Unlock Lower Rates. Skip the Bank Runaround.
Why settle for a single bank's strict rules and higher interest rates? As an independent Sacramento broker, City Center Financial (Company NMLS #312494) shops over 20+ wholesale lenders behind the scenes to custom-build the absolute best home loan or refinance for your life—saving you thousands.
Serving homebuyers, homeowners, and real estate investors throughout the Greater Sacramento area and across California with transparent, expert guidance.
Custom Loan Solutions Powered by 20+ Lenders.
Traditional retail banks only sell their own products. As your independent Sacramento wholesale broker, City Center Financial compares top lenders behind the scenes to secure lower rates, lower fees, and a smoother approval process.
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Your Path to Loan Funding
Walk each stage of a Sacramento purchase, refinance, or DSCR loan — from application to keys.
Step 1: Loan Application & Pre-Approval
Loan Application & Pre-Approval
Submit your loan application online in minutes. A soft credit check is performed and required income/asset records are collected to issue a formal Pre-Approval Letter.
Stage Task Checklist
See How Much You Could Save
Use this tool to preview your estimated principal-and-interest payment. For a precise rate comparison tailored to your exact credit and financial profile, talk directly with Samuel S. Heng, NMLS #353383.
This calculator provides estimates for educational purposes only and is not a commitment to lend, a loan approval, or a guarantee of any specific rate, payment, or terms. Actual rates and payments depend on credit approval, property details, and current market conditions. City Center Financial is a mortgage broker, not a lender. Samuel S. Heng, NMLS #353383 · Company NMLS #312494 · 3626 Fair Oaks Blvd, Suite 100, Sacramento, CA 95864 · Equal Housing Opportunity.
Why Shopping 20+ Lenders Beats Going Direct to a Bank.
Retail banks are restricted to selling their own corporate loan products, often locking you into higher rates and hidden fees. As an independent broker, City Center Financial puts you in the driver's seat by competing multiple wholesale lenders against each other for your business — no call centers, no hidden surprises, just Samuel S. Heng, NMLS #353383, handling your file personally from day one to closing.
Sacramento, CA 95864