Big Valley Mortgage

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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 country, 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

10/16/2026

Are interest rates making you nervous? This week on Two Mortgage Guys, weโ€™re talking about market volatility, the great surrounding AI, and why weโ€™re seeing some positive movement in mortgage rates for the second week in a row.
In an uncertain market, weโ€™re finding confidence in strong systems, efficiency, and technology. And when it comes to buying a home, thereโ€™s still some fantastic programs available to help you get started.
Donโ€™t let the headlines scare you away from your goals. Homeownership remains one of the best avenues for building long-term wealth, and weโ€™re here to help you figure out what makes sense for you.
Tune in and weโ€™ll see you next week!

๐’๐ญ๐จ๐ฉ ๐ญ๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐ง๐ž๐ž๐ ๐Ÿ๐ŸŽ% ๐๐จ๐ฐ๐ง. ๐˜๐จ๐ฎ ๐ฉ๐ซ๐จ๐›๐š๐›๐ฅ๐ฒ ๐๐จ๐ง'๐ญ.Most buyers assume they need a huge down payment saved before they c...
10/16/2026

๐’๐ญ๐จ๐ฉ ๐ญ๐ก๐ข๐ง๐ค๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐ง๐ž๐ž๐ ๐Ÿ๐ŸŽ% ๐๐จ๐ฐ๐ง. ๐˜๐จ๐ฎ ๐ฉ๐ซ๐จ๐›๐š๐›๐ฅ๐ฒ ๐๐จ๐ง'๐ญ.

Most buyers assume they need a huge down payment saved before they can even think about buying. That assumption is costing them months and sometimes years of homeownership they could have had sooner.

Swipe through for three financing paths that open the door without draining your savings and one big secret that could make you eligible for first-time homebuyer benefits even if you have owned before.

The path to your home exists. You just need someone to help you find it.

๐Ÿ“ž (916) 960-1325

๐‘๐’๐•๐ ๐ข๐ฌ ๐จ๐ฉ๐ž๐ง ๐š๐ง๐ ๐ฌ๐ž๐š๐ญ๐ฌ ๐š๐ซ๐ž ๐ ๐จ๐ข๐ง๐  ๐Ÿ๐š๐ฌ๐ญ.We are gathering with our BVM family for a free showing of ๐“๐ก๐ž ๐๐ข๐ ๐ก๐ญ๐ฆ๐š๐ซ๐ž ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐‚๐ก...
10/15/2026

๐‘๐’๐•๐ ๐ข๐ฌ ๐จ๐ฉ๐ž๐ง ๐š๐ง๐ ๐ฌ๐ž๐š๐ญ๐ฌ ๐š๐ซ๐ž ๐ ๐จ๐ข๐ง๐  ๐Ÿ๐š๐ฌ๐ญ.

We are gathering with our BVM family for a free showing of ๐“๐ก๐ž ๐๐ข๐ ๐ก๐ญ๐ฆ๐š๐ซ๐ž ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐‚๐ก๐ซ๐ข๐ฌ๐ญ๐ฆ๐š๐ฌ at Cinemark at the Galleria. Popcorn and a soft drink on us. All you have to do is show up.

If you have been meaning to grab your spot, do not wait much longer. Tickets are limited, and we want to make sure you are there.

๐ŸŽƒ Thursday, October 22nd | 6PM
๐Ÿ“ Cinemark at the Galleria

Scan the QR code to RSVP now.

๐Ÿ“ž (916) 960-1325

10/14/2026

๐‘๐š๐ญ๐ž๐ฌ ๐ฐ๐ž๐ง๐ญ ๐ฎ๐ฉ. ๐๐ซ๐ข๐œ๐ž๐ฌ ๐ฐ๐ž๐ง๐ญ ๐ฎ๐ฉ. ๐‡๐จ๐ฐ ๐๐จ๐ž๐ฌ ๐ญ๐ก๐š๐ญ ๐ž๐ฏ๐ž๐ง ๐ก๐š๐ฉ๐ฉ๐ž๐ง?

