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Directory of mortgage brokers in Fair Oaks, California. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Fair Oaks, 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 5 mortgage brokers in Fair Oaks, 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.
Empire Home Loans, Inc.
4401 Hazel Ave #225, Fair Oaks, CA 95628
9168044768
Tri Valley Home Loans LLC
7844 Madison Ave #111, Fair Oaks, CA 95628
9169052500
Mortgage Broker - Rocky Forlano
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628
9168969820
Matt Keister The Loan Ranger
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628
9168787123
Smartloan
7844 Madison Ave Suite 114, Fair Oaks, CA 95628
9164364558
Mortgage brokers in Fair Oaks, California help home buyers and homeowners find suitable loan products from various lenders. Under California law, mortgage brokers must be licensed by the Department of Financial Protection and Innovation and follow strict disclosure rules. Fair Oaks offers a mix of suburban homes and new developments, making local broker knowledge valuable for navigating purchase and refinance options.
What Does a Mortgage Broker in Fair Oaks Cost?
Mortgage broker fees in California typically range from 1% to 3% of the loan amount, though some brokers charge a flat fee of $2,000 to $5,000. Additional costs may include application fees, appraisal fees, and processing charges. California law requires brokers to disclose all fees in writing before you commit. 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 Fair Oaks?
A mortgage broker acts as an intermediary between you and multiple lenders to find a loan that fits your needs. They handle paperwork, compare rates, and guide you through the approval process. In California, brokers must provide a Mortgage Loan Originator license number for verification.
How do I choose a mortgage broker in Fair Oaks?
Look for a broker licensed in California with experience in your loan type, such as conventional, FHA, or VA loans. Check their history with the California Department of Financial Protection and Innovation. Ask for references and compare fee structures before committing.
Are there California-specific rules for mortgage brokers?
Yes, California requires mortgage brokers to follow the California Financing Law and provide a Good Faith Estimate of costs. They must also disclose any conflicts of interest and cannot charge fees without a written agreement. Brokers must renew their license every year.
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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.