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

This one stops a lot of people before they even pick up the phone. And it should not.The truth is there are loan program...
06/08/2026

This one stops a lot of people before they even pick up the phone. And it should not.

The truth is there are loan programs designed for buyers with less than perfect credit. FHA loans for example allow scores as low as 580. VA loans for eligible veterans are even more flexible. And conventional loans have options depending on your full financial picture.

Your credit score is one piece of the puzzle. Not the whole thing. Income, savings, debt, and loan type all factor in too.

If you have been telling yourself your credit is not good enough, let us actually look at the numbers together. You might be closer than you think.

๐Ÿ“ž (916) 960-1325

06/06/2026

๐“๐ก๐ž ๐ฅ๐จ๐ฐ๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž ๐ข๐ฌ๐ง'๐ญ ๐š๐ฅ๐ฐ๐š๐ฒ๐ฌ ๐ญ๐ก๐ž ๐›๐ž๐ฌ๐ญ ๐ซ๐š๐ญ๐ž.

๐‰๐ฎ๐ฌ๐ญ๐ข๐ง ๐ˆ๐ง๐ ๐จ๐ฅ๐ข๐š puts it perfectly. Chasing the lowest rate without context can actually cost you $20,000 or $30,000 if you are out of the home in two years. All that money spent buying down the rate and you never got to enjoy the savings.

How long you plan to stay in the home changes everything. It dictates the loan program, the rate type, and the strategy that actually makes sense for your situation.

A real advisor does not just quote you a number. They ask the right questions first.

๐Ÿ“ž (916) 960-1325

๐‰๐ฎ๐ง๐ž ๐ข๐ฌ ๐ก๐ž๐ซ๐ž ๐š๐ง๐ ๐ฐ๐ž ๐š๐ซ๐ž ๐ซ๐ž๐š๐๐ฒ.This month we are pulling back the curtain a little and giving you a look at what goes on ...
06/01/2026

๐‰๐ฎ๐ง๐ž ๐ข๐ฌ ๐ก๐ž๐ซ๐ž ๐š๐ง๐ ๐ฐ๐ž ๐š๐ซ๐ž ๐ซ๐ž๐š๐๐ฒ.

This month we are pulling back the curtain a little and giving you a look at what goes on behind the scenes at Big Valley Mortgage.

We are also celebrating 3 birthdays and 5 work anniversaries on our team this month. This crew shows up every single day and they deserve every bit of recognition.

And if you are local to Roseville, swipe through for some of our favorite things happening in the area this June. Summer is just getting started.

05/29/2026

This weekโ€™s Two Mortgage Guys update is all about the season of education! As rates continue to fluctuate, itโ€™s important to bring the value of education to your clients and lean into some unique payment options whenever possible. But the good news is, rates are looking better today than they did at the start of this week, and thatโ€™s all we can ask for. Follow along and tune in next week to see if the trend continues!

๐†๐จ๐ญ ๐š๐ง ๐š๐œ๐œ๐ž๐ฉ๐ญ๐ž๐ ๐จ๐Ÿ๐Ÿ๐ž๐ซ? ๐‡๐ž๐ซ๐ž'๐ฌ ๐ฐ๐ก๐š๐ญ ๐ง๐จ๐ญ ๐ญ๐จ ๐๐จ.We know the excitement is real right now. But the next few weeks matter jus...
05/29/2026

๐†๐จ๐ญ ๐š๐ง ๐š๐œ๐œ๐ž๐ฉ๐ญ๐ž๐ ๐จ๐Ÿ๐Ÿ๐ž๐ซ? ๐‡๐ž๐ซ๐ž'๐ฌ ๐ฐ๐ก๐š๐ญ ๐ง๐จ๐ญ ๐ญ๐จ ๐๐จ.

We know the excitement is real right now. But the next few weeks matter just as much as everything that came before. A few things that can quietly derail your closing if you're not careful.

Buying furniture on credit changes your debt-to-income ratio. Changing jobs creates instability in your file. Large undocumented deposits raise red flags with your lender.

Hold tight just a little longer. The couch will still be there after closing day.
๐Ÿ“ž (916) 960-1325

05/27/2026

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ'๐ฏ๐ž ๐ž๐ฏ๐ž๐ซ ๐ญ๐ก๐จ๐ฎ๐ ๐ก๐ญ "๐ˆ ๐ฉ๐ซ๐จ๐›๐š๐›๐ฅ๐ฒ ๐๐จ๐ง'๐ญ ๐ช๐ฎ๐š๐ฅ๐ข๐Ÿ๐ฒ," ๐œ๐š๐ฅ๐ฅ ๐ฎ๐ฌ ๐š๐ง๐ฒ๐ฐ๐š๐ฒ.

You would be surprised how often someone comes in convinced they have no shot and walks out with a real plan.

Maybe your credit needs some work. Maybe you are self-employed, and your taxes look complicated. Maybe you went through something hard a few years back, and you are not sure how it affects you now.

We have seen it all. And more often than not, there is a path forward. It just takes someone willing to actually look.

We do not just run your numbers and send you away. We sit down, figure out where you are, and map out exactly what it takes to get you there.

Sometimes that is 30 days away. Sometimes it is 6 months. Either way, you will leave knowing exactly what to do next.

๐Ÿ“ž (916) 960-1325

05/25/2026

๐’๐ก๐ž ๐œ๐ซ๐ข๐ž๐ ๐ฌ๐ข๐ ๐ง๐ข๐ง๐  ๐ก๐ž๐ซ ๐ฅ๐จ๐š๐ง ๐๐จ๐œ๐ฌ. ๐‡๐š๐ฉ๐ฉ๐ฒ ๐ญ๐ž๐š๐ซ๐ฌ.

Dennis Bergstrom shared this story and it stuck with us. Nobody thought she could do it. Nobody except her. And she went for it anyway.

That moment at the signing table when she broke down was not about paperwork. It was about proving something to herself and everybody who doubted her.

That is exactly why this job matters.
๐Ÿ“ž (916) 960-1325

05/22/2026

The Two Mortgage Guys are back! This week Buzz and Justin are delivering news on interest rates, reminding you how to bring value to your clients even in a volatile market, and taking a moment to remember our fallen soldiers as we get ready to celebrate Memorial Day. We hope you have a wonderful weekend, and weโ€™ll see you back here next week for another update!

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

Alerts

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