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2024

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Best Mortgage Brokers in Napa, CA

Our Recommended Top 11

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 Napa Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

30Reviewed

22Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5230 Country Lane, Napa, CA 94558
WebsiteLicense: 135622

Expertise.com Rating

Review Sources

Yelp
5.0 (20)

Why choose this provider?

Napa Valley Lending serves the locals in and around the metro. It offers mortgage refinancing solutions to clients who are first-time home buyers, purchasing their dream home, consolidating their debts, or refinancing an outstanding loan. Some of these include loan programs such as FHA, VA, home equity, cash-out home, and jumbo. Branch manager, Ellen Kohagura, is a senior loan officer who has been with the company since 2002. Napa Valley Lending works in partnership with more than 100 approved lenders.

  • New Construction

1001 2nd St #295, Napa, CA 94559
WebsiteLicense: 254469

Expertise.com Rating

Review Sources

Facebook
4.3 (6)
Google
5.0 (1)

Why choose this provider?

Del Sur Mortgage caters to the people of Napa and nearby areas. It guides homebuyers throughout the real estate purchase process, presenting them with home loan options. It also offers refinancing services to help clients decrease their monthly payment rates or cash out accrued home equity. The company has been helping individuals and families secure homes for more than 19 years. Its experts provide one-on-one assistance to address the bespoke financial concerns of its customers.

  • Refinance

1832 Soscol Ave, Suite #111, Napa, CA 94559
WebsiteLicense: 1729528

Expertise.com Rating

Why choose this provider?

Shamrock Mortgage Solutions assists Napa individuals and families in purchasing residential or commercial properties. The company helps homebuyers and mortgage borrowers throughout the real estate buying and selling process. It deploys products such as reverse mortgages, ARMs, FHA loans, and home equity line of credit loans. Manager Sean Marek is a second-generation mortgage broker who has been in the real estate industry for over 17 years. He has experience with financing multi-family properties, wineries, and apartments.

  • Refinance

177 Military East, Benicia, CA 94510
WebsiteLicense: 290779

Expertise.com Rating

Review Sources

Facebook
5.0 (95)
Yelp
5.0 (79)
Zillow
5.0 (42)

Why choose this provider?

Monica Jones is a branch manager at CrossCountry Mortgage, catering to the homeownership goals of the Napa community. She and her team analyze homebuyers' needs and priorities to design financial programs involving VA, FHA, jumbo, and renovation loans. They deploy tax-saving and investing strategies, provide pre-approval assistance, and guide clients from the initial discussion to escrow document signing appointments. She holds a degree in business and economics and has been in the mortgage industry since 2003.

  • Refinance
  • New Construction

3514 Baxter Avenue, Napa, CA 94558
WebsiteLicense: 845079

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (10)
Yelp
5.0 (6)

Why choose this provider?

Since its establishment in 1986, Custom Lending Group has been providing financial solutions to borrowers in Napa. It offers FHA, VA, HARP, first-time homebuyer, and interest-only programs. The company also assists in matters involving down payments, reverse mortgages, refinancing, and commercial real estate loans. Owner Dale DiGennaro has been with the company from the start and served as the president of the State Mortgage Association since 2010. He is part of the California Association of Mortgage Professionals and NAMB.

  • Refinance

850 Merchant Street Suite A, Vacaville, CA 95688
WebsiteLicense: 238890

Expertise.com Rating

Review Sources

Facebook
4.9 (19)

Why choose this provider?

Doug Pyne, from Caliber Home Loans, serves the neighborhoods in and around Napa. He provides a wide range of mortgage loan solutions such as conventional, FHA, VA, USDA, and the Smart Series, which include SmartEdge, SmartSelf, and SmartVest. The agent also offers special support to the men and women of the U.S. Armed Forces by delivering Veteran Affairs loans and benefits. Pyne has been in the financial industry since 1992 and has operated the branch as its manager since 2002.

  • New Construction

1421 Guerneville Road, Suite 100, Santa Rosa, CA 95403
WebsiteLicense: 279091

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Bernie Peacock is a mortgage broker with GTG Financial, Inc. who serves individuals and families in Napa and the surrounding areas. He provides a variety of mortgage programs, including 30-year and 15-year fixed-rate, adjustable-rate, and jumbo loans. He also assists with government programs such as FHA, FHA 203k, VA, and USDA loans. In addition, he offers different types of refinancing programs. Bernie Peacock has been working in the mortgage industry for more than two decades.

  • Refinance
  • New Construction

Napa, CA
WebsiteLicense: 287257

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Mitchell Mortgage has been catering to the financial and home needs of borrowers in Napa for more than 25 years. Its team handles various types of programs like conventional, jumbo, VA, FHA, and conforming loans. It also assists clients who are interested in state and local housing programs. Its owner, Michael Mitchell, is an independent mortgage broker who offers his clients options that meet their needs using his flexibility in obtaining multiple rates and terms available in the market.

  • Refinance

630 Davis St Suite 200, Vacaville, CA 95688
WebsiteLicense: 71025

Expertise.com Rating

Review Sources

Google
5.0 (54)

Why choose this provider?

Edward Nakamura is a branch manager at Finance of America Mortgage and serves the homeownership goals of the Napa community. He and his team assist clients in searching for homes and matching mortgage products such as veteran loans, reverse mortgages, and non-traditional programs. In addition, they aid homebuyers in choosing from different options by providing educational resources on real estate financing and decision-making tools. Nakamura has been offering mortgage solutions for more than 30 years.

  • New Construction

1290 Jefferson St #D, Napa, CA 94559
WebsiteLicense: 1997437

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (6)

Why choose this provider?

Napa Mortgage serves borrowers in the local community. The mortgage company offers brokerage services to clients and real estate agents who are looking for home purchasing and refinancing programs. Its streamlined solutions include conventional, jumbo, VA, and FHA loan products. The locally owned brokerage provides commercial lending options like hard money, short-term, bridge, and long-term SBA solutions for approved clients. Napa Mortgage's loan officer, Andrew Peterson, also serves the California state as an insurance broker.

  • Refinance

1129 Industrial Ave., Petaluma, CA 94952
WebsiteLicense: 277718

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Greg Wilcox is a certified mortgage advisor who caters to customers in the Napa community. He represents Northbay Home Loans, providing mortgage lending and refinancing services. Wilcox works with first- and second-time home buyers, addressing their concerns throughout the process. He examines his clients' unique situations and assists them in obtaining a low-interest mortgage. Wilcox also works with clients who want to refinance their homes and those who want to buy real estate for investment purposes.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Napa Valley Lending
5230 Country Lane, Napa, CA 94558
Del Sur Mortgage
1001 2nd St #295, Napa, CA 94559
Shamrock Mortgage Solutions
1832 Soscol Ave, Suite #111, Napa, CA 94559
Monica Jones
177 Military East, Benicia, CA 94510
Custom Lending Group
3514 Baxter Avenue, Napa, CA 94558
Doug Pyne
850 Merchant Street Suite A, Vacaville, CA 95688
Bernie Peacock
1421 Guerneville Road, Suite 100, Santa Rosa, CA 95403
Mitchell Mortgage
Edward Nakamura
630 Davis St Suite 200, Vacaville, CA 95688
Napa Mortgage
1290 Jefferson St #D, Napa, CA 94559
Greg Wilcox
1129 Industrial Ave., Petaluma, CA 94952

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.