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 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

๐–๐ก๐š๐ญ ๐ฆ๐š๐ค๐ž๐ฌ ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐œ๐จ๐ฆ๐ฉ๐š๐ง๐ฒ ๐ฐ๐จ๐ซ๐ญ๐ก ๐ฌ๐ญ๐š๐ฒ๐ข๐ง๐  ๐ฐ๐ข๐ญ๐ก?Not just a good commission split. The best loan officers stay where the...
09/25/2026

๐–๐ก๐š๐ญ ๐ฆ๐š๐ค๐ž๐ฌ ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐œ๐จ๐ฆ๐ฉ๐š๐ง๐ฒ ๐ฐ๐จ๐ซ๐ญ๐ก ๐ฌ๐ญ๐š๐ฒ๐ข๐ง๐  ๐ฐ๐ข๐ญ๐ก?

Not just a good commission split. The best loan officers stay where they are genuinely supported, led well, and given the tools to actually grow.

Strong leadership that has your back. Real support when things get complicated. Clear paths for career growth. Technology that works for you, not against you. And a team culture where people actually want to show up every day.

That is what we have built at Big Valley Mortgage over the last 35 years. And it is exactly what we offer every loan officer who joins us.

If your current company is missing any of those things, let's have a conversation.

09/23/2026

๐˜๐จ๐ฎ๐ซ ๐ฅ๐จ๐š๐ง ๐จ๐Ÿ๐Ÿ๐ข๐œ๐ž๐ซ ๐ข๐ฌ ๐ง๐จ๐ญ ๐ญ๐ก๐ž ๐ˆ๐‘๐’. ๐˜๐จ๐ฎ ๐œ๐š๐ง ๐›๐ž ๐ก๐จ๐ง๐ž๐ฌ๐ญ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ž๐ฆ.

๐“๐š๐ฆ๐ข ๐‚๐จ๐ง๐๐ข๐ž and ๐Š๐ซ๐ข๐ฌ๐ญ๐š ๐–๐ฒ๐ฅ๐๐ž๐ซ both put it well. Hiding things from your loan officer does not protect you. It only makes it harder to get you into the right loan for your actual situation.

Job change coming up? Say something. Large deposit hitting your account? Say something. Thinking about buying a car before closing? Please say something.

These are not trick questions. They are the things your lender needs to know so they can guide you through correctly and keep your loan on track.

The dos and don'ts exist for a reason. And the easiest way to navigate all of it is to just ask. That is exactly what we are here for.

๐Ÿ“ž (916) 960-1325

Thinking about buying your first home, but not sure where to start?Join BVM Loan Officers Kendall Hernandez and Mishal F...
09/22/2026

Thinking about buying your first home, but not sure where to start?
Join BVM Loan Officers Kendall Hernandez and Mishal Franz for โ€œ๐๐ฎ๐ฒ ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐˜๐จ๐ฎ ๐๐ฎ๐ฒ: ๐…๐ข๐ซ๐ฌ๐ญ-๐“๐ข๐ฆ๐ž ๐‡๐จ๐ฆ๐ž๐›๐ฎ๐ฒ๐ž๐ซ ๐„๐๐ฎ๐œ๐š๐ญ๐ข๐จ๐ง ๐‚๐จ๐ฎ๐ซ๐ฌ๐žโ€ on September 30th from 7โ€“8 PM on Zoom.

Theyโ€™ll walk through what you need to know before making the leap, including:

๐Ÿก How to know if youโ€™re ready
๐Ÿ’ฐ What it really costs to buy a home
๐Ÿ“‹ What to expect throughout the process
๐Ÿ”‘ What happens next

Whether youโ€™re just starting to think about homeownership or youโ€™re getting serious about buying, this is a great opportunity to get informed and ask questions.

๐’๐ž๐ฉ๐ญ๐ž๐ฆ๐›๐ž๐ซ ๐Ÿ‘๐ŸŽ | ๐Ÿ•โ€“๐Ÿ– ๐๐Œ | ๐™๐จ๐จ๐ฆ

Scan the QR code on the flyer to register! (If you're on your phone, screenshot the image to scan the QR code from your photos app!)

