Specializing in Grass Valley Loans

The Golden State Home Loans Team is your premier mortgage team located in Grass Valley, California. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Grass Valley area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Start your home loan process here!

The Golden State Home Loans team is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at a competitive rate no matter what your needs are.

How much do you qualify for?

No Obligation. No Credit Check.

$350 M

in loans funded to date

10-DAY

average closing

100%

customer satisfaction rate

Agent handing keys to happy couple

Loan Options

Finding the right home loan requires careful consideration of your needs, finances, and history. We are here to guide you through the process.

The latest in mortgage news.

Pretty 2 story brick home

What Are Closing Costs?

This week, we’ll explore the different costs you’ll encounter when you sign final documentation to secure your loan and purchase your new home. These…

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Family looking at house for sale

Fixed and Adjustable Rates: What You Need to Know

In this week’s blog from , we’ll explore fixed and adjustable rates and what they mean for borrowers in the short and long term.…

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Frustrated man holding bills at computer

Home Financing FAQs

Whether you’re buying your first home or your tenth, it’s likely that you have at least some questions about home financing. At , we…

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5 Star Review

Our clients are the foundation of our success

  • Working with Jared was great. I highly recommend Gden State Hime Loans.

    Matt Sordahl Avatar Matt Sordahl
    February 27, 2026

    A +++++++++++++++

    Chris Hoegel Avatar Chris Hoegel
    January 6, 2026

    When we relocated, we couldn't have asked for better help through the loan process than what we received from Jared. We had a lot of questions and Jared was always... read more

    Douglas Dunnebier Avatar Douglas Dunnebier
    November 5, 2025

    Jared made our first home buying experience a breeze. He’s very responsive, knowledgeable, and helped keep everything moving so we could close on time. Highly recommend.

    Chris Paizis Avatar Chris Paizis
    August 23, 2025
  • Working with Jared through the lending process was a great experience. He was patient with us and answered all of our first time buyer questions. We would definitely recommend him... read more

    Jonathon Rodriquez Avatar Jonathon Rodriquez
    November 15, 2024

    I had an awesome experience. Jared was great and always stayed positive..

    Bryan Bogardus Avatar Bryan Bogardus
    October 28, 2024

    I am a little late in writing this review, but working with Jared was a fantastic experience. Jared was incredibly professional, knowledgeable, and supportive throughout the entire lending process. He... read more

    Heather Murphy Avatar Heather Murphy
    July 24, 2024

    Golden State Home loans did a great job! Jared was so knowledgeable about the market that when the builders' lender was trying to steal me away (never would happen) and... read more

    Eric Henry Avatar Eric Henry
    December 20, 2022
  • Jared was wonderful. This is the first mortgage I have gotten since I retired. It was complicated because I had 4 sources of income which had to... read more

    Rochelle Dineen Avatar Rochelle Dineen
    March 7, 2022

    I've worked with Jared on multiple mortgages and subsequently sent all of my family and friends to him. He his honest, intelligent, and a great communicator. Let Jared find the... read more

    C A (FFP916) Avatar C A (FFP916)
    December 18, 2021

    Jared was helpful, informative and responsive. Not only did he help us secure our Family home, he also made it simple and painless! Thanks Jared, we highly recommend you to... read more

    Richard Williams Avatar Richard Williams
    November 3, 2021

    Jared and team did a fantastic job with our very difficult refi. Kudos to the whole team! Highly recommended.

    Todd Lawson Avatar Todd Lawson
    July 29, 2021
  • I can not say enough good things here! Being a first time home buyer, and first generation home buyer at that, I was really nervous about the whole process. Jared really walked... read more

    Kayla Sawi Avatar Kayla Sawi
    July 20, 2021

    Great people to work with! We actually had a couple loan options going, and this team was able to secure us the best rate!!

    Phil Alonso Avatar Phil Alonso
    June 23, 2021

    Jared and his team helped us on a refinance, locking in a rate and terms as agreed in a very timely manner. Truly fantastic. He and... read more

    Marius Bor Avatar Marius Bor
    March 31, 2021

    I shopped 5 companies and Jared had the lowest rate and lowest closing costs of them all. They also closed the loan in half the time I expected and were... read more

    Vitaliy Fanin Avatar Vitaliy Fanin
    March 13, 2021
  • From my personal experience, and from my clients' experience, Jared is the best of the best! As a busy real estate professional, I have worked with many lenders over the... read more

    Lisa Tena Avatar Lisa Tena
    March 12, 2021

    Golden State Home Loans was a referral from a friend, who was very pleased with her experience. Jarod Acosta was our broker. He was informative, professional and available... read more

    Jacquelin Parker Avatar Jacquelin Parker
    February 25, 2021

    Hands down the best mortgage broker around. Jared is fantastic with jumbo loans and also first time home buyers! Always available by phone, text and email.

    Katee Green Avatar Katee Green
    February 16, 2021

    The Golden State Home Loans team was great to work with. They worked on multiple loans for me and got me the best possible deal out there. I was very... read more

    R Kanji Avatar R Kanji
    February 2, 2021