Kevin Fritz – Branch Manager/ Loan Officer

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O: 916-985-3200 x101
MLO #220254
C: 916-730-1988
F: 916-583-7400
Contact Kevin

Email Kevin
Call Kevin

Kevin Fritz – Branch Manager/ Loan Officer

Role in the Company: As the Branch Manager and Mortgage Banker, Kevin’s responsibilities include meeting with clients, advising on key direction, helping with the negotiation process, working with listing agents to get offers accepted, and assisting business partners. He oversees the branch, the process and the team. Kevin’s there to answer any questions about pricing, loan types, or direction.

Experience: Growing up as a local of Citrus Heights, his roots are deeply entrenched in the Sacramento region. With over 25 years of mortgage, finance, and investment experience, Kevin is dedicated to helping clients understand the complex loan process. It’s often not easy maneuvering the requests of underwriters, but his team is equipped and dedicated to finding the win for his clients each and every time. The goal is to create Real Estate Financing Solutions that work. Due to his business background, he is uniquely able to assist Business Owners, Realtors, Attorneys, and Financial Advisors.

Education: Bachelors of Science from UC Berkeley’s HAAS School of Business. Emphasis in Real Estate Finance. High School Diploma from Del Campo High School.

Passions: Kids, Capital Crew, ARFC Soccer, Folsom Middle School Wrestling. A fanatic for Lake Tahoe, he loves skiing, snowboarding and hanging out at the Beacon. Would like to be a better golfer.

Reviews and Testimonials

Anh Lam
System Administrator

Kevin Fritz is an excellent source for mortgage loan. He has been helping me on so many loans e.g. refinance and new purchased. He gets my loan approved every times. There were 1 of my loans, he got me approved within 2 weeks. Very knowledgeable loan officer and always up to date with information. Loan with Kevin is the right choice.

Randall Britt

Kevin has been an outstanding resource of information for our company in the Mortgage Planner capacity. We have used his advice to further our programs and assist our clients in understanding the ever changing mortgage industry, the lending practices and requirements in today’s atmosphere. I highly recommend Kevin and consider his opinion as absolutely invaluable especially in today’s volatile arena of lending.

Tom Naramore

Top qualities: Great Results, Expert, High Integrity: The first thing that Kevin’s customers will experience is his attention to detail. His ability to listen and capture people’s true needs is exemplary. I have recommended Kevin personally to others several times and will continue to do so.

Rick Love
Financial Planner

I’m so blessed to call Kevin my friend. He is a man of integrity through and through. You’ll always know where you stand with him because he tells it like it is—a characteristic I appreciate more than most. If you’re doing business with Mr. Kevin Fritz, you’re in secure hands.

Morgan Larson/Pamela Thomas
Realtors at Keller Williams

Kevin is a knowledgeable, friendly, and -on- top-of- it mortgage broker. He offers many different programs for any type of home buyer or refinancer. As a Realtor, I find it extremely important to work with a mortgage broker that can communicate in a timely fashion and give you answers in common language (no lingo). It’s important for the home buyer to have a team behind them – Kevin is definitely a team player. Also, his assistant Sarah is extremely helpful and knowledgeable herself. This is a dynamic duo that I highly recommend. Thanks Kevin for the great follow up with our clients! Love the video on Flips!

Shingle Springs, CA

“Kevin, I am writing you this letter to tell you how thankful I am for your help in the purchase of my first home. Having owned my own business for several years I knew I would have trouble finding someone who could help me find a loan that would meet both my short and long-term goals. You did such a great job finding and explaining all the options available to me. With your hard work and quick response I was approved for a loan and able to close escrow on a home in about thirty days. Because of your help in getting me approved quickly, my offer on the house allowed me to pay only $1,000 to move in. The deal I was able to craft with the home owner was strictly contingent on your ability to get my loan approved and funded VERY QUICKLY. You saved me tens of thousands of dollars and I can’t thank you enough. In a market full of people who know NOTHING about business or even about real estate, you truly stand heads above anyone in the market. Thanks so much for your help. I really owe you one.

El Dorado Hills, CA

Kevin, Just wanted to say, THANKS VERY MUCH for the hard work on our loans. We have been able to get our bills all paid off and will soon take of the personal loans we owe our parents and kids. It will be a nice feeling to not be in debt to family members. Thanks again. Have a nice trip to Tahoe.

