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Text Content

Skip to content
 * Apply
 * Today’s Rates
 * Insurance
 * About
 * Contact
 * Personalized Guidance

 * Apply
 * Today’s Rates
 * Insurance
 * About
 * Contact
 * Personalized Guidance




THE MOST COMPETITIVE MORTGAGE RATES

Get the home loan that best meets your needs and the personalized five-star
service that powers you to reach your homeownership goals.

Get instant quote

No personal information required. No impact on your Credit Score. No documents
required.




OVER 400+ REVIEWS




WHY OUR CUSTOMERS LOVE TO WORK WITH US



“I cannot say enough good things about this company. We have left this team
feeling like family.”


KASSANDRA T.

 * First-time Homebuyer
 * Larkspur, CA



“If you are a first-time buyer, I can say you will have comfort knowing you will
have an amazing team walking alongside you throughout the process.”


CRISTIAN C.

 * First-time Homebuyer
 * Modesto, CA



“Everything was just so effortless with 100% transparency. You will never get
better rates from anyone else”


ARUN K.

 * Homeowner
 * Livermore, CA



“We had a ton of questions and needed a lot of guidance. Lucky and the team
answered all of our questions and held our hand the whole way!”


GURJOT S.

 * First-Time Homebuyer
 * Fremont, CA






WE FUNDED OVER $125+ MILLION HOME LOANS IN 2021


SEE WHAT SETS US APART

We are committed to simplifying your home buying or refinancing experience.


Banks
Credit Unions
On-demand and real-time pre-approval
Always
Occasionally
Occasionally
No application and processing fees
Always
Never
Never
Best Rates across multiple lenders
Always
Rarely
Sometimes
Out-of-box solutions for every borrower
Always
Sometimes
Rarely
Personalized guidance and support
Always
Occasionally
Occasionally
Real-time loan status updates
Always
Sometimes
Rarely
Close home loans fast
Always
Sometimes
Rarely
On-demand pre-approval
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
No application and processing fees
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Best Rates across multiple lenders
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Out-of-box solutions for every borrower
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Personalized guidance and support
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Real-time loan status updates
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely
Close home loans fast
Reliance Financial
Always
B
Banks
Rarely
C
Credit Unions
Rarely


YOUR JOURNEY TOWARDS
HOMEOWNERSHIP

Feel confident about making big financial decisions with the help of transparent
services and personalized guidance.

1


GET YOUR PAYMENT

The first step toward your homeownership dream can start with a base-level
understanding of what your housing payment and affordability may look like.
Check Payment

2


GET YOUR FREE CUSTOM RATE

Get your personalized rate and closing fee options. We want you to secure the
best possible terms for yourself.
Free Custom Rate Quote

3


GET YOUR PRE-QUALIFICATION

Fill out your secure application anywhere, anytime. It only takes 15 minutes or
less to get your pre-qualification results on our digital platform. We offer
pre-approval letters within hours after we receive ALL required documentation.
Apply Now

4


GET FUNDED AND HOME KEYS

Our solid pre-approval process empowers you to make a strong offer on the home
of your dreams. Once you get into contract, our team of experts guides you
through the loan process step-by-step all the way to the finish line. We are
passionate about getting your home funded quickly and on time.
Contact Us


TODAY’S MORTGAGE RATES

Purchase
Refinance

Loan Amount To $766,550




15 YR FIXED
6.350% % RATE
6.456%% APR

--------------------------------------------------------------------------------

30 YR FIXED
6.967% % RATE
7.077% % APR



Loan Amount To $1,149,825




15 YR FIXED
6.868% % RATE
6.928%% APR

--------------------------------------------------------------------------------

30 YR FIXED
7.125% % RATE
7.186% % APR




WOULD YOU LIKE TO SPEAK WITH A LOAN OFFICER?

Personalized Guidance

Loan Amount To $766,550

15 YR FIXED
6.350%% RATE
6.419% % APR

--------------------------------------------------------------------------------

30 YR FIXED
6.967% % RATE
6.710% % APR



Loan Amount To $1,149,825




15 YR FIXED
6.868% % RATE
6.908%% APR

--------------------------------------------------------------------------------

30 YR FIXED
7.125% % RATE
7.166% % APR




GET YOUR FREE CUSTOM RATE QUOTE

Free Rate Quote
Disclosures


POWERING SOCIAL IMPACT


TEAM RELIANCE FINANCIAL CARES ABOUT THE COMMUNITIES AROUND US #RFCARES



At Reliance Financial, our team cares about giving back to our communities and
supporting causes that are key to continuous growth and development locally and
globally.

