Big Valley Mortgage - Roseville

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Founded in 1990, Big Valley Mortgage is one of the fastest growing full-service mortgage bankers throughout the Sacramento and Central Valley areas, as well as, Reno. Headquartered in Roseville, we established Big Valley Mortgage with one simple goal in mind - to provide local families with the opportunity to purchase a home by helping them secure the best possible loan at the most favorable rate and terms available.

At Big Valley Mortgage, we are passionately committed to serving our customers and real estate partners by delivering honesty, integrity and excellence in all facets of our business. With branch offices located in Roseville, Elk Grove, Folsom, Fresno, Madera, Reno, Sacramento, Selma, Stockton, Chowchilla, Vacaville and Paradise, our purpose is clear – we exist to help our neighbors finance their dreams of homeownership and we do this every day by living and breathing our core values: respect, transparency and being scrappy.

Over the years, we have experienced remarkable growth and we attribute our success to proactively and strategically positioning ourselves for a rapidly changing
real estate market. In fact, Big Valley Mortgage is the #1 “in house” lender in the Greater Sacramento and Central Valley areas! You will find us “on-site” in the offices of Keller Williams, RE/MAX Gold, and Intero.

Today, we are one of the largest and strongest independent mortgage banking firms in the region and the country! (Ranking within the top 15 largest independent mortgage banks in the United States, according to Mortgage Executive Magazine.) Our growth is a direct result of taking care of our employees, real estate agents and customers.


Recommendations (2639)

Jul 11, 2019

Connie Moore recommends Penny McClure

Connie Moore

Penny was the absolute best lender I could imagine working with! She was prompt and always positive and helpful. She was consistently dependable and always quick to respond to my questions. Would definitely recommend her for anyone in the market!
Jul 9, 2019

Margaret Phillips recommends Ray Olsson

Ray Olsson worked hard and long to get a loan for my clients, ( TWO other mortgage brokers were unable to do so.). My clients are happy home owners now,
Jul 9, 2019

Matthew Joachim recommends Monique Miller


Monique was incredible at communicating and getting the job done on such a complex transaction. Would be happy to work with her again.
Jul 7, 2019

Kris and Ramiro Garcia recommend Cynthia Farrell

Transportation Specialist

5 stars is not enough for the the service we received from Cynthia Farrell and her team. She guided us through each step. She answered all my silly questions and gave us a heads up to what the next step was. I'm a planner so her approach was perfect for us. Thanks you so much for helping us buy our home.
Jul 6, 2019

Steven Sancez recommends Penny McClure

Production Manager

We were first time home buyer and Penny was incredible to work with! From our first meeting to the closing of the contract, she didn't miss a beat. She is the perfect mix of personable, knowledgeable and assertive. I was extremely impressed with her ability to keep the process moving while working to educate us on the process. She was always available to answer our questions and treated us like we were family. My wife and I were on vacation the week of the final signing and Penny made the mobile notary process very easy. I'm sure there is a mountain of work needed to secure funding and Penny made the process simple for us to understand and easy for us to execute. Thank you Penny!
Jul 6, 2019

Anne Sanchez recommends Penny McClure

Penny was a pleasure to work with throughout the entire loan process. She was knowledgeable, hard working, patient, and kind. Penny went the extra mile to call the seller's realtor when we put in an offer on our home. This extra effort made the difference that got our offer accepted over several others! We are so thankful to have worked with Penny and will highly recommend her to our friends and family!
Jul 5, 2019

Victoria Craig recommends Willie Willis


Willie made extraordinary efforts, going above and beyond to get the buyers' loan funded and the escrow closed. There were very challenging circumstances but Willie was able to make everything come together.
Jul 5, 2019

Cindy Collis recommends Bill Wolfe

Action Realty Broker/Listing Agt

Bill Wolfe did a Great Job with handling the Buyer's loan. His professionalism & consistent communication throughout the transaction was extremely helpful. Thank You Bill!
Jul 5, 2019

Tonya Keck recommends Hanni Caitham


Hanni got the loan closed and made my clients very happy!
Her can do attitude really made a difference.
Jul 3, 2019

John Koke recommends Krista Wylder


Krista - thank you so much for all your continuous support. I could not say enough good things about working with you, your service and knowledge in particular. I really appreciate you dealing with all my emotional inquires and responses ;) you've been extremely helpful throughout this process. Please feel free to forward this note to your management team as a little thank you from my wife and I.
Jul 3, 2019

Elaine Pappas recommends Jeff Silver

Realtor, CRS, SRES

As the Listing Agent on a recent sale - I really appreciated Jeff's consistent updates and when a potential snag did occur, he knew just how to handle it which was a relief & we still closed on time! These are all the qualities I like & want in a lender for my clients.
Jul 2, 2019

Bill Campbell recommends Gary Davis


It was a great pleasure working with Gary on a recent transaction. We had several hurdles and a few surprises that were easily overcome with Gary's knowledge and professionalism. I would confidently recommend Gary to family, friends and clients knowing he will take great care of everyone.
I look forward to working with him again soon!
Thank you Gary!


