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Looking for a mortgage lender in Carlsbad? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Carlsbad, 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 20 mortgage lenders in Carlsbad, 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.
MortgageOne, Inc.
2714 Loker Ave W #300, Carlsbad, CA 92010
7606076006
DG Funding
1932 Kellogg Ave, Carlsbad, CA 92008
8773282285
Bay Equity Home Loans
1808 Aston Ave Suite 200A, Carlsbad, CA 92008
7604050711
Bluefire Mortgage Group
2121 Palomar Airport Rd Suite 150, Carlsbad, CA 92011
7609300569
PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
8002773423
Mutual of Omaha Mortgage
2888 Loker Ave E Suite 320, Carlsbad, CA 92010
7604925650
RealMortgage
2173 Salk Ave Suite 250, Carlsbad, CA 92008
8884438902
Guild Mortgage - Julia Cruz
701 Palomar Airport Rd Suite 300, Office 49, Carlsbad, CA 92011
6198048443
Mission Pacific Mortgage
2888 Loker Ave E Suite 110, Carlsbad, CA 92010
7604384111
America One Mortgage Group
1902 Wright Pl #200, Carlsbad, CA 92008
8889425626
Scott Swartz @ Loan Advisor Group
2011 Palomar Airport Rd, Carlsbad, CA 92011
8583428898
Dan Chapman
1265 Carlsbad Village Dr #200, Carlsbad, CA 92008
7604540914
Katie Burciaga PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
7147461002
Greg Chigas PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
6198230913
Nick Boxberger - Mortgage Lender - All Western Mortgage, Sr Mortgage Expert NMLS#1386823
5927 Balfour Ct Suite 104, Carlsbad, CA 92008
6023171262
Mortgage Broker Matt Moreno
1932 Kellogg Ave, Carlsbad, CA 92008
6198713948
Janus Mortgage
2588 El Camino Real, Carlsbad, CA 92008
7607201700
Reverse Mortgage-Christina Harmes Group
3207 Grey Hawk Ct # 110, Carlsbad, CA 92010
6199933882
America's Loan Advisors
701 Palomar Airport Rd #300, Carlsbad, CA 92011
7602802800
Alex Covarrubias- West Capital Lending
5740 Fleet St #120, Carlsbad, CA 92008
7607072085
Mortgage lenders in Carlsbad, California help homebuyers and homeowners secure financing for property purchases and refinancing. California law requires lenders to be licensed under the California Financing Law and to provide clear disclosures about loan terms and fees. Local lenders understand the unique real estate market in Carlsbad and can guide you through the loan process.
What Does a Mortgage Lender in Carlsbad Cost?
Typical costs for a mortgage lender in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $500 to $700, and title insurance costs of $2,000 to $4,000. Closing costs generally range from 2% to 5% of the purchase price. These amounts vary based on loan type, property value, and lender policies. 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 documents do I need to apply for a mortgage in Carlsbad?
You typically need pay stubs, tax returns, bank statements, and identification. California lenders also require a signed application and a credit report authorization. Self employed borrowers may need additional profit and loss statements.
How long does a mortgage loan take to close in California?
A standard mortgage loan in California usually closes in 30 to 45 days. Some lenders offer faster timelines of 21 days for well qualified borrowers. Delays can occur if appraisals or title work take longer.
What is the California Finance Lender Law?
The California Finance Lender Law requires all mortgage lenders and brokers to be licensed by the Department of Financial Protection and Innovation. This law sets rules for loan disclosures, interest rates, and borrower protections. It helps ensure lenders follow state regulations.
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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.