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Compare mortgage brokers in Gilroy. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Gilroy, 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 9 mortgage brokers in Gilroy, 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.
Oportun
340 E 10th St Suite C, Gilroy, CA 95020
6692575073
Jose M Hernandez Broker - Integrity Estates Realty
8339 Church St Suite 206, Gilroy, CA 95020
4084090311
Derek Essary, Realtor
8050 Santa Teresa Blvd Suite 210, Gilroy, CA 95020
4089631295
Jori Mayer, REALTOR | Dufur Mayer Group
8050 Santa Teresa Blvd #210, Gilroy, CA 95020
4086919627
Jeet Sangha, Compass, Realtor®
353 E 10th St #317, Gilroy, CA 95020
4088403112
Carlson Partners, Inc.
9880 Bobcat Ct, Gilroy, CA 95020
4088881965
Alison Andrus at Guaranteed Rate Affinity (NMLS #1118471)
8050 Santa Teresa Blvd Unit 210, Gilroy, CA 95020
8316621857
Mortgage, Bank of America
7111 Camino Arroyo Dr, Gilroy, CA 95020
8312288012
Chase Home Lending
1177 1st St, Gilroy, CA 95020
9259985478
Mortgage brokers in Gilroy California help homebuyers and homeowners find suitable loan products from multiple lenders. California law requires mortgage brokers to be licensed through the Nationwide Multistate Licensing System (NMLS) and follow strict disclosure rules under the California Financing Law. Working with a local broker can give you access to specialized knowledge of Gilroy real estate market trends and Silicon Valley area lending options.
What Does a Mortgage Broker in Gilroy Cost?
Mortgage broker costs in California typically include an origination fee of 0.5 percent to 2.75 percent of the loan amount plus third-party fees for appraisal credit report and title insurance. For a $500,000 loan this could mean $2,500 to $13,750 in broker fees. Some brokers charge a flat fee instead of a percentage. California law requires brokers to provide a Loan Estimate within three business days of application showing all costs. 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 license does a mortgage broker need in California?
A mortgage broker in California must hold a valid license through the NMLS and comply with the California Department of Financial Protection and Innovation (DFPI). Brokers must also complete continuing education each year to maintain their license.
How long does a typical mortgage loan process take in Gilroy?
The mortgage loan process in California usually takes 30 to 45 days from application to closing. Factors like appraisal scheduling and document verification can affect this timeline. California law requires a three-day right of rescission for refinances on primary residences.
What documents do I need to apply with a Gilroy mortgage broker?
You will need recent pay stubs W-2 forms tax returns bank statements and a valid photo ID. California law also requires proof of homeowners insurance before closing. Self-employed borrowers may need additional profit and loss statements.
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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.