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 5 mortgage lenders in Saratoga, 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.
UVC Financial
12280 Saratoga Sunnyvale Rd STE 206, Saratoga, CA 95070
4083146328
Coast Residential Funding, Inc.
14415 Big Basin Wy, Saratoga, CA 95070
4088669070
Private Mortgage Advisors - Saratoga
12772 Saratoga Sunnyvale Rd #1000, Saratoga, CA 95070
9255941920
Chase Mortgage
14410 Big Basin Wy, Saratoga, CA 95070
4088689214
Brandon Azevedo
12029 Saratoga Sunnyvale Rd #288, Saratoga, CA 95070
4088397305
What Does a Mortgage Lender in Saratoga Cost?
Typical mortgage lender costs in California include origination fees of 0.5 to 1 percent of the loan amount, appraisal fees from 500 to 700 dollars, and title insurance averaging 1,500 dollars. Closing costs 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 for a mortgage loan in Saratoga?
You typically need pay stubs, tax returns, bank statements, and a valid ID. California lenders also require a signed application and a credit report authorization.
How long does the mortgage process take in California?
The process usually takes 30 to 45 days from application to closing. California law mandates a three-day right of rescission for refinances after closing.
What is the minimum down payment for a home in Saratoga?
Minimum down payments vary by loan type. Conventional loans often require 5 percent down, while FHA loans allow 3.5 percent. California first-time buyer programs may offer lower options.