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Find Mortgage Brokers Near You in Morro Bay, CA

Compare mortgage brokers in Morro Bay. Review contact information and insurance categorys before you decide.

8 agents listed
Updated June 2026
Morro 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 State Mortgage Licensing Authority of California before hiring.
Showing 8 mortgage brokers in Morro 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.
Envoy Mortgage - Morro Bay, CA
310 Morro Bay Blvd Suite 101, Morro Bay, CA 93442
(805) 225-6166 envoymortgage.com
Sean Mertens - Assist Home Loans
1185 Las Tunas St, Morro Bay, CA 93442
(805) 540-9909 seanmertens-assisthomeloans.com
Steve Dinielli
310 Morro Bay Blvd, Morro Bay, CA 93442
(805) 772-3863 envoymortgage.com
Central Coast Lending
601 Morro Bay Blvd Suite B, Morro Bay, CA 93442
(805) 543-5626 centralcoastlending.com
Reverse Mortgage Specialist
365 Surf St, Morro Bay, CA 93442
(805) 772-3658 reversepro.com
Chase Home Lending
595 Morro Bay Blvd, Morro Bay, CA 93442
(805) 772-4478 homelendingadvisor.chase.com
EstaR Reverse
798 Morro Bay Blvd STE E, Morro Bay, CA 93442
(805) 203-6872 estarmortgage.com
Michael McAvoy - Chase Home Lending Advisor - NMLS ID 1547403
595 Morro Bay Blvd, Morro Bay, CA 93442
(805) 772-4478 homelendingadvisor.chase.com

Mortgage brokers in Morro Bay help home buyers and refinancers find loan options from multiple lenders. California law requires brokers to disclose all fees and terms clearly under the California Finance Lenders Law. Working with a local broker can simplify the process of buying a home along the Central Coast.

What Does a Mortgage Broker in Morro Bay Cost?

Mortgage broker fees in California typically range from 1% to 2% of the loan amount. For a $500,000 home loan this could be $5,000 to $10,000. Some brokers charge a flat fee instead of a percentage. Costs vary based on loan complexity, lender requirements, and your credit 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 Morro Bay do?
A mortgage broker acts as an intermediary between you and multiple lenders. They gather your financial information, shop for loan products, and help you compare rates and terms. In California, brokers must be licensed by the Department of Financial Protection and Innovation.
How do I choose a mortgage broker in Morro Bay?
Look for a broker with a valid California license and good reviews from local clients. Ask about their experience with different loan types such as conventional, FHA, VA, or jumbo loans. It is wise to interview at least two brokers before deciding.

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