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Looking for a va loan specialist in Santa Maria? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Santa Maria, 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 8 va loan specialists in Santa Maria, 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.
Mickey Hellman at Certainty Home Lending (NMLS #244724)
3529 Mercury Dr Office #1, Santa Maria, CA 93455
8058783541
Envoy Mortgage - Santa Maria, CA
1110 E Clark Ave Suite U-250 and U260, Santa Maria, CA 93455
8057424881
Novel Home Loans
722 E Main St Suite 105, Santa Maria, CA 93454
8056147000
Pauline Imano at CrossCountry Mortgage
411 Betteravia Rd # 202, Santa Maria, CA 93454
8053324811
Guild Mortgage Company
3535 Mercury Dr, Santa Maria, CA 93455
8053610355
CrossCountry Mortgage, LLC
411 Betteravia Rd # 202, Santa Maria, CA 93454
8055989110
American Mortgage Lenders Inc.
2011 S Broadway Ste B, Santa Maria, CA 93454
8053490335
VA Loan Expert - Jeff Stone
1111 S Broadway #111, Santa Maria, CA 93458
7192872003
VA loan specialists in Santa Maria help veterans and active duty service members secure home financing with no down payment. California law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Santa Maria has a strong military community due to nearby Vandenberg Space Force Base, making local VA loan expertise especially valuable.
What Does a VA Loan Specialist in Santa Maria Cost?
VA loan specialists in California typically charge origination fees ranging from 0.5% to 1% of the loan amount. Some specialists may charge a flat fee between $500 and $1,500 for their services. The VA also charges a funding fee unless you are exempt due to a service-connected disability. Costs vary by lender and loan complexity. 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 does a VA loan specialist in Santa Maria do?
A VA loan specialist guides you through the VA home loan process from pre-approval to closing. They help you understand eligibility requirements and find lenders familiar with Santa Maria real estate. They also explain California specific rules like property tax exemptions for disabled veterans.
Do I need a California license to be a VA loan specialist?
Yes, all mortgage loan originators in California must hold a valid license through the Nationwide Multistate Licensing System. This includes VA loan specialists working in Santa Maria. You can verify a license on the NMLS Consumer Access website.
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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.