Learn More


GET THE HOME LOAN THAT BEST MEETS YOUR NEEDS

Start your homeownership journey here.

Get instant quote

No personal information required.
No impact on your Credit Score.
No documents required.





OUR GOOGLE REVIEWS

Reliance Financial – California Mortgage Brokers & Mortgage Lenders Dublin CA
5.0
Based on 130 reviews

review us on
sjhw
02:48 17 Jun 23

Scott Wise and his team at Reliance Financial, Dublin, CA, achieved a smooth,
9-day close for the purchase of a SFR on 6/13/2023. His professionalism and
customer care are exemplary and his encyclopedic knowledge of the lending
process [a DSCR loan, in this case] was key to this transaction’s success. Mr.
Wise is a “doer” and represents the best in the lending and real estate
industries. INCLUDE him in YOUR team. RECOMMENDED! – SW
Caroline Yeh
03:47 19 Apr 23

Last year I purchased a home and Reliance Financial Mortgage was instrumental in
helping me through the process. Lucky Sandhu, and the team at Reliance Financial
Mortgage made it easy and stress-free. They were always available to answer my
questions and they were patient and understanding as I navigated the process.I
was particularly impressed with the level of communication from the team at
Reliance Financial Mortgage. They kept me updated on my loan status every step
of the way and they were always available to answer my questions.I would highly
recommend Reliance Financial Mortgage to anyone who is looking to buy a home.
They are a great team of professionals who will make the home buying process as
easy and stress-free as possible.I would not hesitate to use Reliance Financial
Mortgage again if I ever need to buy a home in the future. Thanks Lucky and team
for all your support and help!
Parth Patel
23:56 03 Apr 23

When it comes to our mortgage lending needs there is no other place we will go
to other than Reliance Financial. As first-time homebuyers, we needed a lot of
guidance and an honest approach to addressing our questions and needs. Lucky and
his team did an excellent job on making sure we felt comfortable and relaxed
from start-to-finish. I recommend Lucky and his team to all homebuyers,
especially first-time homebuyers! This is a team you can trust and count-upon.
Ninderjit Sandhu
00:54 08 Dec 22

As a real estate agent, I have trusted Lucky and his team for several
transactions including my own home purchase and refinance. The entire Reliance
Financial team works like a family to help guide my customers with the best loan
options for them including helping answer their questions on qualification.
Several of my customers are self-employed and they require additional hand
holding. Lucky and his team are always there to guide them properly and
patiently and ensure the best outcomes for my homebuyers. When it comes to
mortgage lending, I deeply trust Lucky and Team Reliance Financial to take of my
customers.
Phillip Apley
23:52 19 Oct 22

Well let me start by saying that buying a home was one of the most stressful
things I’ve ever done lol. However Scott Wise from Reliance Financial did as
much as humanly possible to alleviate it! We were approved by 2 other lenders
first, and both of these lenders didn’t do their due diligence and would have
cost us some serious money had we gone with them. But Scott from day 1 was
thorough and transparent. He would break things down visually and explain
things. He would search for the best options for us and ultimately delivered on
EVERYTHING he said he would! He was very patient with me and answered all
questions or concerns as soon as any came up. I can’t recommend him enough!! Go
with someone you can trust. If you don’t believe me go ahead and get some
numbers from others and then bring them to Scott and watch him beat them
substantially!
Cecilia Apley
17:52 11 Oct 22

Reliance Financial exceeded our expectations as first time home buyers! Scott
Wise worked deliberately to help us find the perfect mortgage loan for me and my
family. He found us the best rate and was transparent since our initial
conversation. He was so knowledgeable of the options that we had and showed us
numbers with no hesitation. His ability to break it down and explain the
different loans, rates etc. provided us with peace of mind. We knew we had made
the best decision as he and the team guided us through the process. We will for
sure be using them for any future need and highly recommend you do so as well!
Michael Castiglione
20:50 09 Aug 22

