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Compare mortgage brokers in Rancho Santa Margarita. Review contact information and insurance categorys before you decide.
14 agents listed
Updated May 2026
Rancho Santa Margarita, 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 14 mortgage brokers in Rancho Santa Margarita, 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.
Grand Lending Team
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
9492025332
Universal Capital Mortgage Corporation
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
8007360565
Mike Mayyas - Mortgage Lender
Rancho Santa Margarita, CA 92688
9095324590
Pacific Choice Mortgage
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
9496461091
Doug Betz Mortgage Lender, Realtor
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
9493159058
Sun Financial Group
30021 Tomas, Rancho Santa Margarita, CA 92688
9495995253
Golden State Financial Group
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
9492339180
Right Choice Mortgage, Inc
29829 Santa Margarita Pkwy Ste 100, Rancho Santa Margarita, CA 92688
9499006725
Michael & Company Real Estate & Mortgage
30021 Tomas 3rd floor, Rancho Santa Margarita, CA 92688
7144225143
United Real Estate Capital
30211 Avenida de las Banderas Suite 260, Rancho Santa Margarita, CA 92688
8002988474
Next Generation Lender
22521 Avenida Empresa #100, Rancho Santa Margarita, CA 92688
9496063747
Mortgage Direct Corporation
30021 Tomas #300, Rancho Santa Margarita, CA 92688
9497094507
Mortgage, Bank of America
31531 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
7143321671
US Bank Mortgage
22012 El Paseo, Rancho Santa Margarita, CA 92688
8008722657
Mortgage brokers in Rancho Santa Margarita help home buyers and homeowners find suitable home loan products from multiple lenders. California law requires mortgage brokers to be licensed through the Nationwide Multistate Licensing System and follow strict disclosure rules under the California Residential Mortgage Lending Act. Local brokers understand Orange County market conditions and can assist with conventional FHA VA and jumbo loans.
What Does a Mortgage Broker in Rancho Santa Margarita Cost?
Mortgage broker fees in California typically range from 1 percent to 3 percent of the loan amount. For a 500000 dollar loan this means 5000 to 15000 in broker compensation. Some brokers charge a flat fee or an hourly rate. Additional costs include appraisal fees credit report fees and title insurance. California law requires brokers to disclose all fees in a Loan Estimate form 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 Rancho Santa Margarita?
A mortgage broker acts as an intermediary between you and multiple lenders to find a home loan that fits your needs. They handle paperwork compare interest rates and guide you through the approval process. In California brokers must provide a good faith estimate of loan costs within three business days of your application.
How do I choose a mortgage broker in Rancho Santa Margarita?
Look for a broker licensed with the California Department of Financial Protection and Innovation. Check their NMLS number online and read client reviews. Ask about their experience with local property types and loan programs available in Orange County.
What documents do I need for a mortgage application in California?
You will need recent pay stubs W-2 forms tax returns bank statements and identification. California law allows lenders to request additional documentation to verify income and assets. Self-employed borrowers may need profit and loss statements for the past two years.
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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.