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Compare mortgage brokers in Watsonville. Review contact information and insurance categorys before you decide.
14 agents listed
Updated May 2026
Watsonville, 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 14 mortgage brokers in Watsonville, 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 Lending: Fernando Vicente, Mortgage Broker
54 Penny Ln Ste D, Watsonville, CA 95076
8312340336
Santa Cruz Community CU
590 Auto Center Dr #2a, Watsonville, CA 95076
8314257708
James Saville II at Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
8315353954
Chris George: Primerica - Financial Services
3 Hangar Way ste b, Watsonville, CA 95076
8317229993
Prime Home Loans
320 E Lake Ave, Watsonville, CA 95076
8317612200
Concept Mortgage
821 E Lake Ave, Watsonville, CA 95076
8317226250
Seabright Mortgage
120 Aviation Way Suite 5B, Watsonville, CA 95076
8314257880
Karma Mortgage Solutions
159 Westridge Dr, Watsonville, CA 95076
8314622496
Lewis Associates
128 E Beach St, Watsonville, CA 95076
8317228935
Joanna Sandoval - 450753 - Wells Fargo Home Mortgage
326 Main St, Watsonville, CA 95076
8312341229
Saville Mortgage
540 Main St, Watsonville, CA 95037
8315353954
U.S. Bank-Mortgage Loan Officer-Russel Miller
655 Main St, Watsonville, CA 95076
6693423553
Chase Home Lending
630 Main St, Watsonville, CA 95076
9096339110
Sterling Pacific Financial
1205 Freedom Blvd, Watsonville, CA 95076
8317861980
Mortgage brokers in Watsonville 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). Brokers can assist with conventional FHA VA and jumbo loans for properties in Santa Cruz County and the surrounding area.
What Does a Mortgage Broker in Watsonville Cost?
Mortgage broker fees in California typically range from 1% to 2% of the loan amount. For a $500,000 loan this means $5,000 to $10,000 in broker compensation. Some brokers charge a flat fee of $3,000 to $5,000. Additional costs include appraisal fees ($400 to $700) and credit report fees ($30 to $50). Costs vary by lender loan type and your financial profile. 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 bank in Watsonville?
A mortgage broker works with multiple lenders to find you a loan while a bank only offers its own products. Brokers can often find more competitive rates and terms for Watsonville buyers. They also handle the application process from start to finish.
What documents do I need to apply for a mortgage in Watsonville?
You typically need pay stubs W-2s tax returns bank statements and photo ID. California law also requires a Good Faith Estimate and Loan Estimate within three business days of application. Your broker will guide you through the full checklist.
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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.