Lucky and the team at Reliance Financial have absolutely mastered the entire
mortgage process from start to finish, making it beyond easy to obtain a
mortgage. They provide blazing speed with loan approvals within hours and reach
clear to close consistently in two weeks. It’s because of their focus on the
client experience that makes every client feel special and comfortable working
with them. I cannot say enough good things about Reliance Financial!
Jaya Gupta
05:25 01 Apr 22

Excellent experience and amazing customer serviceWe worked with Lucky Sandhu on
an investment real estate deal. He is very knowledgeable, transparent and a
pleasure to work with. He takes the time to educate and answers any and all your
questions. He helped us find the best rates and made sure that he personally
guided us through the process.He also has an excellent and very responsive team.
They were always on top of all the items and made sure that the appraisal and
closing happened before time, even though we had a very tight deadline! Any time
we had questions, we got a response immediately from them.They will be our go to
partners going forward. Highly recommend Lucky and his team!
Munir Sayani
22:52 30 Mar 22

RelFin team were amazing to work with! The process as a first time homebuyer can
be difficult to navigate but Lucky, Katrina and team did an great job in making
the process transparent and easy to understand! All the while being quick to
respond and going the extra mile! They provided unbeatable rates and were
patient in helping me come to a decision I was comfortable with. I am very happy
that I got a chance to work with RelFin and would definitely recommend them!
Manaswini Koustubh
17:35 22 Oct 21

Excellent service by Reliance FinancialWe had an amazing experience working with
Lucky and his team at Reliance Financial for our mortgage loan on our new home!
Being first time home buyers in the US, we had a lot of questions and concerns,
Lucky explained us all the steps in detail and helped us make an informed
decision, that made us close our deal on time. They are very good both with
emails and are always available to work on our requests. It wouldn’t have been a
smooth sail with our new place if it was not for Lucky and his fantastic team.
Thank you Reliance Financial. Highly recommend this team to anyone currently
browsing for mortgage financing!!
Sidak Sandhu
05:22 29 Nov 18

I have worked with Lucky Sandhu on several real estate deals, both personal and
investment (in State and out of State) over several years. He has always been
very professional, knowledgeable and just a good person to work with. He takes
the time to educate you and answers all your questions. My main take away from
dealing with Lucky is, he does not over promise and under deliver. We have
always had a candid honest discussion on various topics around real estate. He
has been a great partner in helping us build our real estate portfolio. Thinking
back, we could not have purchased our first home without Lucky’s personal help
and guidance.He is a CPA, who has graduated from one of the best universities in
the world with an extensive network in the Bay Area. He thinks like a business
man and is genuine, humble and overall very passionate and knowledge about the
real estate field. Highly recommended.




WE’RE HERE FOR YOU NEAR AND FAR

We are currently servicing:


CALIFORNIA


CA


TEXAS


TX


COLORADO


CO


MICHIGAN


MI


WASHINGTON


WA


VIRGINIA


VA


FLORIDA


FL

We are currently servicing:


CALIFORNIA


CA


TEXAS


TX


COLORADO


CO


MICHIGAN


MI


WASHINGTON


WA


VIRGINIA


VA


FLORIDA


FL





THE COMPANY

 * About
 * RF Cares
 * Mortgage Companies California
 * Mortgage Companies Texas
 * Mortgage Rates Texas
 * Mortgage Refinance Company
 * Mortgage Calculator Florida
 * Mortgage Calculator Houston

Headquarters:
11501 Dublin Blvd STE #200,
Dublin CA 94568


LEGAL

 * NMLS Consumer Access
 * Privacy Policy
 * Legal Disclaimer
 * Terms of Use
 * Mortgage Rates California
 * Mortgage Lenders Texas
 * Mortgage Calculator California


CONTACT

 * Book A Meeting
 * info@relfin.com
 * +1 (888) 9-RELFIN
 * Careers: Email sales@relfin.com
 * VA Home Loan Lenders
 * Mortgage Calculator
 * Mortgage Calculator Texas


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NMLS #309198

NMLS #309198. California DFPI Financing Law License, 60DBO131682. California DRE
Real Estate Corporation License Mortgage Loan Originator (MLO) License
Endorsement DRE, 01434193. Texas SML. Mortgage Company License. Colorado
Mortgage Broker Company Registration. Florida Mortgage Broker License, MBR4277.
Washington Consumer Loan Company License, CL-309198. Michigan 1st Mortgage
Broker License, FL0023552. Virginia Broker License, MC-7310.


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