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Directory of mortgage lenders in Palo Alto, California. Verify credentials with the state mortgage licensing authority before hiring.
20 agents listed
Updated May 2026
Palo Alto, 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 Palo Alto, 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.
Point
444 High St, Palo Alto, CA 94301
8887646823
Kim Heng & Alex Seroff - Heng Seroff Real Estate Group
Julie Fukuhara - 237892 - Wells Fargo Home Mortgage
And Surrounding Areas, Palo Alto, CA 94301
6503227277
Chase Home Lending
300 Hamilton Ave, Palo Alto, CA 94301
3104283416
TIAA Financial Services
531-535 Cowper St Suite 200, Palo Alto, CA 94301
8668422906
Chase Mortgage
855 El Camino Real Bldg 2, Ste 67, Palo Alto, CA 94301
6504708820
Tyler C Finley - Chase Home Lending Advisor - NMLS ID 1107079
300 Hamilton Ave, Palo Alto, CA 94301
6507661080
Bill Prainito - 285940 - Wells Fargo Home Mortgage
Serving Pa And Surrounding Areas, Palo Alto, CA 94301
6504647813
Kimberly Chen - 1870139 - Wells Fargo Home Mortgage
Serving Palo Alto And Surrounding Areas, Palo Alto, CA 94301
4083917029
Jeffrey Alan Klein - 306326 - Wells Fargo Home Mortgage
Serving Pa And Surrounding Areas, Palo Alto, CA 94301
6502693689
Jeff Ling Real Estate
1017 Fulton St, Palo Alto, CA 94301
4088776639
First Citizens Bank
420 Cowper St, Palo Alto, CA 94301
6504638700
Stanford Mortgage Corporation
2409 Park Blvd, Palo Alto, CA 94306
6503230400
Mortgage lenders in Palo Alto help home buyers and homeowners secure financing for property purchases or refinancing. California law requires lenders to be licensed under the California Financing Law and follow strict disclosure rules. Palo Alto has a competitive housing market, so working with a local lender can help you navigate fast-moving transactions and high property values.
What Does a Mortgage Lender in Palo Alto 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 title insurance costs of $1,000 to $3,000. Closing costs generally range from 2% to 5% of the purchase price. These costs vary by loan type and property value. 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 Palo Alto?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and identification. California lenders may also ask for additional proof of assets due to the high cost of local homes.
How long does mortgage approval take in California?
Initial pre-approval can take one to three days. Full underwriting and closing usually take 30 to 45 days. California law requires a three-business-day right of rescission for refinances.
Are there special loan programs for California home buyers?
Yes, California offers programs like the CalHFA loan for first-time buyers with down payment assistance. Palo Alto buyers may also qualify for conventional FHA or VA loans depending on eligibility.
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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.