About Green Haven Capital

A Trusted Mortgage Brokerage for Greater Sacramento & Northern California

Green Haven Capital is a Sacramento-based independent mortgage brokerage serving homebuyers, homeowners, and real estate investors throughout Greater Sacramento and Northern California. Since 2008, we’ve helped clients make confident financing decisions with a process built on relationships, integrity, and clear communication.

With 700+ reviews online, Green Haven Capital is trusted by homebuyers and homeowners across Greater Sacramento and Northern California. We’re known for fast pre-approvals, smart loan strategy, and a team that keeps clients informed every step of the way.

Local Experts. More Options. Better Guidance.

As a broker-led firm, Green Haven Capital works with a wide network of wholesale lenders. That means we can shop multiple loan options and help you choose the right fit for your goals — often with more flexibility and competitive pricing than a traditional bank.

Whether you’re buying your first home, moving up, refinancing, or building an investment portfolio, we approach every loan with the same mindset: help you win with the right strategy, not just paperwork.

Led by Award-Winning Experience

Green Haven Capital is led by Kevin Oto, President and Broker/Owner (NMLS #62641). Kevin has over 20 years of mortgage experience and has been recognized by Scotsman Guide as a Top Producing Mortgage Broker every year since 2020. His expertise, along with our team’s consistent follow-through, has made Green Haven Capital a trusted name for buyers and real estate professionals across the region.

What We’re Known For

Clients choose Green Haven Capital because we combine speed, experience, and high-touch service:

Fast, accurate pre-approvals
Great communication and consistent, proactive updates
Strong loan structuring to avoid surprises and improve approval odds
Support for complex scenarios, including self-employed income and multiple properties
A smooth process that feels organized, professional, and client-first

Loan Programs & Solutions

We help clients with a wide range of financing options, including:

Conventional home loans
FHA and VA loans
Jumbo financing
USDA loans (where eligible)
First-time homebuyer programs
Down payment assistance options (when available)
Non-QM solutions for self-employed borrowers (when appropriate)
Investor financing, including DSCR and portfolio options (when available)
Rate-and-term and cash-out refinances

Our Primary Market

We proudly serve Greater Sacramento and Northern California, including Sacramento, Elk Grove, Roseville, Rocklin, Folsom, Davis, Vacaville, Fairfield, Auburn, Placerville, and surrounding communities.

Primary Market: Greater Sacramento & Northern California
Licensed to Originate In: CA, TX, TN, OR, CO, UT, MD