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Directory of mortgage lenders in Lincoln, California. Verify credentials with the state mortgage licensing authority before hiring.
13 agents listed
Updated May 2026
Lincoln, 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 13 mortgage lenders in Lincoln, 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.
Sherene Gray - Fairway Independent Mortgage
436 Lincoln Blvd Suite 105, Lincoln, CA 95648
9167988026
Mike Swaleh | Lincoln CA Branch | Fairway Home Mortgage
436 Lincoln Blvd Suite 105, Lincoln, CA 95648
3144783699
Lighthouse Mortgage Company Inc.
570 5th St #100, Lincoln, CA 95648
4088923523
Michael Girard Jr. | American Gateway Mortgage & Realty
150 Lincoln Blvd #104-121, Lincoln, CA 95648
9162230113
Amit Sarang - Home Loans & Mobile Notary
2290 Nicolaus Rd #104, Lincoln, CA 95648
9169957812
Hank Rhoads - American Senior Reverse Mortgage
1510 Del Webb Blvd B102, Lincoln, CA 95648
9164097424
Elo Mortgage
2557 Mariani Wy, Lincoln, CA 95648
9168010300
Scott Hightower Mortgage Broker
605 Lincoln Blvd Ste 200, Lincoln, CA 95648
9162234066
Blue Skies Mortgage
1350 Hillwood Loop, Lincoln, CA 95648
9168998356
Gary Wright, Stanford Mortgage
801 Sterling Pkwy # 100, Lincoln, CA 95648
9167743139
Jennifer May, Stanford Mortgage
801 Sterling Pkwy # 100, Lincoln, CA 95648
5305598947
Fairway Home Mortgage
436 Lincoln Blvd Suite 105, Lincoln, CA 95648
2093278415
Chase Mortgage
45 Lincoln Blvd, Lincoln, CA 95648
9164085870
Lincoln California offers a growing real estate market for homebuyers. A mortgage lender in this area can help you navigate conventional FHA or VA loans. California law requires lenders to provide a Loan Estimate within three business days of application under the Truth in Lending Act.
What Does a Mortgage Lender in Lincoln 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 range from 500 to 700 dollars. Title insurance and escrow fees add 1,500 to 3,000 dollars. Closing costs generally total 2 to 5 percent of the purchase price. 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 Lincoln California?
You typically need pay stubs tax returns bank statements and photo ID. California lenders also require a signed application and a credit check. Self employed borrowers may need additional profit and loss statements.
How long does the mortgage process take in California?
The standard timeline is 30 to 45 days from application to closing. California law allows a three day rescission period after signing for refinances. Purchase loans do not have a rescission period.
What is the minimum down payment for a home in Lincoln?
Conventional loans often require 3 percent down. FHA loans allow 3.5 percent down. VA and USDA loans can offer zero down payment for eligible borrowers. California first time home buyer programs may also provide assistance.
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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.