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Compare mortgage lenders in Ladera Ranch. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Ladera Ranch, 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 3 mortgage lenders in Ladera Ranch, 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.
Ladera Lending, Inc.
555 Corporate Dr, Ladera Ranch, CA 92694
8005929396
Franklin Direct
111 Corporate Dr Suite 170, Ladera Ranch, CA 92694
9492987060
Truss Financial Group
999 Corporate Dr, Ladera Ranch, CA 92694
8888787715
Mortgage lenders in Ladera Ranch, California help homebuyers and homeowners secure financing for purchases and refinances. California law requires lenders to be licensed under the California Financing Law and to provide clear disclosure of loan terms. Local lenders often understand the specific housing market and HOA requirements common in Ladera Ranch communities.
What Does a Mortgage Lender in Ladera Ranch 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 third-party costs like title insurance and escrow fees totaling 2% to 5% of the purchase price. For a $700,000 home in Ladera Ranch, closing costs often range from $14,000 to $35,000. 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 documents do I need to apply for a mortgage in Ladera Ranch?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and identification. California lenders may also request proof of homeowners insurance and HOA documents for condos or planned communities.
How long does the mortgage process take in California?
The process usually takes 30 to 45 days from application to closing. California law requires a three-business-day right of rescission for refinances, which can add time.
Are there any California-specific mortgage programs for first-time buyers?
Yes, the California Housing Finance Agency (CalHFA) offers down payment assistance and low-interest loans for qualified first-time buyers. These programs have income and purchase price limits that apply in Ladera Ranch.
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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.