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Northeast California

BBB Accredited Business since

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Comstock Mortgage meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Comstock Mortgage include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 1 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Comstock Mortgage
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: January 09, 1992 Business started: 09/21/1990 Business started locally: 09/21/1990 Business incorporated: 09/21/1990 in CA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

CA Bureau of Real Estate
1651 Exposition Blvd., Sacramento CA 95815
Phone Number: (877) 373-4542
Fax Number: (916) 263-8943

Type of Entity


Business Management
Mr. Craig Sardella, Production Manager
Contact Information
Principal: Mr. Craig Sardella, Production Manager
Business Category

Mortgage Brokers Financing Consultants Financing

Alternate Business Names
Sacramento 1st Mortgage, Inc.
Products & Services

Comstock Mortgage specializes in mortgage related services.

Additional Locations

  • 2250 Del Paso Rd Ste A

    Sacramento, CA 95834 (916) 575-9740

  • 3001 Lava Ridge Ct Ste 160

    Roseville, CA 95661 (916) 367-7100

  • 3626 Fair Oaks Blvd Ste 100

    Sacramento, CA 95864 (916) 724-5800

  • 3840 El Dorado Hills Blvd Ste 101

    El Dorado Hills, CA 95762

  • 404 2nd St

    Davis, CA 95616 (530) 753-8980


    4133 Mohr Ave Ste G

    Pleasanton, CA 94566

  • 4211 Freeport Blvd.

    Sacramento, CA 95822 (916) 753-4333

  • 8788 Elk Grove Blvd Ste 15 Bldg 3

    Elk Grove, CA 95624 (916) 714-1430


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Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
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  • Guarantee or Warranty

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BBB Complaint Process

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Additional Phone Numbers

  • (916) 974-2900(Phone)
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Complaint Detail(s)

7/23/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: We contacted the Roseville,CA office for a 1st mortgage and they requested 3 years tax returns, W-2's and current pay stubs.We explained our situation with a short sale in the previous year.We were told that our "file" would be given to an underwriter to actually go over to see if there was a loan to "fit us".After a few days we were contacted and were told that we were preAPPROVED not prequalified for a 1st mortgage.So to "go out and find a house".Which we did.When our real estate agent contacted the loan rep,He was told that we were preapproved and that we could probably close escrow as soon as 30 days.Our RE agent asked for a preapproval letter and one was emailed to him that day.We negotiated our sales price for $2000.00 more that we wanted because the seller wanted to close in 30 days and we felt that we were not "positive" that any loan could close that quickly,so we agreed to 40 days at a $2000.00 increase in the price.We then ordered our reports,Title,Pest & Home/HVAC.We paid for all of them and had them done in 5-8 days.During that time the sellers,being honest people,did some minor repair's that were mentioned in the Home inspection.Our RE agent and myself began to start calling Comstock mortgage because we had not heard from them regarding our loan.After several days of not hearing from our loan agent our RE agent sent her an email requesting status of our loan. She finally got back to him via phone,he gave her a bit of a "lashing" for not staying in contact. He told her that the sellers wanted the to know about the appraisal.So she said she would order it.But that we would need to pay for it.We said OK.The appraisal came in and we were good.Several more days passed before we heard from the loan agent so our RE agent called the loan agent's manager and told him about the lack of professionalism and communication.Within the day or so that it took to finally find out what was going on,we were told NOT to release contingencies.Several days later we were told that we were not approved.

Desired Settlement: We found out that due to the "type" of loan that we were "supposedly" approved for we did not have the necessary "20%loss" of income that was needed. Comstock should have known this from the very beginning! of this process. When we provided the 3+ years of tax returns and W-2's. We are seeking a refund of the reports that we paid for. Home/HVAC, Pest and appraisal. We are letting Comstock off easy with only a refund of those items that we paid for not to mention the RE agents time and the sellr

Business Response:

My name is **** ***** and I am the Compliance officer for Comstock Mortgage.  Mr. ******** has forwarded your email to me regarding your loan application submitted to our company and I would like to provide some explanations and offer apologies for any inconveniences caused by Ms. ****** ****** in the way she communicated your application progress.

It appears that a prequel review of your file was performed by the underwriter and the underwriter turned down your application on June 2nd, 2014, due to the FHA guideline which states “There must be a period of Three years passed after a short sale in order to qualify for a new home purchase”.

I hope that Ms. ****** communicated this to you and I will be speaking with her to find out the reasons for the delay in her response to you and the root cause of the issue. I also like to assure you that Comstock Mortgage takes every consumer issue very seriously and we strive to provide the best customer service to our clients at all times. I will do more research on this very issue and I will inform you of any new findings I may find. In the meantime, if you should have any questions please contact me.


Thank you,


**** *****

Vice President - Compliance officer

Comstock Mortgage



BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved