Top 3 Mortgage Lenders in Lucerne

Guild Mortgage's Clearlake branch serves the entire Lake County area including Lucerne, with loan officers who have deep local market knowledge. They are particularly strong with government-backed loans (FHA/VA) and first-time homebuyer programs, offering personalized service and competitive rates. Their long-standing presence in Northern California and extensive product portfolio make them a top choice for Lucerne residents.

As a established regional bank serving Northern California communities, Tri Counties Bank has extensive experience with Lake County properties including Lucerne. They offer local underwriting and decision-making, which is particularly valuable for rural properties. Their construction and lot loan expertise is excellent for the Lucerne area, and they provide competitive conventional loan options with personalized service.

Stronghold Mortgage serves the entire Mendocino and Lake County region with specialized expertise in rural and semi-rural properties like those in Lucerne. They excel at navigating unique property situations and offer flexible underwriting. Their strong reputation for customer service and competitive rate pricing, combined with their extensive experience with Northern California's diverse housing market, makes them an excellent choice for Lucerne homebuyers.