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Best Mortgage Brokers in Vallejo

2024

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Providers

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Website
4811 Telegraph Avenue, Oakland, CA 94609
  • Reverse Mortgages

Why choose this provider?

Vic Joshi is a mortgage consultant with C2 Financial Corporation who serves clients in Vallejo. He offers a wide range of mortgage loan programs for homebuyers and homeowners, such as adjustable-rate, fixed-rate, FHA, jumbo, VA, and USDA home loans. Vic has been a resident of the San Francisco Bay Area and has more than 20 years of mortgage industry experience. C2 Financial works with more than 100 lenders, helping to make it one of the major mortgage brokers in the U.S.

License Verified:

License: 244388

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 (73)
Facebook
5.0 / 5 (11)

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
6500 Fairmount Avenue, El Cerrito, CA 94530
  • Refinance

Why choose this provider?

Chris Mason is an independent mortgage broker who has been serving residents from Vallejo and all of California since 2014. Despite working remotely, he gives personalized service and guides first-time buyers, investors, and refinancers in finding a home loan that matches their needs. Working with multiple lenders, he sticks to a financing schedule in order to arrive at the closing date as soon as possible. Conventional, FHA, subsidized PMI, and jumbo loans are some of the mortgage types Chris offers to his clients.

License Verified:

License: 1220177

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

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, Pleasanton, CA 94588
  • Refinance

Why choose this provider?

Eric Lawson is the branch manager for the Bay Area office of United Lending Partners. Helping customers in Vallejo achieve their dream homes, he assists and strives to provide the right FHA home loan for them. He got a commendation from one of his customers for thoroughly explaining to them the home loan process through videos and outlined emails. United Lending Partners has been in the business for 15 years and has access to 40 lenders.

License Verified:

License: 244014

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 (14)

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
3478 Buskirk Avenue, Pleasant Hill, CA 94523
  • Refinance

Why choose this provider?

Mike Trejo is the broker and owner of Bridgepoint Funding. He works with real estate agents and borrowers in Vallejo and the rest of California. With over two decades of experience, Mike provides refinancing and home purchase loan programs such as rehab, jumbo, USDA, VA, FHA, and fixed-rate mortgages. He also offers reverse mortgage and cash-out refinance. Down payment assistance and mortgages for investment properties are also available. Mike began his journey in the mortgage industry as a branch manager and loan officer.

License Verified:

License: 339128

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 (176)

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
1385 Shattuck Avenue, Berkeley, CA 94709
  • New Construction
  • Refinance

Why choose this provider?

Peter Barnes is a senior mortgage consultant and branch manager at RPM Mortgage, serving clients in Vallejo and the surrounding communities. Barnes applies a proactive and personal approach to helping borrowers achieve their homeownership goals. He specializes in a variety of mortgage loans, particularly conventional, FHA, VA, and Jumbo loans. Barnes started in the mortgage business in 2004. Prior to pursuing a career in mortgage and real estate, he served as a non-commissioned officer in the U.S. Marine Corps.

License Verified:

License: 239580

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 (200)
Google
5.0 / 5 (48)
Facebook
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.
2.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2591 Marshfield Road, Vallejo, CA 94591
  • Refinance

Why choose this provider?

Jyotsna Ramiya, a.k.a. Jai Ramaiya, is a mortgage broker who provides home purchasing loan options for residents of Vallejo and communities in Solano County. She offers loan programs like VA loans, FHA loans, conventional loans, and first-time homebuyer programs. In addition to refinancing loans and cash-out refinance loans, she also provides loans for home renovation projects and helps buyers with downpayment and investment loans. Jai Ramaiya, a Solano County resident since 1987, received her license in 1992.

License Verified:

License: 276557

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 (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
1110 Alhambra Avenue, Martinez, CA 94553
  • Refinance
  • Purchase Transactions

Why choose this provider?

Silverado Home Mortgage is a full-service mortgage company that serves clients in Vallejo. The company offers different home purchase loan programs, including FHA, VA, HomePath, Jumbo, and conventional. Refinancing services for clients who are looking for a cashout or in need of better rates and terms are also available. Programs include FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, VA Cash Out, and more. Loan officers work with clients to help them overcome any challenges while securing a loan.

License Verified:

License: 978897

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 (7)
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

Website
2950 Buskirk Avenue, Walnut Creek, CA 94597
  • Refinance

Why choose this provider?

Jim Wilson is a mortgage professional serving clients in Vallejo and surrounding communities. He is the principal broker for Preferred Mortgage, Inc., helping clients purchase a home or an investment property, in addition to refinancing their existing mortgage loans. Wilson has been in the mortgage industry since 1999, providing clients with a wide range of loan programs. Moreover, he has been featured in Diablo Magazine and received the Five Star Professional Award for seven consecutive years.

