Find Mortgage Brokers Near You in Modesto, CA
Browse mortgage brokers serving Modesto, California. Contact information and addresses listed below.
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
State Mortgage Licensing Authority of California before hiring.
Showing 20 mortgage brokers in Modesto, 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.
A mortgage broker in Modesto California helps you find home loans from multiple lenders. They can assist with conventional loans FHA loans and VA loans. California law requires mortgage brokers to be licensed by the Department of Financial Protection and Innovation and to follow strict disclosure rules under the California Finance Lenders Law.
What Does a Mortgage Broker in Modesto Cost?
Mortgage broker fees in California typically range from 1% to 2% of the loan amount. For a $400,000 loan this means $4,000 to $8,000 in fees. Some brokers charge a flat fee instead of a percentage. You may also pay third party costs like appraisal and credit report fees. California law requires brokers to provide a Loan Estimate within three business days of application. 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 Modesto?
A mortgage broker acts as an intermediary between you and potential lenders. They gather your financial information shop for loan options and help you complete the application process. They do not lend money directly but find a lender that fits your needs.
How do I choose a mortgage broker in Modesto California?
Look for a broker licensed with the California Department of Financial Protection and Innovation. Check their experience with local properties and ask about their fee structure. You can verify a brokers license on the NMLS Consumer Access website.
What documents do I need to apply with a mortgage broker in Modesto?
You typically need pay stubs tax returns bank statements and identification. For self employed borrowers you may need two years of tax returns and profit loss statements. California lenders also require a property appraisal and proof of homeowners insurance.