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Directory of mortgage brokers in Sonoma, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Sonoma, 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 5 mortgage brokers in Sonoma, 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.
Jennifer Brown at CrossCountry Mortgage
760 W Napa St, Sonoma, CA 95476
4153367782
Gary Umholtz at Rate (NMLS #302500)
190 W Napa St Suite #101, Sonoma, CA 95476
7074921126
Preferred Mortgage, Vicki Rogers
645 Broadway ste b, Sonoma, CA 95476
7072931154
Rate
190 W Napa St Suite #101, Sonoma, CA 95476
7074921126
CrossCountry Mortgage, LLC
760 W Napa St, Sonoma, CA 95476
7079331667
Mortgage brokers in Sonoma, California help homebuyers and homeowners find suitable loan products from multiple lenders. California law requires brokers to be licensed under the California Department of Financial Protection and Innovation and to follow strict disclosure rules. Working with a local broker can be especially helpful in Sonomas competitive real estate market, where property values and loan amounts often exceed conforming limits.
What Does a Mortgage Broker in Sonoma Cost?
Mortgage broker fees in California typically range from 1% to 2% of the loan amount. For a $800,000 home in Sonoma, this could mean $8,000 to $16,000 in broker fees. Some brokers are paid by the lender through yield spread premiums, which can reduce upfront costs to the borrower. Other costs include appraisal fees ($500 to $700), credit report fees ($30 to $50), and title insurance. All fees must be disclosed on the Loan Estimate. This is general information, 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 bank in Sonoma?
A mortgage broker works as an intermediary, connecting you with multiple lenders to find the best loan terms. A bank offers only its own loan products. Brokers can often access a wider range of loan programs, including those for jumbo loans common in high-value areas like Sonoma.
Does California require a specific license for mortgage brokers?
Yes. Mortgage brokers in California must hold a license from the Nationwide Multistate Licensing System and be registered with the California Department of Financial Protection and Innovation. They must also pass a background check and complete continuing education courses.
How long does it take to get a mortgage through a broker in Sonoma?
The typical timeline from application to closing is 30 to 45 days. California law requires lenders to provide a Loan Estimate within three business days of application and a Closing Disclosure at least three business days before closing. Delays can occur with appraisals or complex property types.
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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.