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Welcome to Loans by Grace
From Sacramento to San José, supporting those in search of their home in the Bay Area.
For over 20 years, Grace Davis and her team have helped more than 1,000 people secure the ideal home loan, always keeping their best interests in mind. Our process is built on transparency, efficiency, and personalized support, ensuring you make informed and confident decisions every step of the way.
We specialize in making the world of real estate and home loans clear and accessible, securing the best financing options for our clients and helping them make the most of their budget. Whether you're just starting to explore your options or ready to take the next step, we're here to guide you with expert advice and key market insights.
Why Choose Loans by Grace?
Sharpest Rates.
Our industry expertise allows us to secure the most competitive rates for you, saving you time and maximizing your savings. We've done the legwork, comparing rates across lenders, so you don’t have to—ensuring you get the best deal without the guesswork.
Flawless Support.
Our well-organized, step-by-step process ensures clarity and ease, so you're never left in the dark. With open lines of communication, we’re always just a call away to answer questions and keep you confidently informed at every stage.
Unmatched Connections.
Our strong community connections mean we know the neighborhoods, the trends, and what’s possible—giving you an insider’s edge and confidence in every step of your journey to homeownership.
Trusted by People
"Grace Davis assisted us through the process of refinancing our home loan. She was extremely professional, gave excellent advice, and made the whole process easy. We are very pleased with the outcome and highly recommend her."

— Lee Lanning, Hidden Valley Lake, CA
"Grace and her team were always on top of everything at every step of the way with answers to our questions. They really know how to guide people through the process of home buying. If you have any doubts, do yourselves a favor and reach out to her team so they can help you out as soon as possible."

— Jose Padilla, Vallejo, CA
"I recently worked with Grace Davis to secure a mortgage for my new home. Grace was incredibly professional and knowledgeable. She always kept us informed and made the loan process smooth and stress-free. She guided us through every step and ensured we got the best rate possible. I highly recommend Grace Davis to anyone looking for a reliable and efficient loan officer."

— Edvin Santos, Richmond, CA
"We closed our first home purchase with Grace. She went above and beyond for my family during our home-buying process! Grace made the entire experience feel smooth and at ease. She explained everything thoroughly and provided many mortgage options, locking in a great rate for us. We are beyond grateful and cannot recommend her enough!"

— Lucero Hernandez, Fairfield, CA
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