Samuel Heng,
Licensed Mortgage Broker — NMLS# 312494

Sacramento Premier Mortgage Brokerage

Competitive Rates. Expert guidance. Loans tailored to your life

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get personalized plan and explore tailored financial solutions designed around your specific goals.

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unlock your financial potential.

We are committed to guiding you toward financial clarity and the right mortgage option for you through expert consulting, tailored strategies, and trusted advice. Your future deserves a confident, secure foundation.

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Your Mortgage
decisions start here

As a full-service wholesale mortgage broker, we work directly with a vast array of wholesale lending banks — meaning we shop the market so you don't have to. The result? Better rates, lower fees, and a loan program built around your goals.

Home Purchase Loans

Whether you're buying your first home, upgrading to a larger property, or purchasing your dream home, our purchase loan programs are designed to make the process as smooth as possible. We offer a variety of financing options to fit different budgets, credit profiles, and financial goals. Our team will guide you through every step, helping you find the right mortgage with competitive rates and personalized service.

Home Equity loans

Your home is one of your greatest financial assets. A home equity loan allows you to borrow against the equity you've built, providing funds for home improvements, debt consolidation, major purchases, education expenses, or other financial needs. We offer flexible home equity solutions with competitive rates so you can put your home's value to work.

Construction Loans

Building a custom home or financing a major renovation requires specialized financing. Our construction loan programs provide funds throughout the building process, with disbursements made as construction milestones are completed. We work closely with borrowers and builders to ensure financing stays on track, helping turn your vision into reality.

Refinance Loans

Refinancing your mortgage can help you lower your monthly payment, reduce your interest rate, shorten your loan term, or access the equity you've built in your home. Whether you're looking to save money over the life of your loan or improve your overall financial situation, we'll help you evaluate your options and determine if refinancing is the right move for you.

DSCR/BRIDGE Loans

Our DSCR and Bridge loan programs provide flexible financing for real estate investors. DSCR loans qualify borrowers based on a property's rental income instead of personal income, while Bridge loans offer short-term financing to help you act quickly on investment opportunities, renovations, or property purchases before securing permanent financing.

Down Payments Assistance Options

Saving for a down payment can be one of the biggest challenges of buying a home. Our down payment assistance programs are designed to help qualified homebuyers reduce upfront costs through grants, forgivable loans, or other assistance options. We'll help you determine which programs you may qualify for, making homeownership more accessible and affordable.

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enhance your Mortgage journey

As a licensed mortgage broker with access to over a dozen wholesale lending institutions, City Center Financial has the flexibility and market insight to find loan solutions that traditional banks simply cannot offer.

Samuel Heng Broker/Owner-
NMLS# 312494

Successful loan consultation

Our comprehensive process ensures a seamless journey from initial consultation to successful loan approval. Experience personalized guidance and expert support every step of the way.

Application

Start by filling out our easy online application form. Provide basic information about yourself and your financial needs.

Documentation

Upon approval, you'll receive clear instructions on the required documentation. this may include income verification.

Approval

Once your application is reviewed, we aim to provide swift approval decisions. Our goal is to get you approved quickly, efficiently, and confidently.

Funding

After your documentation is verified and finalized, we initiate the funding process. Funds are typically deposited.

Samuel Heng,
Licensed Mortgage Broker —
NMLS# 312494

3626 Fair Oaks Blvd, Sacramento, CA 95864

(916) 596-9250

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