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Browse mortgage lenders serving Scotts Valley, California. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Scotts Valley, 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 6 mortgage lenders in Scotts Valley, 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.
Char Johanson at Franklin Loan Center
5435 Scotts Valley Dr Ste K, Scotts Valley, CA 95066
8313310082
Bay Equity Home Loans
Scotts Valley Dr, Scotts Valley, CA 95066
8314610100
Mortgage 831
5521 Scotts Valley Dr #110, Scotts Valley, CA 95066
8315887201
Chase Mortgage
247 Mt Hermon Rd, Scotts Valley, CA 95066
8314381715
Cypress Mortgage
5321 Scotts Valley Dr #204, Scotts Valley, CA 95066
8314656701
US Bank Mortgage
253 Mt Hermon Rd, Scotts Valley, CA 95066
8314383697
Mortgage lenders in Scotts Valley California help home buyers and homeowners secure financing for residential properties. California law requires lenders to follow strict disclosure rules under the California Residential Mortgage Lending Act. Local lenders can guide you through loan options tailored to Santa Cruz County market conditions.
What Does a Mortgage Lender in Scotts Valley Cost?
Typical costs for a mortgage lender in California include an origination fee of 0.5% to 1% of the loan amount, plus third party fees for appraisal (400 to 700 dollars), title insurance (500 to 1,500 dollars), and escrow services (300 to 600 dollars). California also charges a documentary transfer tax of 0.11% of the sale price in most counties. These costs vary by loan size and property location. 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 Scotts Valley?
You typically need recent pay stubs, tax returns, bank statements, and a government ID. California lenders also require a signed application and a credit check. The exact list depends on your loan type and employment status.
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. Some lenders offer faster timelines of 21 days for well qualified borrowers. Delays can occur if appraisals or title work take longer.
What are the current California mortgage interest rates?
Mortgage interest rates in California vary daily based on market conditions and your credit profile. As of 2025, rates for a 30 year fixed loan often range from 6% to 8%. Contact a local lender for a personalized quote.
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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.