Kevin Oto
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Kevin Oto
Home loan financing with Green Haven Capital Inc., a local Sacramento mortgage broker, means a mortgage that closes on time without the hassle. Mortgage refinancing may lower your monthly payments, which can add up to significant savings.

Founded in 2008, the key to our success as a Sacramento mortgage broker has been a combination of consistently offering the lowest possible rates and fees along with giving our clients outstanding customer service.We at Green Haven Capital Inc. understand that finding the right mortgage can be a daunting task and we are here to help simplify the process and show you how quick and easy obtaining a mortgage can be.
Services
Our company works with some of the top mortgage and real estate professionals and our staff has over 40 years of combined experience. Green Haven Capital Inc. is a Mortgage Company that works with the top lenders in the country. As a brokerage that's approved with several lenders, we have access to hundreds of loan programs and can provide more options to our clients.
We work hard to close on time without the hassle. Whether you are a first time buyer or an experienced home owner, purchasing a new home can be a stressful process. We take the stress off your shoulders and walk you through the process every step of the way! We will find options and programs for your specific needs.
Before even looking for your first house, we can help you get mortgage prequalified in Sacramento. Some realtors may even require this prior to showing homes. Green Haven Capital Inc. can help you get pre-qualified and on your way to home ownership! It is always good to determine how your credit looks.
Are you a First Time Home Buyer in Sacramento? Green Haven Capital Inc. loan specialists can help guide you through the loan process. We can help you get you pre-qualified for free before you even find your new home and we can match you with a trusted real estate agent through our partner networks.
For some home buyers, the decision of how much money to use as a down payment can be very confusing and hard. The route for each buyer or investor really does depend on their situation and personal preferences. Continue reading to learn about available low down payment purchase options in Sacramento.
Reviews (20)
Catalina Hernandez
Catalina Hernandez
Dec 24, 2021
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It was such a pleasure working with Nancy and her team at Green Haven Capital Inc! She was extremely responsive with anything I needed from the beginning of obtaining a mortgage loan all the way until closing. Responsiveness is super important with this market and Nancy definitely had it dialed down. Great customer service and definitely made me feel supported during this process. Highly recommend!
Maiv Xyooj
Maiv Xyooj
Dec 20, 2021
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Kyle Garman was awesome! He was very thorough, answered all our questions, and very patient. He made the loan approval process smooth and was very responsive. He has a quick turnaround time which made buying our first home easy. We highly recommend him to anyone who wants an honest and trustworthy loan consultant to work with.
Jacqueline Taylor
Jacqueline Taylor
Nov 17, 2021
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Humble! Helpful! Friendly! Knowledgeable! Thoughtful! Useful! Timely!
From day one my Loan Officer Kevin Oto has gone above and beyond in every aspect of his job. Kevin provided me and my family absolutely amazing stellar customer service. Kevin is able to put him self in the shoes of the customer ( me) and understand how new the whole home buying and mortgage process was. Kevin was able to walk me through this entire process from start to finish. He gave me the impression that he was treating me like family. Kevin explained everything to me in detail and was always there to answer any question
Mechelle L.
Mechelle L.
Nov 12, 2021
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Kevin is the best loan officer! He helped me and my partner make the best decision as first time homebuyers and investors. Thank you for helping us get the best deal, and re-assuring us when we weren't sure. His communication was immaculate and always kept us in loop with any questions and concerns we had. The process was smoother with Kevin on our side. Thanks for everything Kevin! We closed on our new property!

