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Browse mortgage lenders serving Half Moon Bay, California. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Half Moon Bay, 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 2 mortgage lenders in Half Moon Bay, 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.
Vista Loans
426 St Joseph Ave, Half Moon Bay, CA 94019
8774563321
US Bank Mortgage
50 Cabrillo Hwy N, Half Moon Bay, CA 94019
8008722657
Half Moon Bay home buyers and homeowners can work with local mortgage lenders to secure financing for a home purchase or refinance. California state law requires lenders to be licensed under the California Financing Law and to provide clear disclosure of loan terms. Many lenders in Half Moon Bay offer conventional, FHA, VA, and jumbo loans tailored to the local coastal real estate market.
What Does a Mortgage Lender in Half Moon Bay Cost?
Typical costs for a mortgage in California include an origination fee of 0.5% to 1% of the loan amount, an appraisal fee of $500 to $800, and title insurance which can range from $1,500 to $3,000. Closing costs generally total 2% to 5% of the purchase price. These costs vary by lender, loan type, and property location. 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 documents do I need to apply for a mortgage in Half Moon Bay?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. California lenders may also request additional documentation for self employed borrowers or for properties in high cost areas like Half Moon Bay.
How long does it take to close a mortgage in California?
The average mortgage closing in California takes 30 to 45 days from application to funding. Delays can occur if additional appraisals or title work are needed for properties in coastal zones.
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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.