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Compare mortgage lenders in Capitola. Review contact information and insurance categorys before you decide.
11 agents listed
Updated May 2026
Capitola, 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 lenders in Capitola, 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.
Academy Mortgage - Santa Cruz - Capitola
1500 41st Ave #100, Capitola, CA 95010
8314761624
Matthew Falconer at CrossCountry Mortgage
4145 Clares St Suite F, 2nd Floor, Capitola, CA 95010
8313594430
Guild Mortgage - Monica Bowman
1500 41st Ave #100, Capitola, CA 95010
8318182435
Financial Solution Home Loans- Reverse and Forward mortgages. Jeri Skipper
1840 41st Ave STE 205, Capitola, CA 95010
8318180299
Change Home Mortgage
523 Capitola Ave, Capitola, CA 95010
8314600202
Dwayne Dawson - Argus Home Loans Real Estate Financing
621 Capitola Ave, Capitola, CA 95010
8315887288
Jose Mendoza - Karma Mortgage Solutions
830 Bay Ave A, Capitola, CA 95010
8312347082
Shawna Watson at CrossCountry Mortgage
4145 Clares St Suite F, 2nd Floor, Capitola, CA 95010
8316004722
Supreme Lending Capitola
4510 Capitola Rd, Capitola, CA 95010
8314755626
Guild Mortgage Company
1500 41st Ave #100, Capitola, CA 95010
8314761624
American Pacific Mortgage
1840 41st Ave, Capitola, CA 95010
8313316293
Mortgage lenders in Capitola, California help homebuyers and homeowners secure financing for residential properties. California law requires lenders to provide detailed loan estimates under the federal TILA-RESPA Integrated Disclosure rule. Capitola lenders offer conventional, FHA, VA, and jumbo loans tailored to the local real estate market near the coast.
What Does a Mortgage Lender in Capitola Cost?
Typical mortgage lender costs in California include an origination fee of 0.5 to 1.0 percent of the loan amount, plus appraisal fees ranging from 500 to 700 dollars, and title insurance costs of about 1,000 to 2,000 dollars. Closing costs generally total 2 to 5 percent of the purchase price. These amounts vary by loan type and property value. 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 Capitola?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. California lenders also require a signed authorization to pull your credit report.
How long does it take to close a mortgage in California?
The average time to close a mortgage in California is 30 to 45 days. Delays can occur if appraisal or title issues arise, so staying responsive to your lender helps keep the process on track.
Are there special mortgage programs for first-time buyers in Capitola?
Yes, California offers the CalHFA program with down payment assistance for qualified first-time buyers. Many Capitola lenders also offer FHA loans with a 3.5 percent minimum down payment.
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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.