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Browse mortgage lenders serving El Centro, California. Contact information and addresses listed below.
20 agents listed
Updated May 2026
El Centro, 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 20 mortgage lenders in El Centro, 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.
Legacy Real Estate and Home Loans
220 S 3rd St, El Centro, CA 92243
7605920979
PrimeLending, A PlainsCapital Company - El Centro
1503 N Imperial Ave Suite 101A, El Centro, CA 92243
7603371253
Daniel Torres Home Loans
1405 N Imperial Ave suite a, El Centro, CA 92243
7609608463
Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Cornerstone First Mortgage: Eddie Cardenas
1379 N Imperial Ave, El Centro, CA 92243
7608865555
Edward Alcantar @ Efinity Mortgage
1409 W State St, El Centro, CA 92243
7605620448
Giselle Sesma Hunt-Home Loans #263645
1409 W State St, El Centro, CA 92243
7609603324
Braulio Ramirez - Loan Officer
428 N Imperial Ave, El Centro, CA 92243
6193712634
Aurora Serrano
1409 W State St, El Centro, CA 92243
7605409866
Guild Mortgage - Lisa Winkler
300 S Imperial Ave # 2, El Centro, CA 92243
2534606200
Mr. Mortgage Inc
1596 S Imperial Ave, El Centro, CA 92243
7603527000
IV Alliance Mortgage & Real Estate
395 Broadway, El Centro, CA 92243
7603700042
Guild Mortgage Company
300 S Imperial Ave # 2, El Centro, CA 92243
7609604246
loanDepot
1523 Main St #109, El Centro, CA 92243
7607070400
Cesar Hernandez - Envision Home Loans by Efinity Mortgage - El Centro
1409 W State St, El Centro, CA 92243
7603363911
Mario Olvera
428 N Imperial Ave, El Centro, CA 92243
7605924674
imortgage
1523 Main St #109, El Centro, CA 92243
7607070400
Preferred Rate - El Centro
3205 S Dogwood Rd Suite B, El Centro, CA 92243
7609603524
Peoples Discount Mortgage
605 Wake Ave #6, El Centro, CA 92243
7603530141
Mortgage Broker/ Best Mortgage Lender- Edward "Eddie" Cardenas
1379 N Imperial Ave, El Centro, CA 92243
7608865555
Mortgage lenders in El Centro California help homebuyers and homeowners secure loans for purchasing or refinancing property. California law requires lenders to be licensed under the California Residential Mortgage Lending Act. Local lenders understand the El Centro real estate market and can guide you through loan programs like FHA VA or conventional loans.
What Does a Mortgage Lender in El Centro Cost?
Typical costs for a mortgage lender in California include an origination fee of 0.5 to 1 percent of the loan amount appraisal fees from 400 to 700 dollars and title insurance costs that can range from 1,000 to 3,000 dollars. Closing costs generally total 2 to 5 percent of the loan amount. These figures vary based on loan size property location and lender policies. 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 El Centro?
You typically need recent pay stubs W-2 forms tax returns bank statements and a valid ID. California lenders may also require proof of homeowners insurance and a property appraisal.
How long does the mortgage approval process take in California?
The process usually takes 30 to 45 days from application to closing. California law requires a three-day right of rescission for refinances but not for purchase loans.
What is the minimum down payment for a home loan in El Centro?
Minimum down payments vary by loan type. FHA loans require 3.5 percent down conventional loans often require 5 to 20 percent and VA loans may allow zero down for eligible borrowers.
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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.