Compare Mortgage Lenders in Santa Clara, CA
Looking for a mortgage lender in Santa Clara? Review the directory below to compare your options.
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
State Mortgage Licensing Authority of California before hiring.
Showing 17 mortgage lenders in Santa Clara, 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.
What Does a Mortgage Lender in Santa Clara Cost?
Typical costs for a mortgage lender 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 2,500 dollars. Closing costs in Santa Clara usually range from 2 to 5 percent of the purchase price. 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 Clara?
You typically need recent pay stubs W-2 forms tax returns bank statements and photo identification. California lenders may also require proof of California residency and a valid Social Security number or ITIN.
How long does mortgage approval take in California?
Most mortgage approvals in California take 30 to 45 days from application to closing. California law requires lenders to provide a Loan Estimate within three business days of application and a Closing Disclosure at least three business days before closing.
What is the minimum down payment for a home loan in Santa Clara?
Conventional loans often require 3 to 5 percent down. FHA loans allow as little as 3.5 percent down. VA and USDA loans may require zero down payment. California first-time homebuyer programs can also assist with down payment funds.