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Directory of mortgage lenders in Santa Monica, California. Verify credentials with the state mortgage licensing authority before hiring.
15 agents listed
Updated May 2026
Santa Monica, 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 15 mortgage lenders in Santa Monica, 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.
The Brothers M - Cornerstone Home Lending NMLS #1145071
139 Ocean Ave Ext #1, Santa Monica, CA 90402
3104050301
Commonwealth Bancorp
2812 Santa Monica Blvd #202, Santa Monica, CA 90404
4243965434
Reverse Your Thinking® Mortgage
1620 Broadway, Santa Monica, CA 90404
3104475266
Westside Mortgage Group
100 Wilshire Blvd Suite 700, Santa Monica, CA 90401
3109171028
Jason Vanderpoort, Movement Mortgage
2701 Ocean Park Blvd #140, Santa Monica, CA 90405
3103087115
Commercial Mortgage Broker
2450 Colorado Ave #239, Santa Monica, CA 90404
3102605900
Dizreal Castillo Xpert Home Lending - Mortgage Lender
631 Wilshire Blvd #4C, Santa Monica, CA 90401
6503893906
Mutual of Omaha Reverse Mortgage - Brad Dela Cruz
1622 A Wilshire Blvd, Santa Monica, CA 90403
3109207610
Target Rate
1932 14th St, Santa Monica, CA 90404
8777304999
Top California Lender
401 Wilshire Blvd, Santa Monica, CA 90401
4242097104
US Bank Mortgage
2232 Santa Monica Blvd, Santa Monica, CA 90404
8008722657
apt mortgage inc dba z home loans
1223 Wilshire Blvd, Santa Monica, CA 90403
3104632000
US Bank Mortgage
3302 Pico Blvd, Santa Monica, CA 90405
3103924693
Mortgage made easy!
2121 Ocean Ave, Santa Monica, CA 90405
7472226511
Lawrence Financial Group
201 Ocean Ave UNIT 1908B, Santa Monica, CA 90402
3102604700
Mortgage lenders in Santa Monica help homebuyers and homeowners secure financing for residential properties. California law requires lenders to be licensed under the California Financing Law and to provide clear disclosures about loan terms and costs. Working with a local lender can simplify the process of buying a home in Santa Monica competitive real estate market.
What Does a Mortgage Lender in Santa Monica 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 costs of 1,000 to 2,500 dollars. Closing costs in California generally range from 2 to 5 percent of the purchase price. You may also pay for credit report fees, escrow fees, and recording fees. 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 Monica?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. California lenders also require a signed authorization to check your credit report and may ask for additional proof of assets or rental history.
How long does it take to close a mortgage loan in California?
The average time to close a mortgage in California is 30 to 45 days. This timeline can vary based on the loan type, property appraisal, and the lender workload. California law requires a three-day right of rescission for most refinances.
Are there special mortgage programs for first-time homebuyers in California?
Yes, California offers programs like the California Housing Finance Agency CalHFA loan which provides down payment assistance. Local Santa Monica programs may also be available through the city or county housing authority. Eligibility requirements and funding limits apply.
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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.