Find Mortgage Lenders in Santa Maria, CA
Compare mortgage lenders in Santa Maria. Review contact information and insurance categorys before you decide.
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 20 mortgage lenders in Santa Maria, 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 Maria Cost?
Typical costs for a mortgage in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance of $1,500 to $3,000. Closing costs generally range from 2% to 5% 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 Maria?
You typically need pay stubs, tax returns, bank statements, and photo identification. California lenders also require a credit check and proof of assets.
How long does the mortgage process take in California?
The process usually takes 30 to 45 days from application to closing. California law requires a three-day right of rescission for refinances after closing.
Are there first-time home buyer programs in Santa Maria?
Yes, California offers the CalHFA program with down payment assistance for qualified buyers. Santa Barbara County also has local grants for first-time buyers.