๐“๐ก๐ž ๐‹๐Ž๐ฌ ๐ฐ๐ข๐ญ๐ก ๐Ÿ๐ฎ๐ฅ๐ฅ ๐ฉ๐ข๐ฉ๐ž๐ฅ๐ข๐ง๐ž๐ฌ ๐š๐ซ๐ž ๐ง๐จ๐ญ ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐จ๐ง ๐ญ๐ก๐ž ๐ฉ๐ก๐จ๐ง๐ž. ๐“๐ก๐ž๐ฒ ๐š๐ซ๐ž ๐ฃ๐ฎ๐ฌ๐ญ ๐ฆ๐จ๐ซ๐ž ๐ฎ๐ฌ๐ž๐Ÿ๐ฎ๐ฅ.Cold calling asks for something. Refe...
09/21/2026

๐“๐ก๐ž ๐‹๐Ž๐ฌ ๐ฐ๐ข๐ญ๐ก ๐Ÿ๐ฎ๐ฅ๐ฅ ๐ฉ๐ข๐ฉ๐ž๐ฅ๐ข๐ง๐ž๐ฌ ๐š๐ซ๐ž ๐ง๐จ๐ญ ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐จ๐ง ๐ญ๐ก๐ž ๐ฉ๐ก๐จ๐ง๐ž. ๐“๐ก๐ž๐ฒ ๐š๐ซ๐ž ๐ฃ๐ฎ๐ฌ๐ญ ๐ฆ๐จ๐ซ๐ž ๐ฎ๐ฌ๐ž๐Ÿ๐ฎ๐ฅ.

Cold calling asks for something. Referrals happen when you have already given something. Swipe through for three habits that shift you from chasing business to attracting it.

Check in on past clients with something they can use. Show up for your Realtor partners between deals, not just during them. And be the person who takes the complicated file everyone else passes on.

That last one builds more trust than any script ever will.

๐Ÿ“ž (916) 960-1325

09/18/2026

Just Buzz this week for the Two Mortgage Guys update. The Fed raised its rate by 25 basis points, but does that automatically mean mortgage rates go up? Not necessarily. Buzz breaks down the difference between the Fedโ€™s overnight rate and what actually drives long term mortgage rates, plus whatโ€™s happening with oil, inflation, and the bond market.
Rates finished the week higher than where we started, but there are still plenty of opportunities for buyers, especially with more sellers making price reductions.
Give it a watch, and check back next week to see where the market takes us!

๐๐จ๐ญ๐ก๐ข๐ง๐  ๐ฆ๐š๐ค๐ž๐ฌ ๐ฎ๐ฌ ๐ฉ๐ซ๐จ๐ฎ๐๐ž๐ซ ๐ญ๐ก๐š๐ง ๐ก๐ž๐š๐ซ๐ข๐ง๐  ๐ญ๐ก๐ข๐ฌ ๐Ÿ๐ซ๐จ๐ฆ ๐จ๐ฎ๐ซ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ.Every kind word is a reminder of why we do this work. Not ju...
09/18/2026

๐๐จ๐ญ๐ก๐ข๐ง๐  ๐ฆ๐š๐ค๐ž๐ฌ ๐ฎ๐ฌ ๐ฉ๐ซ๐จ๐ฎ๐๐ž๐ซ ๐ญ๐ก๐š๐ง ๐ก๐ž๐š๐ซ๐ข๐ง๐  ๐ญ๐ก๐ข๐ฌ ๐Ÿ๐ซ๐จ๐ฆ ๐จ๐ฎ๐ซ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ.

Every kind word is a reminder of why we do this work. Not just to close loans but to genuinely change lives and make one of the most stressful processes feel manageable.

We would love the chance to do the same for you.

