Big Valley Mortgage

Big Valley Mortgage Founded in 1990, Big Valley Mortgage is one of the fastest growing full-service mortgage bankers in the Sacramento area. Vice President and leader of BVM.

We provide a large array of services from first-time home purchases to investment properties. Big Valley Mortgage is the Sacramento and San Joaquin Valley regionโ€™s premier mortgage banker. Since 1990, from its early beginnings in Roseville CA, Big Valley Mortgage and its parent, American Pacific Mortgage, have grown to become one of the largest independent mortgage banking operations in the countr

y, serving 49 states. By carefully navigating through challenging economic environments and by providing service platforms that deliver results for Agents and their home buyers, Big Valley Mortgage is the organization of choice for the regionsโ€™ leading service providers. Big Valley loan originators have the option of funding their loans through its expansive in-house mortgage banking platform, with the added flexibility of brokering loans when unique products or pricing exceptions are needed. Within the banking platform, Big Valley offers in-house underwriting, funding, and closing capabilities for most of the common FHA, VA, Jumbo, and Conventional products, at competitive rates and terms. More than 90% of Big Valleyโ€™s transaction volume is funded through this in-house mortgage banking channel, giving home buyers and agents predictable and consistent results. With over 35 years of experience, Buzz Howard serves as the Sr. Together with the Branch Managers in each location, they strive to provide the most competitive as well as a supportive platform available in the market. Original principals Kurt Reisig and Dave Mack, who founded Big Valley Mortgage in 1990, actively involve themselves in strategic planning and direction, while spending most of their time managing American Pacific Mortgageโ€™s national mortgage banking platform. AZ BK 0906702

Regulated by the Colorado Division of Real Estate

Licensed under the Oregon Consumer Finance Act

NV MB 2941

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV

Licensed in AZ, CA, CO, FL, ID, MT, NM, NV, OR, TN, TX, WA


Licensed by the Dept. of Financial Innovation and Protection under the CRMLA
NMLS 1850 | AZ Corp BK 0906702

๐’๐ž๐ฉ๐ญ๐ž๐ฆ๐›๐ž๐ซ ๐ข๐ฌ ๐ก๐ž๐ซ๐ž ๐š๐ง๐ ๐ฐ๐ž ๐š๐ซ๐ž ๐ค๐ข๐œ๐ค๐ข๐ง๐  ๐ข๐ญ ๐จ๐Ÿ๐Ÿ ๐ฐ๐ข๐ญ๐ก ๐š ๐›๐ข๐  ๐จ๐ง๐ž.This month we are going behind the scenes, celebrating 8 team...
09/01/2026

๐’๐ž๐ฉ๐ญ๐ž๐ฆ๐›๐ž๐ซ ๐ข๐ฌ ๐ก๐ž๐ซ๐ž ๐š๐ง๐ ๐ฐ๐ž ๐š๐ซ๐ž ๐ค๐ข๐œ๐ค๐ข๐ง๐  ๐ข๐ญ ๐จ๐Ÿ๐Ÿ ๐ฐ๐ข๐ญ๐ก ๐š ๐›๐ข๐  ๐จ๐ง๐ž.

This month we are going behind the scenes, celebrating 8 team birthdays and cheering on 6 work anniversaries. Eight birthdays in one month. This team does not do anything small.

And if you are local to Roseville, a lot is happening this September worth getting out for. Swipe through for our favorites.

๐Ÿ“ž (916) 960-1325

08/28/2026

Welcome back to a lonely edition of Two Mortgage Guys ๐Ÿฅฒ This week Buzz is sharing the latest on AI tools that are helping our Loan Officers close loans faster here at Big Valley Mortgage. And of course, it wouldnโ€™t be a Two Mortgage Guys if we didnโ€™t touch on the rates. We may be ending the week with higher rates than we started with, but weโ€™re optimistic that weโ€™ll start to see better rates over the next few weeks. Stick with us and tune back in next week to see if weโ€™re right!

08/28/2026

๐“๐ก๐ž๐ซ๐ž ๐š๐ซ๐ž ๐ญ๐ฐ๐จ ๐ญ๐ฒ๐ฉ๐ž๐ฌ ๐จ๐Ÿ ๐›๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐ซ๐ข๐ ๐ก๐ญ ๐ง๐จ๐ฐ. ๐–๐ก๐ข๐œ๐ก ๐จ๐ง๐ž ๐š๐ซ๐ž ๐ฒ๐จ๐ฎ?

