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Saratoga Bancorp is a California based mortgage banker funding loans in California since 1987.

At Saratoga Bancorp our mission is simple: to provide you the Best Mortgage Rate and Loan Program that you qualify for; to deliver what we say and to make the process fast, efficient and hassle free.


Whether you have perfect or not so perfect credit; whether you have great income or problem verifying your income - we have a loan program for you at very competitive rates. We offer:

• First and Second Mortgages.
• Credit Lines
• Home Equity Loans
• Real Estate Purchase or Refinance
• No Income Verification Loans
• Self-employed/No Business License
• High Debt Ratios
• Payment Reduction Loans
• Loans from $20,000 to $3,000,000
• Debt Consolidation
• Home Improvement Loans