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 16 mortgage lenders in Rancho Santa Margarita, 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.
Grand Lending Team
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
9492025332
Universal Capital Mortgage Corporation
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
8007360565
Mike Mayyas - Mortgage Lender
Rancho Santa Margarita, CA 92688
9095324590
Dallas Kessman - Real Estate and Mortgage Professional
30021 Tomas #300, Rancho Santa Margarita, CA 92688
9494446979
Pacific Choice Mortgage
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
9496461091
Doug Betz Mortgage Lender, Realtor
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
9493159058
Sun Financial Group
30021 Tomas, Rancho Santa Margarita, CA 92688
9495995253
Golden State Financial Group
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
9492339180
Right Choice Mortgage, Inc
29829 Santa Margarita Pkwy Ste 100, Rancho Santa Margarita, CA 92688
9499006725
United Real Estate Capital
30211 Avenida de las Banderas Suite 260, Rancho Santa Margarita, CA 92688
8002988474
Next Generation Lender
22521 Avenida Empresa #100, Rancho Santa Margarita, CA 92688
9496063747
Mortgage Direct Corporation
30021 Tomas #300, Rancho Santa Margarita, CA 92688
9497094507
Sierra Pacific Mortgage - Rancho Santa Margarita
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
7146899757
Mortgage, Bank of America
31531 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
7143321671
Chase Home Lending
22391 Antonio Pkwy Ste J-100, Rancho Santa Margarita, CA 92688
9494687683
US Bank Mortgage
22012 El Paseo, Rancho Santa Margarita, CA 92688
8008722657
What Does a Mortgage Lender in Rancho Santa Margarita 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 500 to 700 dollars, and title insurance fees from 1,000 to 2,500 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. These costs vary by loan type, property value, 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 Rancho Santa Margarita?
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 jumbo loans common in high cost areas.
How long does the mortgage process take in California?
The mortgage process in California usually takes 30 to 45 days from application to closing. California law requires a three business day review period after the Closing Disclosure is provided before the loan can close.
What are the typical down payment requirements for a home in Rancho Santa Margarita?
Down payment requirements vary by loan type. Conventional loans often require 5 to 20 percent down, while FHA loans may allow as little as 3.5 percent. In high cost areas like Orange County, some lenders offer programs with lower down payments.