The first buyer is waiting. Waiting for rates to drop a little more. Waiting to save a little more. Waiting for the market to feel less uncertain. Meanwhile, the months keep passing, and nothing changes except the price of the homes they have been watching.

The second buyer is actively shopping. They got pre-approved. They know their budget. They have a strategy. And when the right home hits the market, they are ready to move the same day.

Here is the hard truth. The waiting buyer almost always ends up paying more. Home prices do not pause while you get comfortable. And every month you sit on the sidelines is another month of building equity for your landlord instead of yourself.

You do not need perfect conditions to buy. You need a clear plan and the right team in your corner.

That is exactly what we provide. One conversation with us, and you will know exactly where you stand, what you qualify for, and what your next step looks like.

Stop waiting. Start moving.

๐Ÿ“ž (916) 960-1325

๐˜๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ ๐ข๐ฌ ๐ง๐จ๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐ก๐ž ๐ซ๐š๐ญ๐ž.A lot of buyers fixate on the interest rate and miss the bigger picture...
08/26/2026

๐˜๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ ๐ข๐ฌ ๐ง๐จ๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐ก๐ž ๐ซ๐š๐ญ๐ž.

A lot of buyers fixate on the interest rate and miss the bigger picture. Your actual monthly payment is shaped by a combination of things working together.

Your interest rate. How much you put down. The loan type you qualify for. Your credit score. Property taxes in your area. Homeowners' insurance. And if you are buying a condo or in an HOA community, those fees factor in too.

Understanding all of these before you start shopping means no surprises when the numbers hit the page. That is exactly the kind of clarity we bring to every conversation.

๐Ÿ“ž (916) 960-1325

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐š ๐ฅ๐จ๐š๐ง ๐จ๐Ÿ๐Ÿ๐ข๐œ๐ž๐ซ ๐ฐ๐ก๐จ ๐ฐ๐š๐ง๐ญ๐ฌ ๐ญ๐จ ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ ๐ซ๐จ๐ฐ, ๐ญ๐ก๐ข๐ฌ ๐จ๐ง๐ž ๐ข๐ฌ ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ.Smart automation that keeps your process movin...
08/24/2026

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐š ๐ฅ๐จ๐š๐ง ๐จ๐Ÿ๐Ÿ๐ข๐œ๐ž๐ซ ๐ฐ๐ก๐จ ๐ฐ๐š๐ง๐ญ๐ฌ ๐ญ๐จ ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ ๐ซ๐จ๐ฐ, ๐ญ๐ก๐ข๐ฌ ๐จ๐ง๐ž ๐ข๐ฌ ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ.

Smart automation that keeps your process moving. In-house marketing support to build your personal brand through video, social media, and podcasting. Client appreciation tools and the Give Value Program to deepen every relationship you build. And a team that has been investing in loan officers and their communities for over 35 years.

This is what it looks like when a company actually puts its people first.

Reach out and let's have a conversation about what a future at ๐๐ข๐  ๐•๐š๐ฅ๐ฅ๐ž๐ฒ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž could look like for you.

๐Ÿ“ž (916) 960-1325

08/21/2026

This week on the Two Mortgage guys weโ€™re covering the rebrand of our sister show, The Key Hour, some recent conversations with Ricky Oโ€™Neal and how weโ€™re learning about leading with curiosity, plus the latest on the market, Iran, oil, and where rates are heading. Weโ€™re wrapping up the week with rates slightly higher than where we started, but make sure to tune in next week to see where we land!

08/21/2026

๐˜๐จ๐ฎ๐ซ ๐ญ๐ž๐œ๐ก ๐ฌ๐ก๐จ๐ฎ๐ฅ๐ ๐ฆ๐š๐ค๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ฃ๐จ๐› ๐ž๐š๐ฌ๐ข๐ž๐ซ. ๐๐จ๐ญ ๐ฆ๐จ๐ซ๐ž ๐Ÿ๐ซ๐ฎ๐ฌ๐ญ๐ซ๐š๐ญ๐ข๐ง๐ .

If you are manually following up on every lead, piecing together your own marketing, and fighting a slow processing system every day, you are leaving productivity on the table.

