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Compare va loan specialists in Capitola. Review contact information and insurance categorys before you decide.
10 agents listed
Updated May 2026
Capitola, 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 10 va loan specialists in Capitola, 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.
Academy Mortgage - Santa Cruz - Capitola
1500 41st Ave #100, Capitola, CA 95010
8314761624
Matthew Falconer at CrossCountry Mortgage
4145 Clares St Suite F, 2nd Floor, Capitola, CA 95010
8313594430
Guild Mortgage - Monica Bowman
1500 41st Ave #100, Capitola, CA 95010
8318182435
Financial Solution Home Loans- Reverse and Forward mortgages. Jeri Skipper
1840 41st Ave STE 205, Capitola, CA 95010
8318180299
Change Home Mortgage
523 Capitola Ave, Capitola, CA 95010
8314600202
Dwayne Dawson - Argus Home Loans Real Estate Financing
621 Capitola Ave, Capitola, CA 95010
8315887288
Supreme Lending Capitola
4510 Capitola Rd, Capitola, CA 95010
8314755626
Argus Home Loans
621 Capitola Ave, Capitola, CA 95010
8314766331
CrossCountry Mortgage, LLC
4145 Clares St Suite F 2nd Floor, Capitola, CA 95010
8313594430
Dwayne Dawson - Senior Loan Officer, Broker
621 Capitola Ave, Capitola, CA 95010
8315887288
A VA loan specialist in Capitola, California can help eligible veterans, active duty service members, and surviving spouses secure a home loan with no down payment. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Capitola offers a unique coastal housing market, and a local specialist understands the specific property values and loan limits for Santa Cruz County.
What Does a VA Loan Specialist in Capitola Cost?
Typical costs for a VA loan specialist in California include an origination fee of 0.5% to 1% of the loan amount. The VA funding fee ranges from 1.25% to 3.3% of the loan amount depending on your down payment and service category. Third party costs like appraisal and title fees usually total between $500 and $2,500. Costs vary by lender 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 is a VA loan specialist in Capitola?
A VA loan specialist is a licensed mortgage professional who guides veterans through the VA home loan process. They help with obtaining a Certificate of Eligibility, understanding funding fees, and finding lenders familiar with California property rules.
Do I need a special license to be a VA loan specialist in California?
Yes. In California, all mortgage loan originators must be licensed under the California Department of Financial Protection and Innovation (DFPI) and registered with the NMLS. This ensures they meet state education and background check requirements.
Are there California specific rules for VA loans?
Yes. California does not impose additional state taxes on VA loans. However, the loan must comply with California usury laws and local property disclosure requirements, such as natural hazard disclosures for Capitola coastal areas.
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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.