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Best Mortgage Brokers in Vallejo, CA

Our Recommended Top 15

We did the research for you!

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

44Reviewed

32Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4811 Telegraph Avenue, Oakland, CA 94609
WebsiteLicense: 244388

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (11)

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.

  • Reverse Mortgages

6500 Fairmount Avenue, El Cerrito, CA 94530
WebsiteLicense: 1220177

Expertise.com Rating

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.

  • Refinance

4234 Hacienda Drive, Pleasanton, CA 94588
WebsiteLicense: 244014

Expertise.com Rating

Review Sources

Google
5.0 (14)

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.

  • Refinance

1850 Mount Diablo Boulevard, Walnut Creek, CA 94596
WebsiteLicense: 271603

Expertise.com Rating

Review Sources

Google
5.0 (633)

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.

  • Refinance
  • Purchase Transactions

703 2nd St Ste 103 Santa Rosa, CA 95404, Santa Rosa, CA 95404
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Google
5.0 (27)
Yelp
5.0 (3)
Zillow
5.0 (3)

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.

  • Refinance
  • Reverse Mortgages

1385 Shattuck Avenue, Berkeley, CA 94709
WebsiteLicense: 239580

Expertise.com Rating

Review Sources

Yelp
5.0 (200)
Google
5.0 (48)
Facebook
5.0 (2)

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.

  • New Construction
  • Refinance

862 Alamo Drive, Vacaville, CA 95688
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Google
4.0 (51)
Yelp
5.0 (11)

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.

  • Refinance
  • Reverse Mortgages
  • Purchase Transactions

2950 Buskirk Avenue, Walnut Creek, CA 94597
WebsiteLicense: 292796

Expertise.com Rating

Review Sources

Google
4.9 (45)
Facebook
5.0 (7)

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.

  • Refinance

1110 Alhambra Avenue, Martinez, CA 94553
WebsiteLicense: 978897

Expertise.com Rating

Review Sources

Yelp
5.0 (7)
Google
5.0 (4)
Facebook
5.0 (2)

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.

  • Refinance
  • Purchase Transactions

515 Broadway, Vallejo, CA 94590

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (6)

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.

  • New Construction
  • Refinance

177 Military East, Benicia, CA 94510
WebsiteLicense: 290779

Expertise.com Rating

Review Sources

Google
4.0 (89)
Facebook
5.0 (40)

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.

  • Refinance
  • Reverse Mortgages

2591 Marshfield Road, Vallejo, CA 94591
WebsiteLicense: 276557

Expertise.com Rating

Review Sources

Google
5.0 (1)

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.

  • Refinance

2646 Appian Way, Pinole, CA 94564
WebsiteLicense: 01393839

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (10)
Yelp
5.0 (5)

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.

  • Refinance

490 Chadbourne Road, Fairfield, CA 94534
WebsiteLicense: 1224692

Expertise.com Rating

Review Sources

Google
5.0 (98)
Yelp
5.0 (77)

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.

  • New Construction
  • Refinance

3478 Buskirk Avenue, Pleasant Hill, CA 94523
WebsiteLicense: 339128

Expertise.com Rating

Review Sources

Google
5.0 (176)

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.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Vic Joshi
4811 Telegraph Avenue, Oakland, CA 94609
Chris Mason
6500 Fairmount Avenue, El Cerrito, CA 94530
Eric Lawson
4234 Hacienda Drive, Pleasanton, CA 94588
Alameda Mortgage Corp.
1850 Mount Diablo Boulevard, Walnut Creek, CA 94596
Steve Herndon American Pacific Mortgage
703 2nd St Ste 103 Santa Rosa, CA 95404, Santa Rosa, CA 95404
Peter Barnes
1385 Shattuck Avenue, Berkeley, CA 94709
Solano Mortgage
862 Alamo Drive, Vacaville, CA 95688
Jim Wilson
2950 Buskirk Avenue, Walnut Creek, CA 94597
Silverado Home Mortgage
1110 Alhambra Avenue, Martinez, CA 94553
Sir Winston Financial Center, Inc.
515 Broadway, Vallejo, CA 94590
Monica Jones
177 Military East, Benicia, CA 94510
Jyotsna Ramiya
2591 Marshfield Road, Vallejo, CA 94591
Musa Financial
2646 Appian Way, Pinole, CA 94564
Jeanine Nucum
490 Chadbourne Road, Fairfield, CA 94534
Mike Trejo
3478 Buskirk Avenue, Pleasant Hill, CA 94523

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.