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Directory of mortgage lenders in Encinitas, California. Verify credentials with the state mortgage licensing authority before hiring.
18 agents listed
Updated May 2026
Encinitas, 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 18 mortgage lenders in Encinitas, 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.
Dave Pennington at CrossCountry Mortgage
322 Encinitas Blvd #170, Encinitas, CA 92024
6199949723
Hougard Loans, Bayshore Home Loans
700 2nd St Suite E, Encinitas, CA 92024
8009822680
Moose Mau
144 W D St Suite 115, Encinitas, CA 92024
6192519776
BluPrint Home Loans
607 N Vulcan Ave Unit 6, Encinitas, CA 92024
8884054580
Zachary Taylor at CrossCountry Mortgage, LLC
322 Encinitas Blvd #170, Encinitas, CA 92024
6198137908
Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.
527 Encinitas Blvd STE 202, Encinitas, CA 92024
8585185491
Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.
515 Encinitas Blvd #202, Encinitas, CA 92024
7605572230
C2MortgageGroup
1480 Tennis Match Way, Encinitas, CA 92024
7608401230
Hargrave Home Loans - Mortgage Broker
208 W J St, Encinitas, CA 92024
8583040572
MyPrimeHomeLoan.com LLC
1084 N El Camino Real B138, Encinitas, CA 92024
8006006745
Lyons Mortgage Services, Inc.
1991 Village Park Way #100, Encinitas, CA 92024
2134743213
Marc Datnow at Rate (NMLS #1707820)
617 Saxony Pl Suite 101, Encinitas, CA 92024
6195353170
American Pacific Mortgage, Inc. - Yancy Martinson
515 Encinitas Blvd #202, Encinitas, CA 92024
7606121454
The Home Loan Collective - NEO Home Loans
662 Encinitas Blvd Ste. 201, Encinitas, CA 92024
8584019353
Change Home Mortgage
SHAW FINANCIAL BUILDING, 2211 Encinitas Blvd #218, Encinitas, CA 92024
6195644351
American Pacific Mortgage (NMLS #1438220)
527 Encinitas Blvd STE 202, Encinitas, CA 92024
7605572230
Jeff Cooper Home Loans and Refinancing
511 S Coast Hwy 101, Encinitas, CA 92024
7608558825
Padre Mortgage
1613 Linda Sue Ln, Encinitas, CA 92024
7604365289
Mortgage lenders in Encinitas California help homebuyers and homeowners secure financing for residential properties. California law requires lenders to be licensed under the California Financing Law and to provide clear loan estimates. Local lenders understand the unique housing market and coastal property values in North County San Diego.
What Does a Mortgage Lender in Encinitas Cost?
Typical costs for a mortgage lender in California include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees from 500 to 700 dollars, and title insurance ranging from 1,000 to 3,000 dollars. Closing costs generally total 2 to 5 percent of the purchase price. 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 license do mortgage lenders need in California?
Mortgage lenders in California must be licensed by the Department of Financial Protection and Innovation under the California Financing Law. Loan officers must also hold a valid Nationwide Multistate Licensing System registration.
How long does a mortgage loan process take in Encinitas?
The typical mortgage loan process in California takes 30 to 45 days from application to closing. Delays can occur due to appraisal backlogs or title issues specific to coastal properties.
Are there special loan programs for first time buyers in California?
Yes, California offers the CalHFA program with down payment assistance and competitive rates for first time buyers. Local lenders in Encinitas may also offer FHA and VA loans with lower down payment requirements.
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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.