Bill Campbell
American Heritage
Real Estate Professionals
Jul 1, 2019

Michaela Golden recommends Dennis Bergstrom


It was a pleasure working with Dennis. He communicated very well keeping me informed on how the loan was going so that I could update my sellers, giving them peace of mind. When an issue did arise regarding pest clearance he worked with me to get it handled and we got the deal closed!
Jul 1, 2019

Brenda Espeseth recommends Kristy Ruhkala

International Purser for United Airlines

Kristy saved our lives!! We needed a plan to get out of debt. and Kristy came up with a refinance that fits our budget with money left at the end of the month!! I’d highly recommend her to anyone who needs more income and tired of working overtime and withdrawing from your 401k to cover bills.
Kristy showed us 3 different directions to take and together we picked out the best with only a 3.75% interest rate! She also told us we could cancel at any time.
Allan and I are so happy we turned to her, she knows her job, and has been in it a long time and her experience is obvious!
Thank You isn’t enough!! She is truly a blessing and I will always turn to her in the future and recommend her to others! She has saved us a LOT of money, worry and stress. Now we can enjoy life. 😊
Jul 1, 2019

Christine Coker recommends Penny McClure

Penny helped us purchase our first home and most recently our forever home. She is kind, compassionate, and works so hard to get the job done. I couldn’t imagine having gone through the process with anyone else.
Jun 28, 2019

Jeff Graybill recommends Jeff Olson


Jeff Olson came highly recommended from our Realtor, and we were most impressed with his diligence and communication skills. I am quite detail oriented, asking questions about the process, or the documentation, at every stage. Jeff was always available to answer our questions, no matter the time of day or day of the week that I would text, call, or email. He certainly went above and beyond to guide us through the process, including offering various loan scenarios that might fit our short-term and long-term goals.
Jun 27, 2019

Michelle Moroni recommends Monique Miller


Monique is on top of everything and made our (short) closing go so smooth! Very friendly and went above and beyond, even while on vacation!
Jun 24, 2019

Anthony Plescia recommends Jim Crawford

Health Program Manager

Jim has helped us twice now with our refinance needs, and he always provides exemplary service and superior knowledge of the process. I would recommend him to anyone for their home loan needs.
Jun 24, 2019

Mason White recommends Ray Olsson

Casino Guy

Ray and Laurie really went to bat for us on our home refinance which had some real challenges. Everything worked out great. Thanks so much for all your hard work!
Jun 22, 2019

ALLAN MCPHERSON recommends Penny McClure

Penny did a great job, absolutely I would recommend.
Jun 21, 2019

Rebecca Green recommends Ray Olsson

My family and I are first time buyers with a complicated buying situation. Ray and Laurie worked tirelessly and with so much determination and passion to help us get the home of our dreams. I know that without them we would have never made it!!! They truly work miracles!!! Thank you!!!
Jun 21, 2019

Rebecca Green recommends Ray Olsson

My family and I are first time buyers and needed a lot of help. Ray and Laurie have worked tirelessly to help us gather and submit all our information including quite a few late night chats. Well today our dream of owning home came true. I am ceryain that had it not been for their determination and passion it never would have happend. Thank you for all your amazing work guys!!!
Jun 21, 2019

Sue Kirby recommends Penny McClure


Penny always does a fantastic job!
Jun 20, 2019

Matt Brauch recommends Rob Popham

HS Teacher

Rob handled our refinancing and the process could not have been less stressful. He was always available to answer any questions and he was proactive in letting us know what to expect through the process. Rob was upfront about cost. This was a great experience considering it was finance.
Jun 19, 2019

Kevin Prokosch recommends Dennis Bergstrom


Dennis’ commitment to communicate effectively is just as strong as his willingness to succeed. His knowledge in the this industry is demonstrated with every conversation and he brings a level of care that is exceptional. Thank you Dennis


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