At ๐๐ข๐  ๐•๐š๐ฅ๐ฅ๐ž๐ฒ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž, we have built a technology stack that automates loan processing and marketing so our loan officers can do what they do best: show up for their clients and build relationships that actually last.

Come see what a difference the right infrastructure makes.

๐Ÿ“ž (916) 960-1325

๐’๐š๐ฏ๐ž ๐ญ๐ก๐ข๐ฌ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐ญ๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐š๐›๐จ๐ฎ๐ญ ๐›๐ฎ๐ฒ๐ข๐ง๐  ๐š ๐ก๐จ๐ฆ๐ž.Check your credit before someone else does. Save your documentation so...
08/19/2026

๐’๐š๐ฏ๐ž ๐ญ๐ก๐ข๐ฌ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐ญ๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐š๐›๐จ๐ฎ๐ญ ๐›๐ฎ๐ฒ๐ข๐ง๐  ๐š ๐ก๐จ๐ฆ๐ž.

Check your credit before someone else does. Save your documentation so you are not hunting for it at the worst time. Avoid new debt because your ratios matter more than you think. Know your actual budget, not just what you hope it is. And get pre-approved first so you are a serious buyer from day one.

Do these five things, and you are already ahead of most buyers in this market.

๐Ÿ“ž (916) 960-1325

๐“๐ก๐ž ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐›๐ž๐ญ๐ฐ๐ž๐ž๐ง ๐š๐ฏ๐ž๐ซ๐š๐ ๐ž ๐š๐ง๐ ๐ญ๐จ๐ฉ-๐ฉ๐ซ๐จ๐๐ฎ๐œ๐ข๐ง๐  ๐ข๐ฌ ๐ง๐จ๐ญ ๐ญ๐š๐ฅ๐ž๐ง๐ญ. ๐ˆ๐ญ ๐ข๐ฌ ๐ก๐š๐›๐ข๐ญ๐ฌ.The best loan officers follow up fast becau...
08/17/2026

๐“๐ก๐ž ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐›๐ž๐ญ๐ฐ๐ž๐ž๐ง ๐š๐ฏ๐ž๐ซ๐š๐ ๐ž ๐š๐ง๐ ๐ญ๐จ๐ฉ-๐ฉ๐ซ๐จ๐๐ฎ๐œ๐ข๐ง๐  ๐ข๐ฌ ๐ง๐จ๐ญ ๐ญ๐š๐ฅ๐ž๐ง๐ญ. ๐ˆ๐ญ ๐ข๐ฌ ๐ก๐š๐›๐ข๐ญ๐ฌ.

The best loan officers follow up fast because speed builds trust. They educate first because an informed client is a confident client. They invest in referral partnerships because relationships outlast any single transaction. They stay consistent even when the market gets slow. And they never stop learning because this industry rewards the ones who stay sharp.

None of this is complicated. But it takes showing up the same way every single day.

That is the standard we hold ourselves to at ๐๐ข๐  ๐•๐š๐ฅ๐ฅ๐ž๐ฒ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž.

๐Ÿ“ž (916) 960-1325

08/14/2026

๐–๐ก๐ฒ ๐๐จ๐ž๐ฌ ๐ž๐ฏ๐ž๐ซ๐ฒ๐ญ๐ก๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐ซ๐ž๐š๐ ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐ก๐ž ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐œ๐จ๐ง๐ญ๐ซ๐š๐๐ข๐œ๐ญ ๐ข๐ญ๐ฌ๐ž๐ฅ๐Ÿ?

๐๐ฎ๐ณ๐ณ ๐‡๐จ๐ฐ๐š๐ซ๐ puts it really well. At the top or the bottom of any market, you are going to get a flood of conflicting information. Good news one day. Bad news the next. Up, down, up, down.

That is not a sign that something is broken. That is actually what a market in transition looks like. It is trying to figure out where it wants to go.

So, if the headlines are making your head spin right now, you are not missing something. Everyone is navigating the same noise.

The best thing you can do in the middle of all of it is work with someone who helps you cut through the confusion and focus on what actually matters for your specific situation.

That is what we are here for.

๐Ÿ“ž (916) 960-1325

Address

3000 Lava Ridge Court Ste 220
Roseville, CA
95661

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+19169601325

Website

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