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Looking for a mortgage broker in Encinitas? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Encinitas, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 16 mortgage brokers in Encinitas, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Dave Pennington at CrossCountry Mortgage
322 Encinitas Blvd #170, Encinitas, CA 92024
6199949723
Hougard Loans, Bayshore Home Loans
700 2nd St Suite E, Encinitas, CA 92024
8009822680
Moose Mau
144 W D St Suite 115, Encinitas, CA 92024
6192519776
BluPrint Home Loans
607 N Vulcan Ave Unit 6, Encinitas, CA 92024
8884054580
Zachary Taylor at CrossCountry Mortgage, LLC
322 Encinitas Blvd #170, Encinitas, CA 92024
6198137908
Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.
527 Encinitas Blvd STE 202, Encinitas, CA 92024
8585185491
Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.
515 Encinitas Blvd #202, Encinitas, CA 92024
7605572230
C2MortgageGroup
1480 Tennis Match Way, Encinitas, CA 92024
7608401230
Hargrave Home Loans - Mortgage Broker
208 W J St, Encinitas, CA 92024
8583040572
MyPrimeHomeLoan.com LLC
1084 N El Camino Real B138, Encinitas, CA 92024
8006006745
Marc Datnow at Rate (NMLS #1707820)
617 Saxony Pl Suite 101, Encinitas, CA 92024
6195353170
IFC Mortgage
326 Encinitas Blvd Suite 200, Encinitas, CA 92024
7609436777
The Home Loan Collective - NEO Home Loans
662 Encinitas Blvd Ste. 201, Encinitas, CA 92024
8584019353
Clay Robison - Mortgage Advisor
527 Encinitas Blvd STE 202, Encinitas, CA 92024
8583355626
Jeff Cooper Home Loans and Refinancing
511 S Coast Hwy 101, Encinitas, CA 92024
7608558825
Padre Mortgage
1613 Linda Sue Ln, Encinitas, CA 92024
7604365289
Mortgage brokers in Encinitas help homebuyers and homeowners connect with lenders to find suitable loan products. California law requires brokers to be licensed by the Department of Financial Protection and Innovation and to disclose all fees upfront. Working with a local broker can provide insight into the unique real estate market of coastal North County San Diego.
What Does a Mortgage Broker in Encinitas Cost?
Mortgage brokers in California typically charge a fee of 1% to 2% of the loan amount. For a $500,000 loan this could range from $5,000 to $10,000. Some brokers may also receive a yield spread premium from the lender. Costs vary by loan type and complexity. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the difference between a mortgage broker and a loan officer in Encinitas?
A mortgage broker works as an independent intermediary who shops your loan to multiple lenders. A loan officer works directly for one bank or credit union. Brokers often have access to a wider range of loan products.
Does a mortgage broker need a license in California?
Yes. Mortgage brokers in California must be licensed through the Nationwide Multistate Licensing System and registered with the California Department of Financial Protection and Innovation. You can verify a brokers license on the NMLS website.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.