
Website Standard: 10