24/7 Available · Vacaville
24-Hour Mortgage Brokers in Vacaville, CA — Always Available
Emergencies don't keep business hours. These mortgage brokers in Vacaville are available 24 hours a day, 7 days a week — including holidays.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Vacaville, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Debbie Sundlie with a 5.0-star rating from 103 Google reviews and an RNM Score of 95/100. Also in the top tier: Mason-McDuffie Mortgage Corporation and Dream Team Lending - Loli & Alix. The average rating across all listed mortgage brokers in Vacaville is 5 stars from 47 reviews per business on average.
Mortgage brokers in Vacaville: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Ed Nakamura, Finance of America Mortgage
Ed Nakamura is top-ranked for his extensive experience and strong local reputation in Vacaville mortgage lending.
Most Reviewed
Guild Mortgage - Kristina Bailey
A high review count indicates broad customer trust and consistent service quality over time.
When choosing a mortgage broker in Vacaville, compare loan options and fees across multiple brokers, and prioritize those with strong local knowledge and responsive communication.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
47
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Exceptional 5.0-star rating from over 100 Google reviews for a Vacaville mortgage broker.
401 Davis St Suite B, Vacaville, CA 95687, USAHundreds of reviews average a perfect 5.0-star rating for this Vacaville mortgage broker.
401 Davis St Suite B, Vacaville, CA 95688, USAExceptional 5.0-star rating from 91 Google reviews for mortgage help in Vacaville.
338 Cernon St, Vacaville, CA 95688, USAMortgage Brokers Rankings in Vacaville, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Debbie Sundlie401 Davis St Suite B, Vacaville, CA 95687, USA | 5.0★ | 103 |
| #2 | Mason-McDuffie Mortgage Corporation401 Davis St Suite B, Vacaville, CA 95688, USA | 5.0★ | 102 |
| #3 | Dream Team Lending - Loli & Alix338 Cernon St, Vacaville, CA 95688, USA | 5.0★ | 91 |
| #4 | Guild Mortgage - Kristina Bailey506 Merchant St Suite A, Vacaville, CA 95688, USA | 5.0★ | 54 |
| #5 | Ed Nakamura, Finance of America Mortgage630 Davis St Suite 200, Vacaville, CA 95688, USA | 5.0★ | 50 |
| #6 | Mortgage Masters of California338 Cernon St, Vacaville, CA 95688, USA | 5.0★ | 67 |
| #7 | Foundation Lending Partners795 Alamo Dr, Vacaville, CA 95688, USA | 5.0★ | 33 |
| #8 | Guild Mortgage - Bianca Velasco506 Merchant St Suite A, Vacaville, CA 95688, USA | 5.0★ | 21 |
| #9 | Christopher Marusich Mortgage Broker - Mortgage Masters of California338 Cernon St, Vacaville, CA 95688, USA | 5.0★ | 42 |
| #10 | Pacific Community Lender, Inc. Nmls#1322440190 S Orchard Ave, Vacaville, CA 95688, USA | 5.0★ | 36 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Vacaville
Rated 5.0 stars from 54 Google reviews for reliable mortgage guidance.
506 Merchant St Suite A, Vacaville, CA 95688, USA
Rated 5.0 stars from over 50 Google reviews in Vacaville.
630 Davis St Suite 200, Vacaville, CA 95688, USA
Vacaville mortgage broker with a perfect 5.0-star rating from 67 reviews.
338 Cernon St, Vacaville, CA 95688, USA
Trusted by Vacaville homeowners with a flawless 5.0★ rating from 33 reviews.
795 Alamo Dr, Vacaville, CA 95688, USA
5.0-star rating from 21 Google reviews, reflecting exceptional client satisfaction.
506 Merchant St Suite A, Vacaville, CA 95688, USA
Rated 5.0 stars from 42 Google reviews, this Vacaville mortgage broker is highly trusted.
338 Cernon St, Vacaville, CA 95688, USA
Rated 5.0 stars from 36 Google reviews, this Vacaville mortgage broker is highly trusted.
190 S Orchard Ave, Vacaville, CA 95688, USA
Rated 5.0 stars by 31 Google reviewers, this Vacaville mortgage broker is highly trusted.
Pacific Community Lender, 190 S Orchard Ave ste b-115, Vacaville, CA 95688, USA
Exceptional 5.0-star rating from 13 Google reviews for a Vacaville mortgage broker.
795 Alamo Dr #101, Vacaville, CA 95688, USA
Exceptional 5.0-star rating from 5 Google reviews for a Vacaville mortgage broker.
525 Merchant St, Vacaville, CA 95688, USA
Exceptional 5.0-star rating from early Google reviews in Vacaville.
506 Merchant St Suite A, Vacaville, CA 95688, USA
Rated 5.0 stars from 17 Google reviews, this Vacaville mortgage broker is highly trusted.
506 Merchant St Suite A, Vacaville, CA 95688, USA
Rated 5.0 stars from 6 Google reviews, a trusted local mortgage broker.
707 Merchant St, Vacaville, CA 95688, USA
Vacaville mortgage broker with a perfect 5.0 rating from over 120 reviews.
785 Alamo Dr #120, Vacaville, CA 95688, USA
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Mortgage Brokers in Vacaville, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Debbie Sundlie | 95/100 | 5.0 ★ | 103 |
| 2 | Mason-McDuffie Mortgage Corporation | 95/100 | 5.0 ★ | 102 |
| 3 | Dream Team Lending - Loli & Alix | 95/100 | 5.0 ★ | 91 |
| 4 | Guild Mortgage - Kristina Bailey | 92/100 | 5.0 ★ | 54 |
| 5 | Ed Nakamura, Finance of America Mortgage | 83/100 | 5.0 ★ | 50 |
| 6 | Mortgage Masters of California | 93/100 | 5.0 ★ | 67 |
| 7 | Foundation Lending Partners | 89/100 | 5.0 ★ | 33 |
| 8 | Guild Mortgage - Bianca Velasco | 87/100 | 5.0 ★ | 21 |
| 9 | Christopher Marusich Mortgage Broker - Mortgage Masters of California | 90/100 | 5.0 ★ | 42 |
| 10 | Pacific Community Lender, Inc. Nmls#1322440 | 81/100 | 5.0 ★ | 36 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Vacaville
What does a mortgage broker do differently than going directly to a bank in Vacaville?
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 Vacaville?
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.
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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 10, 2026.
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