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Looking for a mortgage broker in Santa Cruz? Review the directory below to compare your options.
11 agents listed
Updated May 2026
Santa Cruz, 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 11 mortgage brokers in Santa Cruz, 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.
Revest Loans - Team Jim Black
1015 Cedar St Suite D, Santa Cruz, CA 95060
9252854898
SV Mortgage Group
1509 Seabright Ave, Santa Cruz, CA 95062
8312008435
Valamonte Mortgage Group
655 Capitola Rd STE 202, Santa Cruz, CA 95062
8312549787
Ryan Buckholdt at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8314258326
Dan Casagrande
1414 Soquel Ave Suite 207, Santa Cruz, CA 95062
8314232900
The Junod Team- CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004709
Brian Dean at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316004706
Noel McCord at CrossCountry Mortgage
133 Mission St Suite 210, Santa Cruz, CA 95060
8316001584
Affordable Home Finance, Mortgage Broker
120 Bulkhead St, Santa Cruz, CA 95060
8773204762
Loans With Mitch
710 River St #2, Santa Cruz, CA 95060
8314310726
CrossCountry Mortgage, LLC
133 Mission St Suite 210, Santa Cruz, CA 95060
8318182339
Mortgage brokers in Santa Cruz California help you find home loans from multiple lenders. They can assist with purchase loans and refinancing for properties in the coastal region. Brokers must be licensed by the California Department of Financial Protection and Innovation under the California Finance Lenders Law.
What Does a Mortgage Broker in Santa Cruz Cost?
Mortgage broker fees in California are usually paid through a commission from the lender or as a direct fee from you. Typical broker fees range from 1% to 2% of the loan amount. Some brokers charge a flat fee of $1,500 to $3,000. You may also pay for an appraisal and credit report. 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 does a mortgage broker do in Santa Cruz?
A mortgage broker acts as an intermediary between you and potential lenders. They gather your financial information and shop for loan options that fit your needs. This can save you time and help you compare rates from different sources.
How do I choose a mortgage broker in Santa Cruz?
Look for a broker who is licensed in California and has experience with local property types. Check their history on the Nationwide Multistate Licensing System. Ask about their fees and how they get paid before you start the process.
What documents do I need to apply for a mortgage in California?
You typically need pay stubs, tax returns, bank statements, and identification. California law requires lenders to provide a Loan Estimate within three business days of your application. This document shows the loan terms and estimated closing costs.
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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.