๐‰๐ž๐Ÿ๐Ÿ ๐’๐ข๐ฅ๐ฏ๐ž๐ซ breaks it down simply. Nobody who locked in a rate under 3% is giving that up to move. So fewer homes hit the market. But first-time buyers still need homes. People are still moving into town. Demand does not stop just because supply does.

So what happens when demand stays strong and supply shrinks? Prices go up. Even when rates are high. Which is exactly what we saw, and it is not what the textbooks usually predict.

Normally, higher rates cool prices. But these last few years have been anything but normal.

Understanding why the market behaves the way it does helps you make smarter decisions about when and how to buy. That is the kind of conversation we have with every client.

๐Ÿ“ž (916) 960-1325

10/12/2026

๐“๐ก๐ž๐ฒ ๐ฌ๐š๐ข๐ ๐ข๐ญ ๐๐ฎ๐ซ๐ข๐ง๐  ๐ซ๐ž๐œ๐ซ๐ฎ๐ข๐ญ๐ข๐ง๐ . ๐“๐ก๐ž๐ง ๐ฒ๐จ๐ฎ ๐ฌ๐ข๐ ๐ง๐ž๐. ๐€๐ง๐ ๐ง๐จ๐ญ๐ก๐ข๐ง๐  ๐œ๐ก๐š๐ง๐ ๐ž๐.

It happens more than people talk about in this industry. The pitch sounds great. Strong support. Better marketing. Real leadership. A culture where you can actually grow.

Then you get in and realize the support is a shared inbox. The marketing is a template nobody customizes. And leadership is a quarterly call you did not really need.

You are not asking for too much. You are just in the wrong place.

Drop a comment below. What is the number one thing your brokerage promised that has not shown up this year? We read every response, and it helps us understand what loan officers actually need.

And if you are ready to be somewhere that delivers on what it says, we would love to talk.

๐Ÿ“ž (916) 960-1325

10/10/2026

The Two Mortgage Guys are back! Did you miss us? This week Buzz and Justin are talking about BVMโ€™s recent Exactly What to Say seminar, hosted by Ricky O'Neal and co-sponsored by Cara Ryan
They also get into the rates, Iran, oil, and our upcoming elections! Are you registered to vote?
Now that weโ€™re in Q4 itโ€™s time to start looking forward to 2027. Weโ€™re hoping for stabilized rates in the last few months. At the very least, weโ€™re ending this week with better rates than we stated with. Have a great weekend!

๐€ ๐ฌ๐ฆ๐š๐ฅ๐ฅ ๐ซ๐š๐ญ๐ž ๐œ๐ก๐š๐ง๐ ๐ž ๐œ๐š๐ง ๐ฆ๐ž๐š๐ง ๐š ๐›๐ข๐  ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐ข๐ง ๐ฐ๐ก๐š๐ญ ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐š๐Ÿ๐Ÿ๐จ๐ซ๐.Most buyers focus on the rate itself witho...
10/09/2026

๐€ ๐ฌ๐ฆ๐š๐ฅ๐ฅ ๐ซ๐š๐ญ๐ž ๐œ๐ก๐š๐ง๐ ๐ž ๐œ๐š๐ง ๐ฆ๐ž๐š๐ง ๐š ๐›๐ข๐  ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐ข๐ง ๐ฐ๐ก๐š๐ญ ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐š๐Ÿ๐Ÿ๐จ๐ซ๐.

Most buyers focus on the rate itself without realizing how much it shifts their buying power. Even a half percent change can add or remove tens of thousands of dollars from your price range.

When rates drop, you can afford more home for the same monthly payment. When rates rise, that same payment buys you less.

Understanding this before you start shopping means you set realistic expectations and make smarter decisions from day one.

Want to know exactly what your buying power looks like right now? Let's run the numbers together.

