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Directory of mortgage lenders in Arcata, California. Verify credentials with the state mortgage licensing authority before hiring.
7 agents listed
Updated May 2026
Arcata, 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 7 mortgage lenders in Arcata, 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.
Redwood Capital Bank Arcata
1315 G St, Arcata, CA 95521
7078260878
Bailey Mortgage
934 H St, Arcata, CA 95521
7078229294
Rick Bailey Mortgage Unlimited
934 H St, Arcata, CA 95521
7078229294
US Bank Mortgage
953 G St, Arcata, CA 95521
8008722657
Hii Mortgage Loans Arcata Ca
684 Hidden Creek Rd E, Arcata, CA 95521
7073888799
Humboldt Mortgage & Realty
1203 Lincoln Ave, Arcata, CA 95521
7078456109
Chase Mortgage
780 7th St, Arcata, CA 95521
7078268600
Mortgage lenders in Arcata California help home buyers and homeowners secure financing for residential properties. These professionals guide clients through loan options including conventional FHA and VA loans. California law requires lenders to provide specific disclosures like the Loan Estimate within three business days of application.
What Does a Mortgage Lender in Arcata Cost?
Typical costs for a mortgage lender in California include an origination fee of 0.5 to 1 percent of the loan amount plus appraisal fees around 500 to 700 dollars and title insurance costs of 1,000 to 2,500 dollars. Third party fees for credit reports and escrow services add several hundred dollars more. Actual costs vary by loan type lender and property location. 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 documents do I need to apply for a mortgage in Arcata?
You typically need recent pay stubs tax returns bank statements and a valid ID. California lenders also require a signed authorization to check your credit report.
How long does the mortgage process take in California?
The process usually takes 30 to 45 days from application to closing. California law requires a three business day review period after you receive the Closing Disclosure.
Are there special mortgage programs for first time buyers in California?
Yes California offers programs like the CalHFA loan which provides down payment assistance. These programs have specific income and purchase price limits that apply in Arcata.
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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.