Vacaville, California Mortgage Rates

We offer low Vacaville, California mortgage rates, fast closings, and exceptional service. If you’re interested in purchasing a home in the Vacaville area or want to explore the possibility of refinancing your current home loan, please don’t hesitate to reach out to me for a free, no-obligation quote.

Loan TermRateAPR
30yr Fixed Rate6.50%6.803%Request
25yr Fixed Rate6.50%6.796%Request
20yr Fixed Rate6.375%6.782%Request
15yr Fixed Rate6.25%6.642%Request

Conforming Loan Limits Vacaville, CA

The baseline 2024 conforming loan limit in Vacaville, CA is $766,550. Below are the home loan limits for one to four-unit properties in Vacaville.

One-Unit Property

The one-unit Vacaville conforming loan limit is $766,550. Primary, secondary, and rental properties.

Two-Unit Property

The two-unit Vacaville conforming loan limit is $981,500. Primary, secondary, and rental properties.

Three-Unit Property

The three-unit Vacaville conforming loan limit is $1,186,350. Primary, secondary, and rental properties.

Four-Unit Property

The four-unit Vacaville conforming loan limit is $1,474,400. Primary, secondary, and rental properties.

Vacaville, California Home Loans

Home Loan Resources To Save You Time and Money


We offer a lot of great first-time homebuyer home loan programs and programs for experienced investors.


Our easy-to-use mortgage calculator will help you figure out your monthly mortgage payment and more.


Refinancing your current home loan might improve your financial situation. Check out our home loan refinance options.

USDA Home Loans

Do you live in a rural community? Then the USDA home loan program is a great product to consider. Low rates, and great benefits.

FHA Home Loans

The FHA home loan program is a great product for first-time homebuyers and/or those with less-than-perfect credit.

VA Home Loans

Do you or did you serve in the military? VA home loan program is a great option to consider when buying a home or refinancing a mortgage.

A Guide To Obtaining A Home Loan Pre-Approval

Obtaining a home loan pre-approval is easier than you think. These are the basic steps and guidelines for obtaining a home loan pre-approval with a lender.

Three Steps For A Home Loan Pre-Approval

  • Complete a loan application form
  • Submit the requested documentation
  • The Loan Officer obtains a copy of your credit report.

Here Are Four Basic Home Loan Guidelines You Should Know

  • Home loan lenders like to see your Debt-To-Income ratio below 50%.
  • If you are buying a home you’ll need to be able to put down at least 3% (VA home loans allow for a 0% down).
  • Ideally, you’ll want your credit score at or above 620.
  • Residential mortgage lenders only lend to 1-4 unit residential properties. Five units or more is considered a commercial mortgage.

This is important to remember; every mortgage lender is different so keep that in mind. If you meet the above guidelines it’s not a guarantee you will receive a home loan pre-approval. There are many home loan lenders who require a lower debt-to-income ratio, a higher down payment, and/or a higher credit score.

A key part of the home loan pre-approval process is you, the applicant. Providing accurate and complete information is essential. Second, send in exactly what the Loan Officer is requesting, and do not substitute. If you don’t have exactly what the Loan Officer is asking for, discuss that with him/her prior to sending in your documentation.

Usually, the pre-approval process takes 24-48 hours to complete (this is after you’ve completed the loan application and submitted all the requested documentation).

Once you are pre-approved the Loan Officer will issue you a “pre-approval letter” (if you are buying a home). If you are refinancing your current home loan, the Loan Officer will prepare the file for underwriting.

Mortgage Broker In Vacaville, CA

A Vacaville mortgage broker you can trust is someone who has the ability to obtain the best home loan rates and also provides a high level of customer service. A reputable mortgage broker will usually have 5-10 years of experience, the ability to provide a variety of home loan programs, and a top rating with the Better Business Bureau, Zillow, Google, and more.

Providing important and useful information to their clients is a key attribute as well. Here are four informative articles I believe every home loan applicant should read.

Home Appraisal

This article will give you the ins and outs of the Home Appraisal process. If you’re buying a home or refinancing your current home loan interest rate then be sure to read my Home Appraisal article.

Home Inspection

A key part of buying a home is the Home Inspection. This is an absolute necessity for all first-time homebuyers. In this easy-to-read article, you’ll get detailed information about the Home Inspection process.

Documents Needed
To Refinance

A big step towards saving time when you refinance your current home loan is knowing what documents a home loan lender needs to refinance your home. This easy-to-read article will give a detailed list of the documents you might need to refinance your mortgage.

Documents Needed
To Buy A Home

Buying a home can be stressful but it doesn’t have to be. One way you can make it easier is by knowing ahead of time what documents the lender will need to underwrite your loan. This article will give you detailed information about the documents you need to buy a home.

Loan Officer Kevin O'Connor

About The Author

Loan Officer Kevin O'Connor has over 17 years of experience as a Mortgage Loan Originator and is a trusted resource for mortgage education and information. He's the content creator of K.O. Home Loan Solutions and is licensed by the state of California and the Nationwide Mortgage Licensing System. He has a top rating with the Better Business Bureau, Google, Yelp, and Zillow. You can contact him at 1-800-550-5538. CA DRE #01499872 / NMLS #247447