Best,

Mechelle and Sviat!!
Christy H.
Christy H.
Nov 11, 2021
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Our Loan Officer, Kevin Oto, was a key piece in ensuring we secured our home. He was extremely responsive and answered every question we had. Kevin and his team are fantastic to work with and will recommend them to everyone!
Sokvan Tuy
Sokvan Tuy
Oct 19, 2021
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The team at Green Haven Capital made my first home buying experience easy and smooth. Kevin and his team are very knowledge and answered every question I had swiftly. Kevin and his team are always available and would love to work with them again.
Steve Gonzalez
Steve Gonzalez
Oct 17, 2021
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Kyle is an amazing lender. He is always on top of it and makes sure to keep you updated throughout the whole process. I recently just refinanced my home with Kyle & was able to get an amazing rate while getting it closed in a short amount of time. Thank you Kyle for everything you do!!
Michael Thong
Michael Thong
Oct 04, 2021
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Kevin was very helpful and quick at helping us out. He made all the process very smooth and easy for us. He always answer our questions and get back to us right away. I'm so glad we made the right decision in contacting him for our mortgage loan. Thank you for all your help!!
Hiba A.
Hiba A.
Sep 23, 2021
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My husband and I are a returning customers. Can’t say enough great things about Kevin. Very professional, Great communication, One of the best out there. I highly recommend Kevin for any loan services.
Donnabell Dmello
Donnabell Dmello
Sep 21, 2021
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We recently worked with Kevin and team from Green Haven Captial for purchasing our first home. In our case we needed to make an offer urgently and Kevin was able to get back to us in time which really helped us. He also helped get a good rate for a jumbo loan. As first time home buyers, we had a lot of questions and Kevin was patient to answer them all. We just followed up with him from time to time, but generally things were on schedule.
Mark V.
Mark V.
Sep 14, 2021
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Kyle Garman from Greenhaven Capital does it again! This is our third time working with Kyle and he has never disappointed us yet.

From the initial conversation about a possible refinance and all the way to our loan closing- Kyle was communicative, honest, and precise in all methods related to loan funding.

We are ecstatic to be saving a significant amount of money on our new loan.

Thanks, Kyle and Greenhaven Capital team!

You have truly earned lifetime customers.
Megan D.
Megan D.
Aug 14, 2021
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Review

Kyle was amazing to work with to refinance our mortgage. He was great and communicating with us and provided us with regular updates and we closed in three weeks! I would recommend him to anyone who needs a mortgage. Hands down the best mortgage experience I have ever had!
Sally S.
Sally S.
Aug 01, 2021
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Was recommended by my Real Estate friend to talk to Kevin Oto about a possible mortgage refinance. My husband and I bought our house a year ago and I was under the impression that we had to make sure our credit card debts were paid off before we could refinance. We didn't owe much but it just felt like it was the ideal thing to do was to pay off the cards before refinancing. I knew we had to wait at least 6 months after the purchase of our house before we could refinance. Little did we know, it was possible to refinance and knock off our PMI after being in our home for a year. Connecting with
Conner O.
Conner O.
Jun 01, 2021
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My experience with Greenhaven was excellent. Kyle was fantastic! He provided all the information I needed clearly and answered emails quickly. The whole process was a breeze! I will certainly work with these guys in the future!
Skought L.
Skought L.
May 29, 2021
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Kevin and Green Haven Capital were amazing in working with me. They explained everything that I had questions about, worked different programs to get me the best rate, were reliable and reachable throughout the process, and were about to close faster than any lenders I talked to. Extremely good at what they do and I recommend them to anyone looking to finance/refinance a home!
Lorne W.
Lorne W.
May 25, 2021
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I really appreciate the time and effort that was put into making a dream, a plan and a plan, a reality. Thank you and continue helping the community become greater.

See you in about two years, for Round 2 .

Thanks again!
HappyGoLucky S.
HappyGoLucky S.
Mar 25, 2021
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This review goes to Kyle Garman - for being 5-star, A+ Loan Officer. His professionalism, tenacity and due diligence are to be commended.

Kyle took a very good care of my refinances at a very competitive rate and managed to navigate throughout the process smoothly.

Highly recommend Kyle!
Kelsey L.
Kelsey L.
Mar 23, 2021
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Kyle took excellent care of us through our mortgage refinance. He is a true professional, ensuring we understood everything along the way. After a difficult experience a few years ago with another company, it was a refreshingly pleasant experience working with Kyle, who was above board and clear at every step.
Ace P.
Ace P.
Mar 15, 2021
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I have worked with Kyle Garman two times now and I highly recommend him. He is honest and really trying to help you get the best deal possible. I appreciate that even if I don't understand something or have a disagreement he truly listens and helps by explaining or providing a solution. So again thank you Kyle for your patience and excellent service.
Rachel F.
Rachel F.
Jan 19, 2021
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Kyle Garman was extremely helpful and educated. He kept in constant contact and made my refinance go incredibly smooth even in these very stressful times! Thank you!