ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse mortgage brokers serving Half Moon Bay, California. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Half Moon Bay, 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 Half Moon Bay, 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.
Vista Loans
426 St Joseph Ave, Half Moon Bay, CA 94019
8774563321
US Bank Mortgage
50 Cabrillo Hwy N, Half Moon Bay, CA 94019
8008722657
Mortgage brokers in Half Moon Bay California help homebuyers and homeowners find suitable loan products from multiple lenders. California law requires mortgage brokers to be licensed through the Nationwide Multistate Licensing System and Registry. Local brokers understand the unique coastal real estate market of San Mateo County.
What Does a Mortgage Broker in Half Moon Bay Cost?
Mortgage brokers in California typically charge an origination fee of 0.5% to 2.75% of the loan amount. For a $800,000 home in Half Moon Bay this fee could range from $4,000 to $22,000. Some brokers are paid by the lender through yield spread premiums. You may also pay application fees appraisal fees and processing fees. Costs vary by lender loan type and your financial profile. 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 in Half Moon Bay do?
A mortgage broker acts as an intermediary between you and multiple lenders. They gather your financial information and shop for loan options that fit your needs. They then help you through the application and approval process.
How is a mortgage broker different from a bank loan officer?
A bank loan officer can only offer products from their own bank. A mortgage broker has access to loans from many different lenders. This can provide more options and potentially better rates for your situation.
What documents do I need to apply for a mortgage in California?
You typically need recent pay stubs W-2 forms tax returns bank statements and photo identification. California also requires proof of homeowners insurance before closing. Your broker will give you a complete list.
Free • No Obligation
Compare Mortgage Brokers
Get matched with agents in Half Moon Bay who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
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.