Top 3 Mortgage Lenders in San Clemente

New American Funding is a top-rated direct mortgage lender with a strong Southern California presence and excellent service in San Clemente. They are particularly recognized for their diverse loan programs including special options for self-employed borrowers and their commitment to minority homeownership. With their nearby Laguna Hills office, they provide personalized service and competitive rates, earning consistently high customer satisfaction ratings across multiple review platforms.

Guild Mortgage has an actual physical branch located right in San Clemente, providing exceptional local service with the backing of a nationwide lender. They are particularly strong in VA loans and first-time homebuyer programs, with loan officers who have deep knowledge of the local San Clemente market. Their long-standing reputation since 1960 and comprehensive loan options make them a trusted choice for Orange County homebuyers.

As one of Southern California's most established credit unions, First American Credit Union serves San Clemente residents with competitive mortgage rates and exceptional member service. Their not-for-profit structure often translates to lower fees and better terms for borrowers. With deep roots in Orange County since 1935, they offer personalized mortgage guidance and local underwriting decisions, making them a preferred choice for San Clemente homebuyers seeking traditional lending with modern convenience.