Showing results near Benicia
We don't have mortgage brokers listed specifically in Benicia yet — these top-rated pros from Vallejo serve your area and are available for calls and quotes today.
24/7 Emergency · Benicia
Emergency Mortgage Brokers in Benicia, CA — Available 24/7
When you can't wait, these mortgage brokers in Benicia offer emergency response. Call now — most respond within the hour.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Benicia, CA by verified customer ratings and review volume. The highest-rated is Guaranteed Rate with a 4.8-star rating from 21 verified reviews. Also in the top tier: Pinnacle Capital Mortgage and Portal Home Loans. The average rating across all listed mortgage brokers in Benicia is 5 stars from 52 reviews per business on average.
Mortgage brokers in Benicia: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
52
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Guaranteed Rate
555 First St #102, Benicia, CA 94510, USA
Pinnacle Capital Mortgage
855 First St, Benicia, CA 94510, USA
Portal Home Loans
281 E H St, Benicia, CA 94510, USA
Mortgage Brokers Rankings in Benicia, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Guaranteed Rate555 First St #102, Benicia, CA 94510, USA | 4.8★ | 21 |
| #2 | Pinnacle Capital Mortgage855 First St, Benicia, CA 94510, USA | 5.0★ | 69 |
| #3 | Portal Home Loans281 E H St, Benicia, CA 94510, USA | 5.0★ | 5 |
| #4 | Darlene Espinoza - CrossCountry Mortgage, Inc177 Military E, Benicia, CA 94510, USA | 5.0★ | 23 |
| #5 | Monica Jones - CrossCountry Mortgage, Inc.177 Military E, Benicia, CA 94510, USA | 4.9★ | 157 |
| #6 | Silverado Home Mortgage1110 Alhambra Ave Ste 103, Martinez, CA 94553, USA | 5.0★ | 4 |
| #7 | VitaGeter Mortgages1710 Tennessee St, Vallejo, CA 94590, USA | 5.0★ | 1 |
| #8 | US Bank Mortgage1200 Tennessee St, Vallejo, CA 94590, USA | 5.0★ | 1 |
| #9 | Mason-McDuffie Mortgage Corporation1200 Concord Ave Ste. 175, Concord, CA 94520, USA | 5.0★ | 90 |
| #10 | Stephen Seidler1200 Concord Ave, Concord, CA 94520, USA | 5.0★ | 15 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Benicia
Darlene Espinoza - CrossCountry Mortgage, Inc
177 Military E, Benicia, CA 94510, USA
Monica Jones - CrossCountry Mortgage, Inc.
177 Military E, Benicia, CA 94510, USA
Silverado Home Mortgage
1110 Alhambra Ave Ste 103, Martinez, CA 94553, USA
VitaGeter Mortgages
1710 Tennessee St, Vallejo, CA 94590, USA
US Bank Mortgage
1200 Tennessee St, Vallejo, CA 94590, USA
Mason-McDuffie Mortgage Corporation
1200 Concord Ave Ste. 175, Concord, CA 94520, USA
Stephen Seidler
1200 Concord Ave, Concord, CA 94520, USA
Brian Reeg
1200 Concord Ave #180, Concord, CA 94520, USA
Land Home Financial Services, Inc.
1355 Willow Way, Concord, CA 94520, USA
Janice Carroll - Barrett Financial Group
2284 San Pablo Ave, Pinole, CA 94564, USA
Edward Carroll | Mortgage Broker | MLO 1037433 | Barrett Financial Group LLC
2284 San Pablo Ave #101, Pinole, CA 94564, USA
Bay Area Mortgage Pros
2591 Marshfield Rd, Vallejo, CA 94591, USA
Pinnacle Capital Mortgage Corporation
1390 Willow Pass Rd # 560, Concord, CA 94520, USA
Jason Wheeler - Mortgage Broker - C2 Financial
70 Doray Dr #14, Pleasant Hill, CA 94523, USA
HomeLoans by Evelyn Chong
953 San Pablo Ave Suite A, Pinole, CA 94564, USA
Musa Financial
2646 Appian Way #31, Pinole, CA 94564, USA
Change Home Mortgage - Jennifer Leong
2300 Contra Costa Blvd Suite 150, Pleasant Hill, CA 94523, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Benicia, CA.
Frequently Asked Questions — Mortgage Brokers in Benicia
What does a mortgage broker do differently than going directly to a bank in Benicia?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Benicia?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 1, 2026.
More Home Services in Benicia
Related Searches
More ways to find mortgage brokers in Benicia
Mortgage Brokers in nearby cities