Folsom, CA

I love my new home! And thanks to your talented efforts, I can afford it. Your personal analysis of my budget needs and my credit abilities allowed me to qualify for the kind of money and rate that was the best “fit” for me. A home is such a special need situation that the tension of qualifying and choosing financing can be overwhelming…but you coached me through it, step by step, and it didn’t seem so hard anymore. You explained clearly what I was signing, what needed to be done, the time lines, the money outlay, and what I could expect as an outcome. You were respectfully there for me throughout the whole process…Thank You!”

Nick and Mary
San Jose, CA

What a relief!! We didn’t know if you could pull it off because of the bankruptcy last year but you did!!! Now we have paid off our other debts and got a new start on life.

Rialto, CA

Hello Mr. Loan Officer! Thank you very much for all of your help support in preparing all of my loan documents. I got my check last week. Now, I can breathe, smile and sleep well! God is really good & great!

Bob and Tammy
Yuba City, CA

Kevin, we wanted to thank you for doing such a wonderful job with our whole closing process. Thanks for answering all of our questions, you made everything go very smoothly. Thanks again!

Grass Valley, CA

The first thing that Kevin’s customers will experience is his attention to detail. His ability to listen and capture people’s true needs is exemplary. I have recommended Kevin personally to others several times and will continue to do so.

Cameron Park, CA

Kevin and his team have done several loans for my family. As an owner of a few different businesses we have very unique requirements and need someone who knows the financial industry. I would recommend Kevin to everyone and I have. He is creative, resourceful but maintains a high level of integrity. Not only can he help your purchase your real estate but can also help you keep it in these hard times!

Karen Catania

Kevin and his team have done a great job helping our clients with their loans to purchase a home. They are always professional and provide updates along the way. I can always count on him to answer our calls and make the process as stress free as possible!

Terence Springer

Kevin is a true professional. I have worked with Kevin as a lender for several of my clients he went well above and beyond, during and after the close of the escrow. When you choose Kevin to be your lender, you quickly become more than a client, you become a friend. His knowledge of lending and the service he provides his clients is second to none. He explains all of the loan options a client has upfront with no hidden agenda. So you really get more than just a lender with Kevin when you enlist his distinctive loan proficiency, you get a trusted advisor.

Mark Rodgers
IT Project Manager

I have done over 15 loans with Kevin Fritz and Iron Point Mortgage over the last seven years, and they have always done an outstanding job going above and beyond my expectations.

Patsy M.

The Iron Point Mortgage team is really dedicated to help you get your home. They did my daughter’s mortgage for her first home and it was not an easy lift. She fell in love with a short sale home. It took a long time to get through the process but Kevin and his team hang in there making sure she got her loan and ultimately her dream home. I highly recommend Iron Point Mortgage and Kevin Fritz. If there is a way, they have the will to get it done. It helps to have a loan officer that cares as much as they do!

Morgan L.

Kevin is a knowledgeable, friendly, and -on-top-of-it mortgage broker. He offers many different programs for any type of home buyer or refinancer. As a Realtor, I find it extremely important to work with a mortgage broker that can communicate in a timely fashion and give you answers in common language (no lingo). It’s important for the home buyer to have a team behind them – Kevin is definitely a team player. Also, his assistant Sarah is extremely helpful and knowledgeable herself. This is a dynamic duo that I highly recommend.

Josh R.

Where do I start? In the last year, Kevin has turned our life around by getting us into our first home AND refinancing not once, but TWICE, in deals that saved us a ton of money, ALL IN FIFTEEN MONTHS! He knows the business inside and out and benefits from an amazing team that truly has had our best interests at heart through each deal. Fast, informative, friendly, accessible, responsive, super smart (Cal Berkeley grad)…and most importantly, the whole team is FUN! I highly recommend Iron Point Mortgage as your one stop shop for any type of mortgage need.

Casey M.

Kevin is an outstanding lender. His entire team is very knowledgeable and quick to respond to any questions that you may have. Kevin is very informative to the different loan programs that are available as well as refinancing. Kevin is a genuinely good person who puts his clients best interests before all else and a great contributor to our community. I would highly recommend Iron Point Mortgage to anyone looking to purchase or refinance a home.

Rick W.

While working with Kevin, I have been constantly impressed. He knows the business cold. He delivers what he says he will. He gives the kind of attention you’d hope for from a close relative in the business. He is a true pro.
The team handling all the behind the scenes details are smooth, efficient, and friendly.
I guess the real measure of satisfaction is “would you refer this person to someone who is important to you?” In my case, the answer is “Yes.” I have Kevin helping my sister refinance her home right now. I know she will be as pleased with everyone’s performance as I am. On a scale of 1 to 5, Iron Point Mortgage is definitely a 6.

