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Browse mortgage brokers serving Capitola, California. Contact information and addresses listed below.
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 mortgage brokers 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
Jose Mendoza - Karma Mortgage Solutions
830 Bay Ave A, Capitola, CA 95010
8312347082
Supreme Lending Capitola
4510 Capitola Rd, Capitola, CA 95010
8314755626
Guild Mortgage Company
1500 41st Ave #100, Capitola, CA 95010
8314761624
Dwayne Dawson - Senior Loan Officer, Broker
621 Capitola Ave, Capitola, CA 95010
8315887288
Mortgage brokers in Capitola, California help homebuyers and homeowners find suitable loan options from multiple lenders. They guide clients through the loan process and ensure compliance with California state lending laws. Capitola brokers often work with local lenders familiar with Santa Cruz County property values.
What Does a Mortgage Broker in Capitola Cost?
Mortgage broker fees in California typically range from 1% to 3% of the loan amount. For a $500,000 loan, this could be $5,000 to $15,000. Some brokers charge a flat fee instead of a percentage. Costs vary based on loan complexity and lender requirements. 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 does a mortgage broker do in Capitola?
A mortgage broker acts as an intermediary between you and potential lenders. They gather your financial information, shop for loan products, and help you complete the application. They do not lend money directly but connect you with lenders.
Do I need a mortgage broker to buy a home in California?
No, you are not required to use a mortgage broker. You can apply directly with banks or credit unions. However, a broker can offer access to multiple lenders and may save you time comparing rates and terms.
Are mortgage brokers licensed in California?
Yes, mortgage brokers must be licensed by the California Department of Financial Protection and Innovation. They must pass a background check and complete continuing education. You can verify a brokers license on the NMLS website.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.