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Find Mortgage Lenders Near You in Laguna Niguel, CA
Compare mortgage lenders in Laguna Niguel. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Laguna Niguel, 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 12 mortgage lenders in Laguna Niguel, 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.
Sabina Adamski at Guaranteed Rate Affinity (NMLS 1598145)
28051 Greenfield Dr A Ste, Laguna Niguel, CA 92677
9495912787
Network Lending Services
30131 Town Center Dr #180, Laguna Niguel, CA 92677
9497979188
Laguna Niguel
30101 Town Center Dr # 207, Laguna Niguel, CA 92677
8888924070
Mortgage Moon
28202 Cabot Rd UNIT 100, Laguna Niguel, CA 92677
8003857590
Finance of America Mortgage LLC
32451 Golden Lantern, Laguna Niguel, CA 92677
9497697654
Logical Home Lending
23807 Aliso Creek Rd #202, Laguna Niguel, CA 92677
3102835410
La Paz Mortgage INC
30131 Town Center Dr #177, Laguna Niguel, CA 92677
9497706067
Mortgage Grader
23807 Aliso Creek Rd #210, Laguna Niguel, CA 92677
9493899333
Prime Lending
28202 Cabot Rd, Laguna Niguel, CA 92677
9493251250
Hayward Capital Inc
28202 Cabot Rd #300, Laguna Niguel, CA 92677
8003391055
Mortgage lenders in Laguna Niguel, California help home buyers and homeowners secure financing for home purchases, refinances, and construction loans. California law requires lenders to provide a Good Faith Estimate and a Loan Estimate within three business days of application. Local lenders understand Orange County market conditions and can guide you through the state specific escrow and disclosure requirements.
What Does a Mortgage Lender in Laguna Niguel 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 $400 to $700, and title insurance averaging $1,000 to $2,500. Closing costs generally range from 2% to 5% of the purchase price. These costs vary by loan type, property value, and lender. 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 Laguna Niguel?
You typically need two years of tax returns, recent pay stubs, bank statements, and a valid ID. California lenders may also require proof of homeowners insurance and a property appraisal.
How long does the mortgage process take in California?
The process usually takes 30 to 45 days from application to closing. California law mandates a three day right of rescission for refinances, which adds to the timeline.
Are there special loan programs for California home buyers?
Yes, California offers the CalHFA program with down payment assistance for first time buyers. Many lenders also offer FHA, VA, and conventional loans with local conforming limits.
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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.