๐Ÿ“ž (916) 960-1325

09/16/2026

๐–๐จ๐ง๐๐ž๐ซ๐ข๐ง๐  ๐ฐ๐ก๐ฒ ๐ซ๐š๐ญ๐ž๐ฌ ๐š๐ซ๐ž ๐ง๐จ๐ญ ๐ฆ๐จ๐ฏ๐ข๐ง๐  ๐š๐ฌ ๐Ÿ๐š๐ฌ๐ญ ๐š๐ฌ ๐ž๐ฏ๐ž๐ซ๐ฒ๐จ๐ง๐ž ๐ก๐จ๐ฉ๐ž๐? ๐Š๐ž๐ž๐ฉ ๐š๐ง ๐ž๐ฒ๐ž ๐จ๐ง ๐ž๐ฆ๐ฉ๐ฅ๐จ๐ฒ๐ฆ๐ž๐ง๐ญ.

๐๐ฎ๐ณ๐ณ ๐‡๐จ๐ฐ๐š๐ซ๐ breaks it down. Employment is one of the key drivers of inflation, and the Fed knows it. At the most recent Fed meeting, rates were held steady, but something unusual happened. Several Fed governors dissented, and they kept coming back to the same thing. As long as employment numbers stay strong, inflation is not going anywhere fast.

That matters for anyone watching mortgage rates right now. The Fed does not move on feelings. It moves on data, and employment is one of the biggest pieces of that puzzle.

Understanding what actually drives rates helps you make smarter decisions about when and how to buy. That is the kind of context we bring to every conversation.

๐Ÿ“ž (916) 960-1325

๐’๐ญ๐จ๐ฉ ๐ฌ๐ž๐ฅ๐ฅ๐ข๐ง๐  ๐ซ๐š๐ญ๐ž. ๐’๐ญ๐š๐ซ๐ญ ๐ž๐ฑ๐ฉ๐ฅ๐š๐ข๐ง๐ข๐ง๐  ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ.Any lender can quote a rate. Not every lender can sit down with a client an...
09/14/2026

๐’๐ญ๐จ๐ฉ ๐ฌ๐ž๐ฅ๐ฅ๐ข๐ง๐  ๐ซ๐š๐ญ๐ž. ๐’๐ญ๐š๐ซ๐ญ ๐ž๐ฑ๐ฉ๐ฅ๐š๐ข๐ง๐ข๐ง๐  ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ฒ.

Any lender can quote a rate. Not every lender can sit down with a client and actually explain what that rate means for their specific situation, their timeline, and their long-term financial goals.

The loan officers who build lasting careers are not the ones with the lowest number. They are the ones who show up as a true advisor, ask the right questions, and build a strategy around the person in front of them.

Clients do not remember the rate as much as they remember how you made them feel informed and taken care of.

That is the standard we hold ourselves to at Big Valley Mortgage every single day.

๐Ÿ“ž (916) 960-1325

09/11/2026

Is non-QM having a moment?

This week on Two Mortgage Guys Buzz and Justin break down some of the loan options that fall outside the traditional box, including DSCR loans for investors and bank statement loans for self-employed borrowers.

They also talk about BVMโ€™s new digital HELOC, with approvals in as little as five minutes and the potential to have funds in hand in just 3-5 days.

And yes, they do cover a bit of the market ๐Ÿ˜…

Energy prices, Iran, inflation, and the upcoming Fed meeting all made for a rough week for rates. Give it a watch and hear what the guys think is coming next. See you next week!

๐๐ž๐ฏ๐ž๐ซ ๐Ÿ๐จ๐ซ๐ ๐ž๐ญ๐ญ๐ž๐ง. ๐€๐ฅ๐ฐ๐š๐ฒ๐ฌ ๐ซ๐ž๐ฆ๐ž๐ฆ๐›๐ž๐ซ๐ž๐.Today we honor the lives lost on September 11, 2001, and the heroes who gave everythi...
09/11/2026

๐๐ž๐ฏ๐ž๐ซ ๐Ÿ๐จ๐ซ๐ ๐ž๐ญ๐ญ๐ž๐ง. ๐€๐ฅ๐ฐ๐š๐ฒ๐ฌ ๐ซ๐ž๐ฆ๐ž๐ฆ๐›๐ž๐ซ๐ž๐.

Today we honor the lives lost on September 11, 2001, and the heroes who gave everything in service to others. Their courage and sacrifice will never be forgotten.

We stand with all who carry the memory of that day in their hearts.

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

Alerts

Be the first to know and let us send you an email when Big Valley Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share