Verified · Vallejo
Trusted Mortgage Brokers in Vallejo, CA
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Vallejo have earned it through hundreds of verified reviews.
As of July 2026, RatingsNearMe ranks 9 mortgage brokers in Vallejo, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Monica Jones - CrossCountry Mortgage, Inc. with a 4.9-star rating from 157 Google reviews and an RNM Score of 84/100. Also in the top tier: Pinnacle Capital Mortgage and Darlene Espinoza - CrossCountry Mortgage, Inc. The average rating across all listed mortgage brokers in Vallejo is 5 stars from 35 reviews per business on average.
Mortgage brokers in Vallejo: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Silverado Home Mortgage
Silverado Home Mortgage is frequently listed as the top-ranked mortgage broker in Vallejo due to consistently strong client reviews and local market expertise.
Most Reviewed
Darlene Espinoza - CrossCountry Mortgage, Inc
A high review count indicates broad consumer experience and reliability, which can help you gauge service consistency.
When choosing a mortgage broker in Vallejo, compare loan options and fees across multiple brokers, and prioritize those with strong local knowledge and transparent communication.
Local Market Snapshot
9
Businesses listed
5★
Avg rating
35
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Vallejo mortgage broker with a 4.9-star rating from 157 Google reviews.
177 Military E, Benicia, CA 94510, USAVallejo mortgage broker with a perfect 5.0 rating from 69 Google reviews.
855 First St, Benicia, CA 94510, USAVallejo mortgage broker with a perfect 5.0-star rating from 23 reviews.
177 Military E, Benicia, CA 94510, USAMortgage Brokers Rankings in Vallejo, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Monica Jones - CrossCountry Mortgage, Inc.177 Military E, Benicia, CA 94510, USA | 4.9★ | 157 |
| #2 | Pinnacle Capital Mortgage855 First St, Benicia, CA 94510, USA | 5.0★ | 69 |
| #3 | Darlene Espinoza - CrossCountry Mortgage, Inc177 Military E, Benicia, CA 94510, USA | 5.0★ | 23 |
| #4 | Guaranteed Rate555 First St #102, Benicia, CA 94510, USA | 4.8★ | 21 |
| #5 | Portal Home Loans281 E H St, Benicia, CA 94510, USA | 5.0★ | 5 |
| #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 | Bay Area Mortgage Pros2591 Marshfield Rd, Vallejo, CA 94591, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Vallejo
Rated 4.8 stars from 21 Google reviews, reflecting exceptional local client satisfaction.
555 First St #102, Benicia, CA 94510, USA
5.0 stars from 5 Google reviews, reflecting exceptional client satisfaction.
281 E H St, Benicia, CA 94510, USA
5.0-star rating from 4 Google reviews, reflecting exceptional client satisfaction.
1110 Alhambra Ave Ste 103, Martinez, CA 94553, USA
5.0-star rating from 1 Google review reflects exceptional client satisfaction.
1710 Tennessee St, Vallejo, CA 94590, USA
Vallejo mortgage broker with a perfect 5.0-star rating from early client reviews.
1200 Tennessee St, Vallejo, CA 94590, USA
Vallejo mortgage broker with no customer reviews yet to help inform your choice.
2591 Marshfield Rd, Vallejo, CA 94591, USA
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Mortgage Brokers in Vallejo, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Monica Jones - CrossCountry Mortgage, Inc. | 84/100 | 4.9 ★ | 157 |
| 2 | Pinnacle Capital Mortgage | 81/100 | 5.0 ★ | 69 |
| 3 | Darlene Espinoza - CrossCountry Mortgage, Inc | 76/100 | 5.0 ★ | 23 |
| 4 | Guaranteed Rate | 72/100 | 4.8 ★ | 21 |
| 5 | Portal Home Loans | 68/100 | 5.0 ★ | 5 |
| 6 | Silverado Home Mortgage | 67/100 | 5.0 ★ | 4 |
| 7 | VitaGeter Mortgages | 62/100 | 5.0 ★ | 1 |
| 8 | US Bank Mortgage | 62/100 | 5.0 ★ | 1 |
| 9 | Bay Area Mortgage Pros | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Vallejo
What does a mortgage broker do differently than going directly to a bank in Vallejo?
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 Vallejo?
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: July 4, 2026.
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