๐Ÿ“ž (916) 960-1325

๐ŸŽƒ ๐Œ๐จ๐ฏ๐ข๐ž ๐ง๐ข๐ ๐ก๐ญ ๐ข๐ฌ ๐จ๐ง ๐ฎ๐ฌ!What better way to celebrate our clients than with a night at the movies? Weโ€™re inviting you and ...
10/08/2026

๐ŸŽƒ ๐Œ๐จ๐ฏ๐ข๐ž ๐ง๐ข๐ ๐ก๐ญ ๐ข๐ฌ ๐จ๐ง ๐ฎ๐ฌ!

What better way to celebrate our clients than with a night at the movies? Weโ€™re inviting you and your family to join us for a special screening of ๐“๐ก๐ž ๐๐ข๐ ๐ก๐ญ๐ฆ๐š๐ซ๐ž ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐‚๐ก๐ซ๐ข๐ฌ๐ญ๐ฆ๐š๐ฌ on the big screen.

Enjoy the movie, grab some popcorn and a soft drink on us, and spend a fun evening with the people you love. ๐Ÿฟ

Most importantly, this is our way of saying ๐ญ๐ก๐š๐ง๐ค ๐ฒ๐จ๐ฎ to the clients who have trusted ๐๐ข๐  ๐•๐š๐ฅ๐ฅ๐ž๐ฒ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž to be part of such an important chapter in their lives. We truly appreciate you, and weโ€™d love to celebrate with you!

๐ŸŽƒ ๐“๐ก๐ฎ๐ซ๐ฌ๐๐š๐ฒ, ๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐Ÿ๐Ÿ๐ง๐ | ๐Ÿ” ๐๐Œ
๐Ÿ“ ๐‚๐ข๐ง๐ž๐ฆ๐š๐ซ๐ค ๐š๐ญ ๐ญ๐ก๐ž ๐†๐š๐ฅ๐ฅ๐ž๐ซ๐ข๐š

Seats are limited, so scan the QR code to RSVP and save your spot!

๐Ÿ“ž (916) 960-1325

10/07/2026

๐‡๐ข๐ฌ๐ญ๐จ๐ซ๐ข๐œ๐š๐ฅ๐ฅ๐ฒ, ๐ญ๐ก๐ž ๐ฆ๐š๐ซ๐ค๐ž๐ญ ๐๐ข๐ฉ๐ฌ ๐ž๐ฏ๐ž๐ซ๐ฒ ๐Ÿ• ๐ญ๐จ ๐Ÿ— ๐ฒ๐ž๐š๐ซ๐ฌ. ๐–๐ž ๐ก๐š๐ฏ๐ž ๐ง๐จ๐ญ ๐ฌ๐ž๐ž๐ง ๐จ๐ง๐ž ๐ฌ๐ข๐ง๐œ๐ž ๐Ÿ๐ŸŽ๐Ÿ๐ŸŽ.

๐‘๐จ๐๐ง๐ž๐ฒ ๐€๐ง๐๐ž๐ซ๐ฌ๐จ๐ง puts it in perspective. Sixteen years of consistent growth with no real dip. Last year was the first time some counties started showing small negative numbers, and Rodney believes that shift may already be underway.

But here is the important part. He does not see a dramatic crash coming. No 15 or 20 percent drop. What he does see is softer prices and better rates on the horizon.

And for buyers who have been sitting on the sidelines thinking they missed their window? Rodney's take is clear. You have not missed out.

๐Ÿ“ž (916) 960-1325

10/05/2026

๐Ž๐œ๐ญ๐จ๐›๐ž๐ซ ๐ข๐ฌ ๐Ÿ๐ฎ๐ฅ๐ฅ ๐จ๐Ÿ ๐ฉ๐ž๐จ๐ฉ๐ฅ๐ž ๐ฐ๐จ๐ซ๐ญ๐ก ๐œ๐ž๐ฅ๐ž๐›๐ซ๐š๐ญ๐ข๐ง๐ .

Happy birthday to ๐‚๐ข๐ง๐๐ข, ๐–๐ž๐ง๐๐ฒ, and ๐๐ก๐ข๐ฅ this month. We hope each of you gets a day as good as what you bring to this team every single day.

We are grateful for all of you.

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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