Top 3 Mortgage Lenders in Milpitas

Guild Mortgage's San Jose office serves the entire South Bay area including Milpitas with exceptional expertise. They maintain a stellar 4.9-star rating across multiple review platforms with particular strength in first-time homebuyer programs and government-backed loans. Their experienced loan officers provide personalized service with competitive rates, and they have special programs for healthcare workers, teachers, and other professionals. Guild is known for their in-house underwriting and closing capabilities, which often results in faster loan processing times.

Bay Equity's San Jose branch consistently receives top marks for their exceptional customer service and competitive loan products throughout Santa Clara County. They specialize in navigating the complex Bay Area real estate market and have particular expertise with jumbo loans and investment properties. Their team includes multilingual loan officers who serve Milpitas' diverse community. Bay Equity is praised for their transparent communication throughout the loan process and their ability to close loans quickly in competitive markets.

As a community-focused credit union with a physical branch in Milpitas, Patelco offers exceptional value to local homebuyers. They provide competitive rates typically below major banks and offer special first-time homebuyer programs with lower down payment requirements. Their mortgage specialists have deep knowledge of the Milpitas and greater Bay Area housing markets. Patelco is particularly strong with member education, offering free homebuyer workshops and one-on-one counseling to help members make informed decisions.