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 5 mortgage lenders in Fair Oaks, 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.
Empire Home Loans, Inc.
4401 Hazel Ave #225, Fair Oaks, CA 95628
9168044768
Tri Valley Home Loans LLC
7844 Madison Ave #111, Fair Oaks, CA 95628
9169052500
Mortgage Broker - Rocky Forlano
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628
9168969820
Matt Keister The Loan Ranger
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628
9168787123
Smartloan
7844 Madison Ave Suite 114, Fair Oaks, CA 95628
9164364558
What Does a Mortgage Lender in Fair Oaks 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 400 to 700 dollars, and title insurance costs around 1,000 to 2,500 dollars. Closing costs in California generally range from 2 to 5 percent of the purchase price. These amounts vary by loan size and property location. 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 Fair Oaks?
You will need proof of income such as pay stubs and tax returns, bank statements, and a valid ID. California lenders also require a credit report and details about your debts and assets.
How long does the mortgage process take in California?
The typical mortgage process in California takes 30 to 45 days from application to closing. This timeline can vary based on loan type and the complexity of your financial situation.
What is the California preapproval process for a mortgage?
Preapproval involves a lender reviewing your credit and financial documents to give you a loan estimate. This step is important because it shows sellers you are a serious buyer and helps you understand your budget.