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9 agents listed
Updated May 2026
Vista, 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 9 mortgage lenders in Vista, 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.
LeaderOne Financial Mortgage - Justin J Phillips Sr Loan Officer
200 Civic Center Dr #100, Vista, CA 92084
7602976565
Chase Mortgage
985 E Vista Way, Vista, CA 92084
7607583551
US Bank Mortgage
Vista, CA 92084
8008722657
Mortgage lenders in Vista California help homebuyers and homeowners secure financing for residential properties. California law requires lenders to follow specific disclosure rules under the California Residential Mortgage Lending Act. Local lenders understand the Vista real estate market and can guide you through loan options like conventional FHA and VA loans.
What Does a Mortgage Lender in Vista Cost?
Typical costs for a mortgage in California include an origination fee of 0.5 to 1 percent of the loan amount. Appraisal fees range from 500 to 700 dollars. Closing costs generally total 2 to 5 percent of the purchase price. These costs vary by lender loan type and property location. This is general information 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 Vista?
You typically need pay stubs tax returns bank statements and a valid ID. California lenders also require a signed disclosure of your loan estimate within three business days of application.
How long does it take to close a mortgage in California?
A standard mortgage closing in California usually takes 30 to 45 days. The timeline can vary based on appraisal turnaround and under review of your financial documents.
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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.