Pricing Guide · Vacaville
Mortgage Brokers Cost in Vacaville, CA — 2026 Price Guide
What should you pay for mortgage brokers in Vacaville? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Vacaville, CA by verified customer ratings and review volume. The highest-rated is Debbie Sundlie with a 5.0-star rating from 103 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
47
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Mason-McDuffie Mortgage Corporation
401 Davis St Suite B, Vacaville, CA 95688, USA
Dream Team Lending - Loli & Alix
338 Cernon St, Vacaville, CA 95688, USA
Mortgage 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 | Brickhouse Mortgage, Inc.795 Alamo Dr #101, Vacaville, CA 95688, USA | 5.0★ | 13 |
| #5 | Downtown Lending Group707 Merchant St, Vacaville, CA 95688, USA | 5.0★ | 6 |
| #6 | Joe Rapisarda MortgagePacific Community Lender, 190 S Orchard Ave ste b-115, Vacaville, CA 95688, USA | 5.0★ | 31 |
| #7 | Guild Mortgage Company506 Merchant St Suite A, Vacaville, CA 95688, USA | 5.0★ | 1 |
| #8 | Pacific Community Lender, Inc. Nmls#1322440190 S Orchard Ave, Vacaville, CA 95688, USA | 5.0★ | 36 |
| #9 | Guild Mortgage - Kellie Wegner506 Merchant St Suite A, Vacaville, CA 95688, USA | 5.0★ | 17 |
| #10 | The Porter Group at American Pacific Mortgage525 Merchant St, Vacaville, CA 95688, USA | 5.0★ | 5 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Vacaville
Brickhouse Mortgage, Inc.
795 Alamo Dr #101, Vacaville, CA 95688, USA
Joe Rapisarda Mortgage
Pacific Community Lender, 190 S Orchard Ave ste b-115, Vacaville, CA 95688, USA
Guild Mortgage Company
506 Merchant St Suite A, Vacaville, CA 95688, USA
Pacific Community Lender, Inc. Nmls#1322440
190 S Orchard Ave, Vacaville, CA 95688, USA
Guild Mortgage - Kellie Wegner
506 Merchant St Suite A, Vacaville, CA 95688, USA
The Porter Group at American Pacific Mortgage
525 Merchant St, Vacaville, CA 95688, USA
Mortgage Masters of California
338 Cernon St, Vacaville, CA 95688, USA
Guild Mortgage - Bianca Velasco
506 Merchant St Suite A, Vacaville, CA 95688, USA
Ed Nakamura, Finance of America Mortgage
630 Davis St Suite 200, Vacaville, CA 95688, USA
Guild Mortgage - Kristina Bailey
506 Merchant St Suite A, Vacaville, CA 95688, USA
Foundation Lending Partners
795 Alamo Dr, Vacaville, CA 95688, USA
Christopher Marusich Mortgage Broker - Mortgage Masters of California
338 Cernon St, Vacaville, CA 95688, USA
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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: May 17, 2026.
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