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About me

Hi, I’m Austin Braaten. I am a husband, father of three beautiful children, and a full-time professional Mortgage Advisor. I take great pride in lending you clarity and confidence when applying for a mortgage, and shopping for a home!   

Whether it’s your first home, or tenth, my team is dedicated to making sure you have a great experience during the biggest transaction most folks ever deal with.   

I have been licensed in California and Arizona for over 8 years now, here in the Greater Sacramento area.   With extensive experience in First Time Homebuyer Programs, including being a Preferred Loan Officer by the California Housing Finance Agency, and my successful history of helping folks leverage their equity through bridge loans and reverse mortgages, we will have the right program for you!  

When I’m not helping my amazing clients and partners, you can find me chasing my three babies around, or volunteering at the local food bank.   

I look forward to working with you!   

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.
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FHA

If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
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Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews.
4.96 out of 5.0 stars
Zillow logo
5.0
Experience logo
4.9
Google logo
5.0
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4.9
Marc
Nov 6, 2025
Experience logo
Very responsive and helpful.
marc v.
Nov 6, 2025
Google logo
Austin was very responsive and made great suggestions. He explained various options and worked quickly to finance our h...See more
Lori
Nov 6, 2025
Experience logo
Perfect experience, no hiccups, no delays & ready to fund well before the COE, thank you Austin!
Daniel
Nov 2, 2025
Experience logo
Everyone was helpful and explained everything to the best of their knowledg. our agent would contact us o...See more
Victoria L.
Oct 6, 2025
Google logo
Austin and team helped my family qualify for a loan and be able to buy their first home ao grateful and thankful they ar...See more
Debora
Oct 4, 2025
Experience logo
As a first time homebuyer Austin made my experience a pleasant one. He's extremely knowledgeable and informative...See more

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Awards

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Causes & Memberships

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NMLS ID #1480453

I am authorized to do business in the states of Arizona and California. AZ BK#0018883; AZ BKBR# 1041263; AZ LO Lic.# 0936117; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;

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