Top 3 Mortgage Lenders in Gilroy

Guild Mortgage's Gilroy branch stands out as one of the highest-rated local mortgage lenders serving Santa Clara County. With deep roots in the community and over 60 years of industry experience nationwide, this branch specializes in serving both first-time homebuyers and experienced property investors. They offer personalized service with local loan officers who understand Gilroy's unique real estate market, competitive rates on conventional and government-backed loans, and a reputation for smooth closings. Their extensive experience with California's specific lending requirements and strong customer satisfaction ratings make them a top choice for Gilroy residents.

Located just minutes from Gilroy in neighboring Morgan Hill, Bay Equity Home Loans has built an exceptional reputation throughout Santa Clara County. As a Redfin Platinum Partner and consistently ranked among the top mortgage lenders in the Bay Area, they offer highly competitive rates and exceptional customer service. Their local team understands the South County market dynamics and provides personalized guidance through the entire mortgage process. With numerous industry awards and outstanding customer reviews highlighting their responsiveness and expertise, they serve as a premier mortgage option for Gilroy homebuyers seeking both conventional and specialized loan products.

As one of the largest credit unions serving Silicon Valley and the greater South Bay area, Star One Credit Union has been a trusted mortgage lender for Gilroy residents for decades. Known for their competitive member rates, low fees, and exceptional customer service, they offer a comprehensive range of mortgage products with the added benefit of local decision-making. Their first-time homebuyer programs and specialized lending options are particularly well-regarded, and their longstanding presence in Santa Clara County ensures they understand local market conditions. With consistently high ratings for both mortgage services and overall member satisfaction, they provide a reliable, community-focused alternative to traditional banks.