The Perfect Mortgage Solution for Your Dream Home

Fast, Transparent, and Personalized Experience – Just for You.

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Comprehensive Mortgage Services

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Home Mortgage

Home mortgage for purchasing primary or investment properties.

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Refinancing Residential Properties

Refinancing of residential properties to help you save money.

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Investor Friendly Lending

Flexible investor friendly lending options for your unique needs.

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DSCR & Fix and Flip

DSCR products, fix and flip products for investment property purchases and refinancing.

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Home Equity Cash Outs

Home equity cash outs on both primary and investment properties.

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Your Local Mortgage Specialists

Welcome to Sovereign Financial, where we turn your homeownership dreams into reality. Based in the heart of Central Valley, California, we are dedicated to providing personalized mortgage solutions tailored to each client's unique needs.

At Sovereign Financial, we understand that choosing a mortgage provider is a significant decision. That's why we go above and beyond to ensure that our clients not only find a loan that suits their needs but also feel supported throughout their homeownership journey.

Proudly Serving Fresno, Madera, Bakersfield and surrounding areas.

1 on 1

Free consultation to discuss your mortgage options with an expert.

15 min

Your journey home with our streamlined application process.

80 +

Broad network to find the perfect mortgage match for you.

Speak with your very own Mortgage Expert today

Hear from Our Satisfied Clients

Refinancing for us was definitely worth it. However, along with that goes a lot of paper work and great communication between a mortgage group. They made a difficult process very easy. After our first visit everything was sent via email and over the phone. We just had to go in a few weeks later to sign the paperwork. I would definitely recommend going to them if your considering to refinance. They look out for your best interest and give you the best advice on what route to take.

Gurjit Gill

Great service by Manraj and his team. Very professional. Great communication and make things so easy for their clients. Highly recommend them.

Varinder Singh

He is a hard worker and helped us out so much. Very responsive and an overall great person who cares about his customers and helping them. 10/10!

Lucky Deol

Very professional and great customer service great communication make things so easy you don’t have to worry about anything thanks to Manraj and his team.

Lovepreet Grewal

Excellent service & they tried to get the best interest rate. So smooth refinancing. Definitely if u want to buy home or refinace, try once. You will feel difference.

Sanjeev Kumar

Awesome customer service by Manraj. Always there to help. He Made things very easy.

Mandeep Dhoot

I came in for a consultation. Manraj was very helpful and I would recommend him for anyone seeking any mortgage advice!

Narinder Kaur

Refinancing for us was definitely worth it. However, along with that goes a lot of paper work and great communication between a mortgage group. They made a difficult process very easy. After our first visit everything was sent via email and over the phone. We just had to go in a few weeks later to sign the paperwork. I would definitely recommend going to them if your considering to refinance. They look out for your best interest and give you the best advice on what route to take.

Gurjit Gill

Great service by Manraj and his team. Very professional. Great communication and make things so easy for their clients. Highly recommend them.

Varinder Singh

He is a hard worker and helped us out so much. Very responsive and an overall great person who cares about his customers and helping them. 10/10!

Lucky Deol

Very professional and great customer service great communication make things so easy you don’t have to worry about anything thanks to Manraj and his team.

Lovepreet Grewal

Excellent service & they tried to get the best interest rate. So smooth refinancing. Definitely if u want to buy home or refinace, try once. You will feel difference.

Sanjeev Kumar

Awesome customer service by Manraj. Always there to help. He Made things very easy.

Mandeep Dhoot

I came in for a consultation. Manraj was very helpful and I would recommend him for anyone seeking any mortgage advice!

Narinder Kaur
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Schedule a call with us

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Speak with your very own Mortgage Expert today