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Looking for a mortgage lender in Modesto? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Modesto, 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 Modesto, 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.
Next Gen Home Loans
909 15th St #1, Modesto, CA 95354
8005448538
Alex The Lender
1718 H St, Modesto, CA 95354
2097566479
Academy Mortgage - Modesto
1001 Sylvan Ave Bldg B, Modesto, CA 95350
2098092312
Ed Parcaut - Mortgage Broker - Lending For Living
121 Rue De Yoe, Modesto, CA 95354
2095280509
Lending Assets
1356 Mitchell Rd Suite B, Modesto, CA 95351
8004089047
NorCal Mortgage
1127 13th St A, Modesto, CA 95354
8005793768
Jesse Santana Home Loans
823 15th St, Modesto, CA 95354
2095051821
Josh Dobson - MortgageDadof3
1409 Standiford Ave Suite 1, Modesto, CA 95350
2099889284
Alex Pallios - Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
2092020600
Alameda Mortgage Corporation
1101 Sylvan Ave suite c-102, Modesto, CA 95350
2095684941
Sondra Yates, CrossCountry Mortgage
3001 Coffee Rd Suite 2 & 7, Modesto, CA 95355
2094953562
Victor Martinez- Next Gen Home Loans| Financing for All, Hablamos Español
909 15th St #1, Modesto, CA 95354
2097801015
NoLo Real Estate & Mortgage Services, Inc.
4230 Kiernan Ave #140, Modesto, CA 95356
2095053360
Guild Mortgage - Will Patterson
1101 Sylvan Ave Ste A-29, Modesto, CA 95350
2096057118
Aaron C. McKeon-Generations Home Loans
1230 E Orangeburg Ave suite c, Modesto, CA 95350
2093803913
THE MORTGAGE DR
3421 Tully Rd Ste A, Modesto, CA 95350
2092101840
Ability Ambeck Mortgage
220 Standiford Ave Suites G & J, Modesto, CA 95350
2095214480
Gerardo Perez | Mortgage Advisor
909 15th St, Modesto, CA 95354
2093033631
Primary Residential Mortgage, Inc. - Oro Valley
4216 Kiernan Ave Bldg A Ste 104, Modesto, CA 95356
2095433505
Up Star Home Mortgage Inc.
2005 Evergreen Ave, Modesto, CA 95350
2098465188
Mortgage lenders in Modesto California help homebuyers and homeowners secure financing for residential properties. California law requires lenders to provide a Good Faith Estimate of loan costs within three business days of a loan application. Local lenders are familiar with Stanislaus County property values and can guide you through the state specific escrow and disclosure requirements.
What Does a Mortgage Lender in Modesto Cost?
Typical costs for a mortgage lender in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $500 to $700, and title insurance costing about $2,000 to $3,500. Closing costs in Modesto generally range from 2% to 5% of the home purchase price. These figures vary by loan size, property type, and lender. 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 Modesto?
You typically need pay stubs, tax returns, bank statements, and a valid ID. California lenders also require a signed application and a credit report authorization. The exact list depends on your employment and loan type.
How long does a mortgage loan process take in California?
A standard mortgage loan in California usually takes 30 to 45 days from application to closing. Delays can occur if appraisals or title work take longer. California law sets specific timelines for lender disclosures and rescission periods.
Are there special mortgage programs for California first time home buyers?
Yes, California offers programs like the CalHFA first mortgage and down payment assistance loans. These programs have income and purchase price limits specific to Modesto and Stanislaus County. A local lender can explain eligibility and application steps.
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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.