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 Santa Barbara, 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.
Dawn Flori NMLS# 2348631 | The Kelly Marsh Team at Cornerstone Home Lending
1828 State St, Santa Barbara, CA 93101
8055631100
Austin Lampson at OriginPoint NMLS 2185899
1525 State St #104, Santa Barbara, CA 93101
8058697100
Susan Bonanno - Mortgage Advisor
5290 Overpass Rd STE 123, Santa Barbara, CA 93111
8052526324
Vicky Reese - TIME Lending Mortgage Broker
3820 State St D, Santa Barbara, CA 93105
8058864052
Ranch & Coast Mortgage Group, Inc.
1117 State St, Santa Barbara, CA 93101
8054486932
Guy Rivera - Branch Manager - Your Guy in the Mortgage Industry
1736 State St, Santa Barbara, CA 93101
8054523804
Michele Herrera at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705517
Jeff Bochsler at Rate (NMLS #770636)
1165 Coast Village Rd C, Santa Barbara, CA 93108
8052901828
Leah Gaona at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8057705502
Matt Genovese - MG Lending
1114 State St # 237, Santa Barbara, CA 93101
8058860878
Diana MacFarlane - Mortgage Lender
606 Calle De Los Amigos, Santa Barbara, CA 93105
8058868269
Dan Marchiando at Paragon Mortgage Group
1215 De La Vina St STE G, Santa Barbara, CA 93101
8058860581
Valerie Gonzales at CrossCountry Mortgage
319 E Carrillo St Suite 104, Santa Barbara, CA 93101
8055504325
Paragon Mortgage Group
1215 De La Vina St STE G, Santa Barbara, CA 93101
8058991390
Jennifer Ellison - RPM Mortgage Santa Barbara
319 E Carrillo St #100, Santa Barbara, CA 93101
8054521838
Tim Dugan
8 W Victoria St, Santa Barbara, CA 93101
8056891370
McAdams Financial Services
217 E Anapamu St, Santa Barbara, CA 93101
8059631496
The Dream Team @ Movement Mortgage
222 E Carrillo St Suite 107, Santa Barbara, CA 93101
8058868318
Rate
1165 Coast Village Rd C, Santa Barbara, CA 93108
8053358686
Chase Home Lending
3768 State St, Santa Barbara, CA 93105
9289209822
What Does a Mortgage Lender in Santa Barbara Cost?
Typical costs for a mortgage in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $500 to $700, and title insurance of $1,000 to $2,500. Closing costs generally range from 2% to 5% of the purchase price. California also charges a documentary transfer tax of $0.55 per $500 of property value in most counties. 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 Santa Barbara?
You typically need recent pay stubs W-2 forms tax returns bank statements and a valid ID. California lenders also require a credit report and may ask for proof of assets or gift funds if applicable.
How long does it take to close on a mortgage in California?
The standard closing timeline in California is 30 to 45 days from application to funding. Some lenders offer expedited options that can close in 21 days if all documents are ready.
What are the current mortgage rate trends in Santa Barbara?
Mortgage rates in Santa Barbara follow national trends but can vary by lender and loan type. Rates are influenced by the Federal Reserve and local market conditions. It is wise to compare quotes from multiple lenders.