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Directory of mortgage lenders in Los Gatos, California. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Los Gatos, 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 Los Gatos, 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.
Direct Mortgage Funding
236 N Santa Cruz Ave STE 103, Los Gatos, CA 95030
4083952000
New American Funding - Los Gatos, CA
1615 Los Gatos Blvd Ste 205, Los Gatos, CA 95032
4082283392
Guaranteed Rate Affinity - Robert Bachman
16185 Los Gatos Blvd Suite 205 Office 38, Los Gatos, CA 95032
4088582663
FIDA FUND
634 N Santa Cruz Ave UNIT 209, Los Gatos, CA 95030
6502003828
Direct Mortgage Funding: Michele Morse Reen
236 N Santa Cruz Ave Suite 101, Los Gatos, CA 95030
4086261879
Linda Weilert, Reverse Mortgage Specialist
Tatyanna Teeuwisse, LAc, 14127 Capri Dr, Los Gatos, CA 95032
4086563751
New American Funding - Micah Gunter
16185 Los Gatos Blvd #205, Los Gatos, CA 95032
9168649526
New American Funding - Mary Hou
16185 Los Gatos Blvd #205, Los Gatos, CA 95032
2535233098
Academy Mortgage
236 N Santa Cruz Ave UNIT 239, Los Gatos, CA 95030
4083160494
Bayview Residential Brokerage
987 University Ave STE 12, Los Gatos, CA 95032
4082982591
Mark Smith Home Loans
455 Los Gatos Blvd, Los Gatos, CA 95032
4084823165
New American Funding - Stephen McKenzie
497 N Santa Cruz Ave, Los Gatos, CA 95030
4084609559
Bryan Russell, Mortgage Consultant
459 Monterey Ave Suite 213, Los Gatos, CA 95030
4086555835
Change Home Mortgage
20 S Santa Cruz Ave # 315, Los Gatos, CA 95030
4084003402
New American Funding - Josh Savea
16185 Los Gatos Blvd #205, Los Gatos, CA 95032
9169749685
Brett Nicoletti
236 N Santa Cruz Ave UNIT 239, Los Gatos, CA 95030
4083160494
Victoria Capital Mortgage Company
455 Los Gatos Blvd # 100, Los Gatos, CA 95032
4083916550
Westside Mortgage Group
569 University Ave, Los Gatos, CA 95032
4083541864
Golden Mortgage Company, Inc.
223 W Main St D, Los Gatos, CA 95030
6692327045
US Bank Mortgage
127 N Santa Cruz Ave, Los Gatos, CA 95030
8008722657
Mortgage lenders in Los Gatos 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 follow strict disclosure rules. Local lenders understand the unique real estate market in Santa Clara County and can guide you through the process.
What Does a Mortgage Lender in Los Gatos Cost?
Typical costs for a mortgage loan in California include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 500 to 700 dollars, and title insurance of 1,000 to 3,000 dollars. Closing costs generally range from 2 to 5 percent of the purchase price. These costs vary by lender and loan type. 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 for a mortgage loan in Los Gatos?
You typically need recent pay stubs, tax returns, bank statements, and proof of assets. California lenders also require a valid government ID and may ask for additional documents for self-employed borrowers.
How long does it take to close a mortgage in California?
The average mortgage closing in California takes 30 to 45 days. Delays can occur due to appraisal backlogs or document verification. California law requires a three day right of rescission for refinances.
What are the down payment requirements for a home in Los Gatos?
Conventional loans often require 3 to 20 percent down. FHA loans allow as low as 3.5 percent. Jumbo loans, common in Los Gatos due to high home prices, may require 10 to 20 percent down.
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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.