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Directory of mortgage brokers in Carmel, California. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Carmel, 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 2 mortgage brokers in Carmel, 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.
SV Mortgage Group
26135 Carmel Rancho Blvd Ste. F200, Carmel, CA 93923
8312008435
HCS Equity
7412 Cypress Ln, Carmel, CA 93923
8312788622
Mortgage brokers in Carmel California help home buyers and homeowners find suitable loan products from multiple lenders. California law requires mortgage brokers to be licensed by the Department of Financial Protection and Innovation. Brokers in Carmel often work with properties in high-value coastal areas and must follow state disclosure rules under the California Residential Mortgage Lending Act.
What Does a Mortgage Broker in Carmel Cost?
Mortgage broker fees in California typically range from 0.5 percent to 2.75 percent of the loan amount. Some brokers charge a flat fee instead of a percentage. For a 500000 dollar loan this could mean a fee between 2500 and 13750. Costs vary by loan complexity and broker policies. 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 mortgage broker do in Carmel California?
A mortgage broker acts as an intermediary between you and potential lenders. They gather your financial information, compare loan options from different banks and credit unions, and help you choose a mortgage that fits your needs. In California brokers must provide a Good Faith Estimate of costs early in the process.
Do I need a mortgage broker to buy a home in Carmel?
No you do not need a broker you can apply directly with a bank or credit union. However a broker can save you time by shopping multiple lenders for you. In California brokers are required to disclose all fees and any compensation they receive from lenders.
How do I choose a mortgage broker in Carmel?
Look for a broker licensed with the California Department of Financial Protection and Innovation. Check their experience with local property types and ask for references. You can verify their license on the Nationwide Multistate Licensing System website.
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Legal Notice
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.