License Verified:

License: 292796

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
Google
4.9 / 5 (45)
Facebook
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
177 Military East, Benicia, CA 94510
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Monica Jones of CrossCountry Mortgage manages his team of mortgage professionals that work with clients in Vallejo. FHA, VA, conventional, fixed-rate, adjustable-rate, and jumbo mortgages are among the loan options offered by her office. Refinancing and the team also handles home equity schemes. Her office is available to help first-time purchasers, long-term homeowners, and investors. Team Jones also strives to understand their clients' goals and interests to provide them with the best home loan possible.

License Verified:

License: 290779

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.
4.3
Google
4.0 / 5 (89)
Facebook
5.0 / 5 (40)

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
––

Website
862 Alamo Drive, Vacaville, CA 95688
  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

Why choose this provider?

Solano Mortgage is a company serving customers in Vallejo and the surrounding areas. It was founded by Jim Porter, who has more than 35 years of experience in the mortgage industry. The company strives to provide its clients with the option that fits their needs through its varied mortgage product offerings. These offerings include VA, FNA, and USDA home loans. Conventional and jumbo loans are also available, as well as refinancing and reverse mortgage services.

License Verified:

License: 1850

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.
4.2
Google
4.0 / 5 (51)
Yelp
5.0 / 5 (11)

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
2646 Appian Way, Pinole, CA 94564
  • Refinance

Why choose this provider?

Musa Financial offers mortgage solutions to clients in Vallejo. The company's professionals help clients purchase or refinance their homes by providing various loan programs, such as conventional, jumbo, USDA, FHA, and VA loans. These programs are designed to cater to the clients' individual needs. Mortgage options are also available, including adjustable and fixed-rate, interest-only, and graduate payments. The brokers assist clients through the process, from pre-qualification to closing the loan. Musa Financial offers other programs, including HomePossible, HomeReady, and CalHFA.

License Verified:

License: 01393839

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 (11)
Facebook
5.0 / 5 (10)
Yelp
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
515 Broadway, Vallejo, CA 94590
  • New Construction
  • Refinance

Why choose this provider?

Sir Winston Financial Center, Inc., is a mortgage broker that serves residents in Vallejo. The business provides reverse mortgage and downpayment assistance programs to help clients in the process of buying homes. It also offers life insurance, real estate, and handyman services. The company has been providing its services to the community for more than 10 years. As part of its community involvement, the firm has helped local organizations such as the Veterans Resource Program.

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 (12)
Google
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
1850 Mount Diablo Boulevard, Walnut Creek, CA 94596
  • Refinance
  • Purchase Transactions

Why choose this provider?

Operating for over 50 years, Walnut Creek-based Alameda Mortgage Corp. has been serving clients in the local area and its surrounding communities, including Vallejo. Its range of mortgage products includes USDA, VA, and down payment assistance programs for qualified homebuyers. In addition, it has a mobile app called AMC Vantage that allows its clients to keep in contact with their loan officers and scan the required documents using their phones. Company CEO Ron Perkins is the founder of California Financial Group.

License Verified:

License: 271603

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 (633)

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
––

Website
490 Chadbourne Road, Fairfield, CA 94534
  • New Construction
  • Refinance

Why choose this provider?

Jeanine Nucum powered by GTG Financial is a brokerage offering various mortgage solutions to Vallejo. The mortgage company has more than 20 years of experience assisting home buyers and clients seeking other financial solutions. It specializes in helping individuals qualify for home loans and offers home purchase and refinance options. These include conventional fixed- and adjustable-rate mortgages. The company also offers FHA, VA, and reverse mortgages in addition to HARP refinance loans, jumbo mortgage loans, and multiple refinancing options.

License Verified:

License: 1224692

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 (98)
Yelp
5.0 / 5 (77)

Website
703 2nd St Ste 103 Santa Rosa, CA 95404, Santa Rosa, CA 95404
  • Refinance
  • Reverse Mortgages

Why choose this provider?

Steve Herndon American Pacific Mortgage is a firm that serves Vallejo and the surrounding areas. Under the leadership of Steve Herndon, who has over three decades of industry experience, the firm helps clients secure mortgage solutions that fit their unique needs. The firm's mortgage professionals offer various loan program options such as FHA, VA, purchase, and USDA loans for clients looking into buying their first home, refinancing their current mortgage, or consolidating their debts. The firm offers its services to clients across the state of California.

License Verified:

License: 1850

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)
Yelp
5.0 / 5 (3)
Zillow
5.0 / 5 (3)

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.