Expertise.com

2024

Last updated:

Best Mortgage Brokers in Fairfield

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fairfield Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

33Reviewed

22Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5230 Country Lane, Napa, CA 94558
WebsiteLicense: 250696

Expertise.com Rating

Review Sources

Yelp
5.0 (27)
Facebook
5.0 (1)
Zillow
5.0 (1)

Why choose this provider?

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.

  • Reverse Mortgages

300 Broadway Street, Vallejo, CA 94590
WebsiteLicense: 285286

Expertise.com Rating

Why choose this provider?

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.

  • Refinance

2591 Marshfield Road, Vallejo, CA 94591
WebsiteLicense: 276557

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Refinance
  • New Construction

490 Chadbourne Road Ste A132, Fairfield, CA 94534
WebsiteLicense: 310302

Expertise.com Rating

Review Sources

Google
4.9 (30)
Facebook
5.0 (22)

Why choose this provider?

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.

  • Reverse Mortgages

490 Chadbourne Road Suite A147, Fairfield, CA 94534
WebsiteLicense: 1224692

Expertise.com Rating

Review Sources

Google
5.0 (110)
Yelp
5.0 (85)
Facebook
4.9 (41)

Why choose this provider?

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.

  • Refinance

Fairfield, CA
WebsiteLicense: 1859425

Expertise.com Rating

Why choose this provider?

Network Independent Mortgage Brokers has been helping Fairfield customers secure home loans and refinancing for more than 29 years. It is owned and operated by George R. Kalis, an NMLS-certified mortgage broker and veterans loan specialist. Through mortgage refinancing, Kalis and his loan officers help customers get lower interest rates, reduced monthly payments, lower closing costs, and cash-out equity. The company also helps client convert their existing adjustable-rate mortgage to fixed-rate mortgages, which is more stable over time.

  • New Construction

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.