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Compare mortgage lenders in Morro Bay. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
Morro 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 9 mortgage lenders in Morro 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.
Envoy Mortgage - Morro Bay, CA
310 Morro Bay Blvd Suite 101, Morro Bay, CA 93442
8052256166
Sean Mertens - Assist Home Loans
1185 Las Tunas St, Morro Bay, CA 93442
8055409909
Steve Dinielli
310 Morro Bay Blvd, Morro Bay, CA 93442
8057723863
Central Coast Lending
601 Morro Bay Blvd Suite B, Morro Bay, CA 93442
8055435626
Reverse Mortgage Specialist
365 Surf St, Morro Bay, CA 93442
8057723658
EstaR Reverse
798 Morro Bay Blvd STE E, Morro Bay, CA 93442
8052036872
Chase Home Lending
595 Morro Bay Blvd, Morro Bay, CA 93442
8057724478
Michael McAvoy - Chase Home Lending Advisor - NMLS ID 1547403
595 Morro Bay Blvd, Morro Bay, CA 93442
8057724478
MMC LENDING _ Corey Jones_ Branch Manager
1163 Main St, Morro Bay, CA 93442
8052255225
Mortgage lenders in Morro Bay California help home buyers 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 application. Local lenders understand the unique Morro Bay real estate market and can guide you through the state specific disclosure requirements.
What Does a Mortgage Lender in Morro Bay Cost?
Mortgage lender costs in California typically include an origination fee of 0.5% to 1% of the loan amount, plus appraisal fees of $500 to $700, and title insurance of $1,500 to $3,000. Closing costs generally range from 2% to 5% of the purchase price. 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 Morro Bay?
You typically need pay stubs, tax returns, bank statements, and photo identification. California lenders also require a signed application and a credit check authorization.
How long does the mortgage process take in California?
The process usually takes 30 to 45 days from application to closing. California law mandates a three day right of rescission for refinances after closing.
Are there special loan programs for California home buyers?
Yes, California offers programs like the CalHFA loan for first time buyers. These programs may have lower down payment requirements and competitive interest rates.
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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.