Top 3 Mortgage Lenders in Santa Margarita

As California's largest credit union, Golden 1 has served Central Coast communities for decades with exceptional mortgage services. They consistently earn top ratings for their competitive rates, personalized service, and deep understanding of California's unique housing market. Their local San Luis Obispo branch provides convenient in-person service for Santa Margarita residents, offering a full range of mortgage products with the benefits of credit union membership including lower fees and member-focused service.

This highly-rated local mortgage broker has built an outstanding reputation throughout San Luis Obispo County for exceptional customer service and expertise with Central Coast real estate. They specialize in navigating the unique aspects of Santa Margarita and surrounding rural properties, offering personalized guidance through the entire mortgage process. Their team of experienced loan officers provides access to multiple lenders to secure the best rates and terms, with particular strength in jumbo loans and rural property financing.

While headquartered in Ventura, Community West Bank has a strong presence throughout the Central Coast and specializes in serving communities like Santa Margarita. They're particularly noted for their expertise with construction loans and financing for unique properties common in rural Central California. As a community-focused bank, they offer personalized service and local decision-making, with loan officers who understand the specific market dynamics of Santa Margarita and surrounding areas. Their long track record and commitment to customer satisfaction make them a top choice for Central Coast homebuyers.