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Best Mortgage Brokers in Fairfield

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1st Credential Mortgage Inc logo

1st Credential Mortgage Inc

300 Broadway Street, Vallejo, CA 94590
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  • Refinance

1st Credential Mortgage, Inc., offers various loan programs to individuals and families from the Fairfield metro. Its staff offers VA, FHA, and conventional programs, along with home equities and refinancing opportunities. It draws comprehensive information from the real estate and mortgage markets to provide clients with the necessary data to help them measure their loan options in line with their financial means. It assesses an applicant's credit and employment histories, as well as preferred payments, terms, and potential lenders in the industry.

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Bay Area Mortgage Pros logo

Bay Area Mortgage Pros

2591 Marshfield Road, Vallejo, CA 94591
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  • Refinance

Bay Area Mortgage Pros provides services to clients across Fairfield and the neighboring areas. The agency helps individuals purchase residential properties, such as townhouses, condominiums, and single-family and multi-family homes using mortgage loan programs, including FHA, USDA, and VA. It also assists clients in refinancing their mortgage loans to lower their interest rates, consolidate debts, reduce monthly payments, and take cash out for home improvement. The agency has been operating in the community since 1992.

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Home Loans by Ed Esteban logo

Home Loans by Ed Esteban

490 Chadbourne Road Ste A132, Fairfield, CA 94534
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  • Reverse Mortgages

Home Loans by Ed Esteban addresses inquiries and concerns involving mortgage applications from clients within the Fairfield metro. Esteban employs comprehensive consultations where he assesses each prospective applicant's existing loans and credit scores to determine their qualifications for specific mortgages. He scrutinizes requirements, provides comparisons between different programs, and draws relevant information from changes in the real estate market and prevailing interest rates. His options offer coverage opportunities for various domestic and financial endeavors, including home improvement, debt consolidation, and retirement planning.

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Jai Ramaiya logo

Jai Ramaiya

2591 Marshfield Road, Vallejo, CA 94591
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  • Refinance
  • New Construction

Jai Ramaiya is a mortgage broker serving clients in Fairfield. She offers various mortgage loan programs to homeowners and first-time home buyers, including conventional, renovation, and cash-out refinance, as well as VA and FHA. Jai has been a Solano County resident since 1987, providing her with a thorough understanding of the local market. She also works with Realtors in the area and has access to several lenders to help clients achieve their mortgage goals. Jai has more than 30 years of industry experience.

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JNucum Home Loans logo

JNucum Home Loans

490 Chadbourne Road Suite A147, Fairfield, CA 94534
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  • Refinance

JNucum Home Loans serves property seekers in Fairfield and its surrounding communities. The facility offers multiple loan programs, such as USDA, HARP, FHA 203K, conventional, VA, and jumbo loans. Founder and owner Jeanine Nucum assists first-time homebuyers throughout the process. She had held roles in several departments in the mortgage trade, including consumer sales, recruiting and marketing, development of mortgage technology, and post-closing. She has been working in the industry for more than 20 years.

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Napa Valley Lending logo

Napa Valley Lending

5230 Country Lane, Napa, CA 94558
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  • Reverse Mortgages

Napa Valley Lending provides home financing solutions to clients in Fairfield and nearby areas. Its mortgage brokers help borrowers who want to refinance their outstanding loans for different reasons, such as consolidating debts, lowering monthly payments, or modifying loan terms. They also help families achieve their dream homes through various mortgage programs, including jumbo, FHA, and VA loans. Construction, commercial, and investment lending options are also available. Ellen Kohagura, the company's branch director, is a member of the North Bay Association of Realtors.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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