Pat M.

Kevin and his team just helped me refinance my home..we converted it from a USDA loan to a conventional loan….The process was flawless . The fact that I work out of town created more than usual problems… The team went beyond themselves to get things done.. Couldn’t have asked for a better experience.

Nathan M.

I’ve worked with Kevin now on several transactions over the past few years, and I can say he’s honest and trustworthy. He’s made the experience as easy as it can be. He always takes the time to answer all my questions. We recently refinanced our home with Kevin and the whole process was very smooth. Kevin looked at our complete financial situation and offered the solution that worked best for us. In our case we needed to consolidate some student loan debt. We’re now saving about $400 a month! Kevin and his team communicated extremely well with us during the whole process. I would highly recommend Kevin and the Iron Point Mortgage team.

Cindy H.

Kevin Fritz is ‘Top Notch’. That is not said lightly. He is a Mortgage Broker who understands how to navigate our complicated Real Estate Market – successfully. He is able to deliver a home loan with a seemless process. He has put together a path that makes it easy for his clients and solid for his realtors. He understands the value of home ownership. He is compassionate, forward thinking, solution oriented and aggressive. You want him in your corner to get your deal done and help you step into your dream home. Trust me, I know.

Scott D.

Kevin has helped me purchase my first home and has since helped me refi. He is amazing at what he does. We are self employed so our loans were much more difficult to process and get funded. Kevin has the expertise and knowledge (and connections) to make almost any loan possible… especially if he can fund mine.  Honest and responsive. You will NEVER regret calling Kevin and Iron Point Mortgage.

Ian M.

I have nothing but outstanding things to say about Kevin and his staff. Kevin was recommended to me by my coworker and I couldn’t have been happier. He made my first time home buying experience a breeze because he walked me through every step and answered every question I had in language that I actually was able to understand. I was very impressed by his responsiveness and the fact that he really cares about who he’s working for. I was extremely nervous about buying my first home but Kevin and his staff have made me so worry free with the way my mortgage is set up. I bought my house almost a year ago and he is still willing to answer my phone calls or my emails. He has never given me the feeling that he’s too busy for me. I won’t buy another home in this area without calling Kevin first.

Kyler B

Kevin and his staff were incredibly helpful and informative in the process of obtaining a home loan. He works hard and always returns phone calls. I took a chance by contacting him after finding his business through Yelp, and it more than paid off. Definitely give Iron Point Mortgage a call if you are looking for a loan.

Mike K.
Financial Planner

I met Kevin a few months ago after being referred to him by another colleague and have gotten to know him quite well. Several weeks ago, I referred him to one of my clients who I have known for the past ten years and consider to be as close as family. From the moment he met them, I could see the instant connection and that I’d made an extremely smart decision in bringing him in to help them out on the refinance of their mortgage. We’ve all had times when you’ve brought someone in to “help” a friend, family member, or client and that someone turned out to be not so good, or more about helping themselves than the client. I’ve met hundreds of mortgage brokers in my fifteen year career, count a number of them as friends, and Kevin stands out so far from them professionally, it’s not even close. My clients are in their 70’s and it means everything to me to know that they are in good hands. It’s nice to finally have someone that truly makes a difference and cares about the people who he works for. It’s even better to know that whenever someone I know needs a mortgage, he’ll be the first person that I’ll call.

Howard M.

I met Kevin and was working with another lender and Kevin was so helpful, I asked him to take over my account, which he politely declined, because he did not want to rock the process. I could not believe this, that is when I started a partnership with him. Kevin is a true pro.

Crystal Francis

Kevin and Sarah are awesome to work with! Kevin is excellent at what he does. He listened to our financing goals and provided loan products that fit our objectives. He was excellent in talking us through our options. Sarah is amazing at helping your transaction go smoothly. She is organized and responsive to communications. We closed our purchase exactly on time (with a 25 day close) – as smooth an escrow as we could have asked for. We highly recommend Iron Point Mortgage!

Marc M.

I called several lenders to find out if I could qualify for a loan for an investment property. I called big banks, and big name mortgage companies. I could not find a lender who thought I could qualify for the loan. Then I called Kevin. Kevin found a way that would allow me to get the loan. He is an excellent communicator, and took the time to understand my specific needs. He and his assistant, Beth, were very helpful in helping me with the paper work. I am impressed with the excellent customer service. Kevin worked extra hard the day after New Years Day, to give me my loan approval so that I could make an offer on the property. When I told Kevin that I was unable to buy the property I felt bad, after he had done so much work for me. But he replied very graciously and thanked me for working with him. I hope to work with him in future real estate transactions.

Laurie and David H.

We were referred to Kevin Fritz and Iron Point Mortgage through our daughter, Sierra. At the time, we didn’t even think we would qualify for a home loan, however, after discussing our scenario with Kevin, he suggested we pursue a VA loan. We were both skeptical whether this was even a realistic possibility. Within a few days we were qualified for the loan and closed on our home 30 days later. Amazing! We have since referred Iron Point Mortgage to our other two daughters who have also financed a home loan with Kevin. We highly recommend using Iron Point Mortgage as your lender as we have used them twice on home purchases now. Each time Kevin was able to deliver on closing as promised. Thank you Kevin, Sarah & Iron Point Team! We are loving our home! David & Laurie H.

Chasity A.

Kevin was highly recommended by our realtor. Kevin listened attentively to our financial situation and needs before coming up with several scenarios that he then thoroughly explained in order to help us choose the right one for us. We found a house much faster than anticipated and Kevin was able to help get everything in place in time. He was great at normalizing the process and setting realistic expectations along the way for first time home buyers. Kevin and his team were very responsive to our needs and to our feedback throughout the entire process, making sure everything went smoothly. We strongly encourage using Kevin and his team!

Colleen Shannon

Kevin and his team are definitely “Woohoo! As good as it gets!” This is a company that really knows the industry and takes the time to know their clients as well. This combination enables them to put the best loan package together for each individual client. They are quick to respond to emails, texts, or phone calls and are as professional as it gets. I cannot recommend them highly enough!

In my situation, we were attempting to buy a house only 2 years after a short sale. Kevin advised us this would be difficult, so we made the terrible mistake of going with a different broker who just told us what we wanted to hear. When this broker left us hanging with no loan on day 29 of our 30 day escrow, Kevin and his team swept in to save the day. We were able to extend escrow by another 30 days while Iron Point Mortgage worked tirelessly to bail us out – and they did it all with a happy attitude and no “I told you so.”

These outstanding professionals went above and beyond to meet deadlines and secure reliable funding for us. Sarah would bring papers to our house or business for signatures. She also did a great job at keeping us updated via email and text message. You can only imagine how stressed out we were after the first loan fell through, but Sarah’s calming influence kept us grounded and Kevin’s optimism kept us hopeful. When we finally closed, we had Kevin and Sarah over for dinner to show our appreciation. They are great people as well as great brokers. We are already planning to refinance our house with Iron Point Mortgage once the short sale falls off our credit.

Lois L.

Kevin and his team excel at communicating with their clients. I have never had a mortgage company be so efficient. There was never a moment when I did not know exactly what was going on with our loan. Our refinance was completed very quickly, efficiently and with constant communication. Great job! I would highly recommend them!

Neil H.

Kevin and his team are great. I’m a first time buyer and starting out I wasn’t sure I was at a point in my life that I could make it a reality. I had heard about USDA loans and did some research. It seemed like a good way to go. I called a couple larger banks and they were not interested in or did not use the USDA loan program. I found Iron Point right here on Yelp and shot them an email. The next day I was in Kevin’s office and let me tell you he knows his stuff. The USDA loan ended up being perfect for me but we covered all of my options. I felt very comfortable that I was in good hands and they were always straight with me. Kevin and his wife Sarah were on the ball. They always were prompt at returning calls, texts, and emails. They were happy to answer any questions and made the whole process go smoothly. I’m in my new home and my payment is lower than my rent was in my one bedroom apartment! If you’re interested in buying a home you owe it to yourself to give these guys a call. I couldn’t be happier that I did.

Julie Phillips

If you are looking for a Lender this is the person you need to call. Kevin and his team are professional, great to work with and extremely knowlegeable. They work tirelessly to get you the best package that will work for you. I cannot recommend them highly enough. You will not be disappointed.

Anya W

Kevin and his team are top notch! I can’t express enough how Iron Point Mortgage made our home buying experience so great. I highly recommend them. They are timely, professional and value you as a client. Thank you Kevin and Leah and team! You guys rock!

Call: (916) 985-3200

Branch Manager/ Loan Officer


O: 916-985-3200 x101
C: 916-730-1988
F: 916-583-7400


Contact Kevin


Folsom, CA

Home Loans | Refi | Great Rates