An independent California broker who explains every number.
LoanGuru Mortgage is a licensed California brokerage built on one idea: you deserve a real rate up front and a straight answer every time. We help first-time buyers, move-up owners, and real estate investors get a better loan — with the whole market shopped for them.
Hi, I'm Sam.
I started LoanGuru because too many buyers — first-timers and seasoned investors alike — get handed a rate, a stack of paperwork, and zero explanation. That's backwards. My job is to make every number make sense, whether it's your first home or your tenth rental.
Being an independent broker means I'm not selling one bank's products. I shop 50+ wholesale lenders for a single loan and bring you the sharpest one — then walk you through the trade-offs so you can decide with confidence.
You'll work with me directly, start to finish. No call centers, no being passed around — just straight answers and a relentless focus on the best loan for your situation.
Transparent, understandable, honestly priced — for everyone.
That means first-time buyers who were told they need perfect credit and a fortune down, and self-employed operators whose tax returns undersell them. About half our book is investor and self-employed lending; the other half is walking first-timers into their first set of keys. Both halves run on the same fuel: straight answers.
Transparency, choice, and someone who picks up.
Rates you can actually see
Most lenders gate the number behind a form. We show a real rate, APR, and closing costs with no name, email, phone, or credit pull — so you can shop honestly.
One broker, the whole market
A bank sells one menu. As an independent broker we put your loan in front of 50+ wholesale lenders and bring back the best fit — for W-2 buyers and investors alike.
A human who answers
You work with Sam directly, from first quote to keys — nights and weekends included. No call centers, no getting passed around.
Local matters
Mello-Roos in River Islands, commuter math on the Altamont, which Manteca subdivisions are building — this market has quirks, and we live in them. Licensed everywhere in California; fluent in the 209.
A brokerage you can look up.
LoanGuru Mortgage LLC is a licensed California mortgage broker. All loans are funded by third-party wholesale lenders. Rate and program availability are subject to change, and any figures shown are estimates — not a commitment to lend. Serving Tracy, Mountain House, Manteca, Lathrop, Stockton, Modesto, Livermore & all of California.
- Company NMLS
- #2439615
- Sam Naha NMLS
- #1861167
- CA DFPI license
- #60DBO-177169
- Office
- 663 W Viento St, Mountain House, CA 95391
Equal Housing OpportunityLet's find your number.
See your real rate in seconds — no personal info — or grab 30 minutes with Sam. Either way, no pressure.