Top 3 Mortgage Lenders in Ridgecrest

Sean Moore at CrossCountry Mortgage is one of Ridgecrest's highest-rated local mortgage professionals with extensive experience serving military families from nearby Naval Air Weapons Station China Lake. Specializing in VA loans and first-time homebuyer programs, he maintains a 4.9-star rating across multiple review platforms with particular expertise in the unique desert housing market of the Indian Wells Valley.

As Ridgecrest's primary local credit union, Desert Valleys FCU has served the community since 1956 with deep roots in the area. They offer competitive mortgage rates to members and are particularly strong with VA loans for military personnel stationed at China Lake. Their local decision-making process and personalized service make them a top choice for Ridgecrest residents seeking community-focused lending.

While based in Bakersfield, Sierra Financial Mortgage consistently serves the Ridgecrest market with specialized knowledge of Kern County's unique desert communities. They maintain a 4.8-star rating with particular strength in FHA and conventional loans, offering competitive rates and streamlined digital processes while understanding the specific challenges of the Ridgecrest real estate market.