Best Mortgage Brokers in Vacaville

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Mortgage Brokers FAQs

Learn more
Almond Tree Mortgage logo
Visit WebsiteWebsite

License Verified:

License: 1845124

Nationwide Multistate Licensing System and Registry

Almond Tree Mortgage

1115 Stratford Ave, Suite D, Dixon, CA 95620
Visit WebsiteWebsite
  • Refinance

Business Description

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Brickhouse Mortgage, Inc logo
Visit WebsiteWebsite

License Verified:

License: 2975

Nationwide Multistate Licensing System and Registry

Brickhouse Mortgage, Inc

342 Merchant St, Vacaville, CA 95688
Visit WebsiteWebsite
  • Refinance

Business Description

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
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
Citizens Financial logo
Visit WebsiteWebsite

License Verified:

License: 1401042

Nationwide Multistate Licensing System and Registry

Citizens Financial

406 Main Street, Vacaville, CA 95688
Visit WebsiteWebsite
  • Refinance

Business Description

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.
5.0
Yelp
5.0 / 5 (17)
Google
5.0 / 5 (2)

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
Deb Sundlie-Osborn logo
Visit WebsiteWebsite

License Verified:

License: 247830

Nationwide Multistate Licensing System and Registry

Deb Sundlie-Osborn

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

Business Description

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

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
Downtown Lending Group logo
Visit WebsiteWebsite

License Verified:

License: 230201

Nationwide Multistate Licensing System and Registry

Downtown Lending Group

707 Merchant Street, Vacaville, CA 95688
Visit WebsiteWebsite
  • Refinance

Business Description

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
Yelp
5.0 / 5 (10)

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
Dream Team Lending logo
Visit WebsiteWebsite

License Verified:

License: 287454

Nationwide Multistate Licensing System and Registry

Dream Team Lending

338 Cernon Street, Vacaville, CA 95688
Visit WebsiteWebsite
  • Refinance

Business Description

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 (64)
Jody Ballard logo
Visit WebsiteWebsite

License Verified:

License: 1170908

Nationwide Multistate Licensing System and Registry

Jody Ballard

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

Business Description

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.
5.0

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
Kappel Mortgage Group Incorporated logo
Visit WebsiteWebsite

License Verified:

License: 293531

Nationwide Multistate Licensing System and Registry

Kappel Mortgage Group Incorporated

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

Business Description

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 (25)
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
Legacy Group logo
Visit WebsiteWebsite

License Verified:

License: 66247

Nationwide Multistate Licensing System and Registry

Legacy Group

133 D Street Suite F, Davis, CA 95616
Visit WebsiteWebsite
  • Refinance
  • New Construction

Business Description

Legacy Group serves people in Vacaville. It helps its clients develop a plan for one of the biggest investments in their life. It assists them with purchasing their dream homes by offering various mortgage products. These include conventional, jumbo, FHA, USDA, and VA loans. The company also provides refinancing options for homeowners who are looking to consolidate debts, pay off their mortgage faster, or reduce their monthly payments. Nate Pina, the division manager, holds the Certified Military Home Specialist and Military Mortgage Specialist designations.

License Verified:

License: 66247

Nationwide Multistate Licensing System and Registry

Mortgage Masters of California logo
Visit WebsiteWebsite

License Verified:

License: 1928590

Nationwide Multistate Licensing System and Registry

Mortgage Masters of California

338 Cernon Street, Vacaville, CA 95688
Visit WebsiteWebsite
  • Refinance

Business Description

Mortgage Masters of California caters to the funding needs of homebuyers and struggling borrowers in Vacaville. It links clients to different lending options, including fixed-rate, adjustable-rate, HARP, jumbo, and government-guaranteed programs. The mortgage broker handles pre-approval assessment, refinancing analysis, property valuation, and payment computation. Its loan officers prepare personalized quotes tailored to clients' specific goals and needs. Company founder Jim Modar has been working in the industry since 2005. He strives to find financing solutions for clients with challenging circumstances.

License Verified:

License: 1928590

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 (55)
Facebook
5.0 / 5 (21)
Yvette Phillips Thomas logo
Visit WebsiteWebsite

License Verified:

License: 294675

Nationwide Multistate Licensing System and Registry

Yvette Phillips Thomas

338 Cernon Street, Vacaville, CA 95688
Visit WebsiteWebsite
  • Refinance

Business Description

Yvette Phillips Thomas is a mortgage broker who caters to clients in the Vacaville metro and the surrounding areas. She works with first-time homebuyers and seasoned real estate investors and helps them build equity and stabilize their housing costs by offering various mortgage programs. These include fixed-rate, jumbo, investment property, FHA, USDA, and VA loans. She also provides refinancing options, which allow clients to consolidate debts and reduce monthly mortgage payments. Thomas brings over 25 years of industry experience. She holds an MBA degree.

License Verified:

License: 294675

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

Do mortgage brokers need to be licensed?

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.

Is it difficult to pass the mortgage brokers’ test?

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.

What is a surety bond for mortgage brokers?

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.

Read All FAQS