Expertise.com

Best Mortgage Brokers in Vacaville

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Mortgage Brokers FAQs 〉

Providers

Last updated:

Website
630 Davis St suite 200, Vacaville, CA 95688
  • Refinance

Why choose this provider?

Edward Nakamura caters to home purchasers in Vacaville who seek mortgage brokers. He operates under the Finance of America Mortgage banner and refinances existing real estate obligations into more manageable forms. The agent also delivers loan programs that include government products for members of the military, as well as reverse mortgages fit for senior citizens. Edward offers educational modules online that teach the various aspects of property transactions, such as their estate planning uses and accounting-related processes.

License Verified:

License: 71025

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (54)

Website
233-A Dobbins Street, Vacaville, CA 95688
  • Refinance
  • New Construction

Why choose this provider?

Kappel Mortgage Group Incorporated is a brokerage firm that has been serving clients in Vacaville and the surrounding areas since 2004. It offers different mortgages for purchase and refinance transactions, including jumbo, FHA, VA, and cash-out home loans. It provides country, state, and local government programs to those who want lower upfront fees and interest rates. The company is headed by Ted Kappel, who has been in the mortgage industry since 1995. It also has a real estate marketplace.

License Verified:

License: 293531

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.8 / 5 (45)
Yelp
4.5 / 5 (19)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
707 Merchant Street, Vacaville, CA 95688
  • Refinance

Why choose this provider?

Downtown Lending Group serves clients in and around the Vacaville community. It offers a variety of loan products, such as adjustable-rate, fixed-rate, and hybrid, monthly, and annual ARM loans. It guides home buyers and current homeowners planning to refinance their mortgages for home remodeling projects. Its team assists clients throughout the loan application process and provides them with regular updates through phone or email. Deanna Shimboff, senior loan consultant at the company, has been in the mortgage brokerage industry since 2005.

License Verified:

License: 230201

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (148)
Yelp
5.0 / 5 (10)
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4234 Hacienda Drive #110, Pleasanton, CA 94588
  • Refinance
  • New Construction

Why choose this provider?

Deb Sundlie-Osborn is a senior loan officer at United Lending Partners. Deb specializes in mortgage services to help individuals purchase homes in Vacaville and the surrounding areas using various loan programs with fixed or adjustable rates. These loan programs include jumbo and super jumbo, conforming, USDA, FHA, and VA. She also allows clients to choose loan terms ranging from five to 30 years. Deb has more than two decades of experience handling mortgage matters of home buyers and owners.

License Verified:

License: 247830

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (49)
Zillow
5.0 / 5 (11)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
338 Cernon Street, Vacaville, CA 95688
  • Refinance

Why choose this provider?

Dream Team Lending is a Vacaville-based brokerage that offers its program options to local applicants. It is headed by Loli Martinez Lonso and Alix Pate, who have at least three decades of collective experience in providing various loaning choices for homebuyers, sellers, and property investors. Their recommendations are canvassed and adjusted based on criteria derived from comprehensive assessments of marketing conditions and mortgage rate changes. They are affiliates of the Women's Council of Realtors and the Northern Solano County Association of Realtors.

License Verified:

License: 287454

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (120)
Google
5.0 / 5 (65)
Zillow
5.0 / 5 (12)

(+1 additional source)

Website
233 Dobbins St A, Vacaville, CA 95688
  • Refinance
  • New Construction

Why choose this provider?

Jody Ballard is a mortgage broker who caters to clients in Vacaville. She offers loan programs to individuals and families looking to build, purchase, or refinance their homes. Some of the loan options she provides are 15- or 30-year fixed, jumbo, FHA, and VA loans. She also helps senior adults apply for reverse mortgages, which allow them to pay off their existing loans by giving them access to their home equity. Ballard is affiliated with Kappel Mortgage Group.

License Verified:

License: 1170908

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Zillow
5.0 / 5 (11)
Google
5.0 / 5 (4)
Yelp
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
406 Main Street, Vacaville, CA 95688
  • Refinance

Why choose this provider?

Citizens Financial is a mortgage brokerage firm catering to individuals and families in Vacaville. The company guides residential property buyers in each step of their mortgage journey. It implements specialty financing programs for clients buying their first homes, individuals looking for multi-million dollar loans, and borrowers considering refinancing. Citizens Financial was established in 2015 and offers customized programs for local law enforcement agencies, armed forces, and first responders. It has offices in Northern and Southern California.

License Verified:

License: 1401042

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (18)
Facebook
4.7 / 5 (14)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
342 Merchant St, Vacaville, CA 95688
  • Refinance

Why choose this provider?

Brickhouse Mortgage, Inc., attends to the needs of homeowners and homebuyers in Vacaville and nearby areas. It assists clients through the home loan process, whether they are planning to purchase a single-family home, multi-family residence, condo, or townhouse. FHA, VA, and jumbo are some of the loan programs it offers. It also provides USDA loans, catering to individuals looking to acquire properties in suburban locations. Additionally, adjustable-rate, interest-only, and graduated payments mortgage options are available.

License Verified:

License: 2975

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (7)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1115 Stratford Ave, Suite D, Dixon, CA 95620
  • Refinance

Why choose this provider?

Almond Tree Mortgage handles the needs of first-time, second home, and investment buyers in Vacaville and the neighboring areas. The company specializes in various mortgage programs, which include conventional, FHA, USDA, and VA loans. Its team of loan officers and processors has experience providing customers with communication and follow-ups and helping them navigate the whole mortgage process and avoid common mistakes. Almond Tree Mortgage has been helping customers with their home loan needs for nearly 20 years.

License Verified:

License: 1845124

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (27)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • 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.