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Compare mortgage brokers in Scotts Valley. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Scotts Valley, 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 6 mortgage brokers in Scotts Valley, 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.
Bay Equity Home Loans
Scotts Valley Dr, Scotts Valley, CA 95066
8314610100
Char Johanson at Franklin Loan Center
5435 Scotts Valley Dr Ste K, Scotts Valley, CA 95066
8313310082
Mortgage 831
5521 Scotts Valley Dr #110, Scotts Valley, CA 95066
8315887201
Cypress Mortgage
5321 Scotts Valley Dr #204, Scotts Valley, CA 95066
8314656701
US Bank Mortgage
253 Mt Hermon Rd, Scotts Valley, CA 95066
8314383697
Scotts Valley Mortgage
5321 Scotts Valley Dr, Scotts Valley, CA 95066
8314383306
Mortgage brokers in Scotts Valley help home buyers and refinancing homeowners find suitable loan products. California law requires brokers to be licensed by the Department of Financial Protection and Innovation. Scotts Valley residents benefit from brokers who understand the local Santa Cruz County real estate market and California specific disclosure rules.
What Does a Mortgage Broker in Scotts Valley Cost?
Mortgage broker costs in California typically range from 1% to 2% of the loan amount. This may include an origination fee and other service charges. Some brokers are paid by the lender through yield spread premiums. You will also pay third party costs such as appraisal, title insurance, and escrow fees. Total closing costs in California often range from 2% to 5% of the purchase price. 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 Scotts Valley?
A mortgage broker acts as an intermediary between you and multiple lenders. They gather your financial information, shop for loan options, and help you complete the application process. In California brokers must follow the California Finance Lenders Law and provide a Loan Estimate within three business days of application.
How do I choose a mortgage broker in Scotts Valley?
Look for a broker licensed in California through the Nationwide Multistate Licensing System. Check their history with the California Department of Financial Protection and Innovation. Ask about their experience with local property types and loan programs available in Santa Cruz County.
What documents do I need for a mortgage application in California?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and identification. California law requires lenders to verify your ability to repay the loan. A mortgage broker can help you organize these documents for a smoother process.
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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.