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 19 mortgage lenders in San Luis Obispo, 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.
Assist Home Loans
1410 Noveno Ave, San Luis Obispo, CA 93401
8057570544
Pacific Trust Mortgage
735 Tank Farm Rd, San Luis Obispo, CA 93401
8055434422
Landon Spitler at Certainty Home Lending (NMLS #633244)
895 Pismo St, San Luis Obispo, CA 93401
8054710243
Donna Lewis at Rate (NMLS #245945)
1065 Higuera St Suite 100, San Luis Obispo, CA 93401
8053358743
Ben Lerner at Certainty Home Lending (NMLS #395723)
895 Pismo St, San Luis Obispo, CA 93401
8054419486
Arrona Financial: David Arrona, Mortgage Broker
599 Higuera St f, San Luis Obispo, CA 93401
8055440160
Jeff Meyers at CrossCountry Mortgage
846 Higuera St # 5, San Luis Obispo, CA 93401
8054409006
The Mortgage House
1103 Toro St, San Luis Obispo, CA 93401
8057826999
Carley Smith at Certainty Home Lending (NMLS #448442)
895 Pismo St, San Luis Obispo, CA 93401
7734357563
Dylan Morrow at Rate
1065 Higuera St, San Luis Obispo, CA 93401
8055509742
Acquire Mortgage And Real Estate
1405 Garden St, San Luis Obispo, CA 93401
8055445626
Mike Poyntz - Motif Mortgage
1319 Marsh St STE 102, San Luis Obispo, CA 93401
8052340903
Primary Residential Mortgage, Inc.
1042 Pacific St # C, San Luis Obispo, CA 93401
8055460290
Kim Williams at Certainty Home Lending (NMLS #263247)
895 Pismo St, San Luis Obispo, CA 93401
8054716186
Central Coast Lending
1319 Marsh St, San Luis Obispo, CA 93401
8055435626
Bill Mott at Certainty Home Lending (NMLS #341086)
895 Pismo St, San Luis Obispo, CA 93401
8052345081
Tracie Southerland at Certainty Home Lending (NMLS #296909)
895 Pismo St, San Luis Obispo, CA 93401
6502551477
Kevin Cunningham at Certainty Home Lending (NMLS #633249)
895 Pismo St, San Luis Obispo, CA 93401
8054585178
Tracy Andreini at Certainty Home Lending (NMLS #306980)
895 Pismo St, San Luis Obispo, CA 93401
4156092440
What Does a Mortgage Lender in San Luis Obispo Cost?
Typical mortgage lender costs in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees from $500 to $700, and title insurance averaging $2,000 to $4,000. Third party costs such as escrow fees and recording fees add several hundred dollars. Actual 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 San Luis Obispo?
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 process usually takes 30 to 45 days from application to closing. California law mandates a three day rescission period for refinances. Your lender will provide a closing disclosure at least three business days before closing.
What are California specific mortgage rules I should know?
California requires lenders to be licensed under the California Department of Financial Protection and Innovation. The state also has anti predatory lending laws that limit certain loan terms. You have the right to a copy of your appraisal before closing.