The Best Mortgage Lenders in Oceano, CA

As one of the largest credit unions serving California's Central Coast, Coast Hills has deep roots in the Oceano community with multiple nearby branches. They consistently receive exceptional ratings for personalized service, competitive rates, and local decision-making. Their mortgage specialists live and work in the area, providing expert knowledge of the unique Oceano and Five Cities housing market. With nearly 70 years of community banking experience, they offer a full range of mortgage products and are particularly strong with first-time homebuyer programs and VA loans.

This highly-rated local mortgage broker serves the entire Central Coast region including Oceano, with numerous reviews praising their exceptional customer service and expertise with complex loan scenarios. They have established strong relationships with multiple lenders to secure competitive rates and offer personalized guidance throughout the mortgage process. Their team has extensive experience with the unique coastal property considerations in Oceano, including flood zones and coastal commission requirements. They're particularly noted for their responsiveness and ability to close loans quickly.

With a physical branch located just minutes from Oceano in Arroyo Grande, Guild Mortgage brings national lending power with local expertise. They have one of the strongest reputations in the industry and consistently receive high marks for their extensive loan portfolio and knowledgeable loan officers. Their local team understands the specific market dynamics of South County San Luis Obispo and has helped numerous Oceano residents with home purchases and refinances. Guild is particularly recognized for their excellent VA loan programs and commitment to community involvement throughout the Central Coast region.