Top 3 Mortgage Lenders in Huntington Beach

New American Funding is a top-rated direct mortgage lender with a strong Huntington Beach presence, consistently earning exceptional customer reviews for their personalized service and competitive rates. With nearly 20 years of experience, Jason Ruedy and his team specialize in helping Southern California homebuyers navigate the complex coastal real estate market. They offer a wide range of loan products including specialized programs for first-time buyers and portfolio loans for unique properties. Their local expertise in Orange County's housing market, combined with their direct lending capabilities, allows for faster closings and more flexible underwriting compared to traditional banks.

Guild Mortgage has been serving Southern California homebuyers for over 60 years with a strong reputation for reliability and excellent customer service. Michael Courson's Huntington Beach-area team consistently receives high marks for their expertise in coastal property financing and complex loan scenarios. They offer unique loan programs including their own portfolio products and have particular strength in VA and FHA lending. With their corporate history deeply rooted in California, they understand the specific challenges of Huntington Beach's competitive real estate market and provide exceptional guidance through the entire mortgage process.

As California's largest credit union and a dominant financial institution in Orange County, SchoolsFirst FCU has served education community members and their families for nearly 90 years. They maintain exceptionally competitive mortgage rates for qualified members and offer personalized service through dedicated mortgage specialists. Their strong capital position allows them to portfolio many of their loans, providing flexibility that larger banks cannot match. With deep roots in the Huntington Beach community and multiple nearby branches, they combine the benefits of local service with the financial strength of a major institution, consistently earning high customer satisfaction ratings for their transparent processes and member-focused approach.