The Best Mortgage Lender in Roseville

Delivering 5-star mortgage solutions with local unmatched expertise.

What Makes Us Different

The JJ Mack Team was built on one simple promise:
Make home financing faster, simpler, and more personal.

Most mortgage lenders treat borrowers like numbers.
We treat you like a partner.

Here’s what makes us the preferred choice for buyers, homeowners, and real estate agents throughout Roseville and the greater Sacramento region.

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5-Star Experience: 150+ Reviews

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Clear Communication

We explain your options clearly, keep you informed at every step, and are always easy to reach when questions come up.

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Fast Approvals

Our streamlined process delivers quick pre-approvals and on-time closings without unnecessary delays.

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Stress Free Loan Process

We handle the details, guide you through each step, and remove the guesswork so financing feels simple.

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Competitive Options

We compare multiple loan programs to find the best rates and terms for your specific goals.

We’re proud to be one of the highest-rated mortgage teams in Roseville — with over 150 verified 5-star reviews.

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We can’t say enough about the amazing job that JJ Mack and his team did for us as they walked us through the loan process from beginning to end! JJ was a man of his word and went above and beyond to make sure our loan closed on time! We definitely look forward to working with JJ Mack again in the future and would certainly recommend to us by my sister and brother-in-law! So glad we gave him a call! 🙂

-Melissa B.

The best experience EVER! We purchased our house back in 2015. JJ Mack and his team were professional, assertive and beyond wonderful. Buying a home as a first time home buyer can be very stressful but working with JJ and his team always put mine and my husbands mind at ease. He was calm and patient and answered questions for me at the drop of a dime. I even needed JJ to help us with something after purchasing our home and without questions he was there to help! When we decide in our future to sell and purchase a new property JJ Mack has our business!

-Rachael D.

Just purchased a home using JJ Mack and his great team at American Pacific Mortgage. I will be recommending JJ’s team to all of my friends and family. I did not think that buying a home would be so easy!

-John Y.

JJ Mack & team are the best. We had been in a difficult loan process with another lender that went on for over five months. We were able to get this resolved in less than six weeks. We were at a point of not believing what people told us. We called often and were never treated as though we were a bother. JJ has helped many of our family members and I will go to him and his team first.

I cannot thank them enough; we have our lives back and we are in our home at last!

-Margo M.

JJ and his team were great, they really helped walk me through the process of buying my first home. Not only were they knowledgeable and helpful, but also understanding about my difficult schedule and accommodated me beyond my expectations.

They were even able to give me advice moving forward as a home owner and the ins and outs of my new mortgage.

Overall great communication and knowledge. I look forward to working with this team again in the future!

-Brett F.

Faster Approvals & Smooth Closings

Speed matters in this market. We built our process to eliminate delays, surprises, and last-minute issues.

Same-day pre-approvals
Fast underwriting
Real-time status updates
Direct communication with our team

Your offer becomes stronger — and your closing becomes easier.

Local Experts Who Know Roseville

As trusted mortgage lenders in Roseville we understand the neighborhoods, the local market, and how to structure your loan to be competitive in this area.

This gives you a local advantage — especially in multiple-offer situations.

We specialize in lending for homebuyers in:

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ROSEVILLE

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ROCKLIN

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LINCOLN

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LOOMIS

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FOLSOM

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SACRAMENTO

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GRANITE BAY

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CITRUS HEIGHTS

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AND ALL SURROUNDING CITIES

Award-Winning Mortgage Team in Roseville & the Greater Sacramento Area

The JJ Mack Team has built a reputation as one of the most trusted and decorated mortgage teams in the region. Our consistent performance, client satisfaction, and industry leadership have earned us numerous honors, including:

Presidents Club – Since 2015
Awarded to the top-producing mortgage professionals company-wide for excellence in production, service, and client experience.

National Mortgage Professional Magazine’s “Best 40 Under 40”
Recognized nationally as one of the top young leaders shaping the future of the mortgage industry.

Style Magazine: Best of the Best – 6 Years in a Row
Voted by readers as one of the premier mortgage teams in the region.

Press Tribune: Roseville Best of the Best – 15 Years in a Row
A long-standing recognition from the community for outstanding service and trusted local expertise.

The Loomis News: Best of the Best
Celebrating excellence and community trust in the Loomis area.

#1 Buy Before You Sell Lender in the Sacramento Region
Recognized for helping homeowners move confidently with innovative bridge-style loan solutions.

Together, these awards highlight our commitment to outstanding service, local knowledge, and delivering the smoothest home loan experience possible.

The Best Loan Options for Your Situation

As a Mortgage Broker + Direct Lender through American Pacific Mortgage, we give you more choices and better rates, including:

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Reverse Mortgage

LET'S CHAT

Frequently Asked Questions

Q: Why is the JJ Mack Team considered one of the best mortgage lenders in Roseville?

The JJ Mack Team is known for fast approvals, transparent communication, and a 5-star client experience. With over 106 verified 5-star Google reviews and deep expertise in the Roseville housing market, our team is trusted by both homebuyers and top real estate agents for delivering smooth, on-time closings.

Q: What types of home loans does the JJ Mack Team offer in Roseville?

We provide a wide range of mortgage options, including Conventional loans, FHA, VA, Jumbo, CalHFA first-time buyer programs, investment property loans, refinancing, and down payment assistance. We help you compare programs and find the best mortgage strategy for your financial goals.

Q: Does the JJ Mack Team serve areas outside of Roseville?

Yes. In addition to Roseville, we serve Rocklin, Lincoln, Loomis, Folsom, Granite Bay, Citrus Heights, Sacramento, Fair Oaks, El Dorado Hills, Antelope, Carmichael, and surrounding cities throughout Placer, Sacramento, and El Dorado counties.