About City Center Financial
City Center Financial is a Sacramento-based mortgage brokerage built for California Homebuyers, Homeowners, and Real Estate Investors who want clearer Options.
We shop wholesale lenders for Purchase Loans, Refinance solutions, and Investor financing—so your rate, structure, and timeline are matched to your file, not a one-size product menu.
A Local Brokerage with Statewide Reach.
City Center Financial operates as an independent California mortgage broker. That means we are not locked into one lender’s rates or guidelines. When you apply, your scenario can be compared across multiple wholesale partners—purchase, refinance, jumbo, FHA, VA, and investor DSCR/bridge programs.
Our office is in Sacramento. We serve clients throughout the Greater Sacramento area and across California who want direct communication, transparent numbers, and a process that actually closes.
Pre-Approvals and Purchase Financing structured for competitive California offers—FHA, VA, conventional, and jumbo.
Rate-and-Term and Equity Access Options with clear break-even math before you commit.
Financing focused on property cash flow and speed for California landlords and value-add deals.
Wholesale Access. Hands-on Process.
The value of a brokerage is simple: more options, clearer communication, and a structure built around your situation—not the other way around.
Buy, Refinance, Cash-Out, or Invest—timeline, budget, and what “success” looks like for you.
Credit, Income, Assets, Property Type, and Occupancy—so recommendations are realistic from day one.
Compare programs for rate, fees, credits, and underwriting fit—not a single in-house menu.
Same team stays on the file through conditions, appraisal, and funding.
California Clients With Real Financing Goals
First-time and move-up buyers in Sacramento, Roseville, Elk Grove, Folsom, and competitive markets statewide who need a pre-approval sellers take seriously.
California homeowners looking to lower payments, shorten terms, or access equity through a structured refinance—not a pressure pitch.
Landlords and operators who need DSCR or bridge capital based on property cash flow and deal timing.
Licensed. Local. Accountable.
City Center Financial is led by Samuel S. Heng, NMLS #353383, a licensed California mortgage broker (DRE #01837543). Samuel works files directly—so clients get clear numbers, wholesale options, and one person accountable from first conversation through funding.
City Center Financial
3626 Fair Oaks Blvd, Suite 100
Sacramento, CA 95864
Equal Housing Opportunity. City Center Financial is a California mortgage broker, not a lender. All loans subject to credit approval and property eligibility. Originating broker: Samuel S. Heng, NMLS #353383.
Ready To Work With City Center Financial?
Start an application or reach out directly. We’ll help you find a clear path on a California purchase, refinance, or investor loan.