Top 3 Mortgage Lenders in Santa Monica

CrossCountry Mortgage is a nationally recognized lender with a strong presence in Southern California. The Beverly Hills branch consistently receives exceptional ratings for their Santa Monica area service, particularly praised for their competitive jumbo loan rates which are crucial in this high-cost market. With over 20 years of experience, they offer personalized service and have expertise in handling complex loan scenarios common in the Santa Monica real estate market. Their team is known for responsive communication and smooth closing processes.

Proper Capital is a Santa Monica-based mortgage brokerage that specializes in serving the local community and surrounding areas. They have built an outstanding reputation for their deep knowledge of the Santa Monica market and ability to secure competitive financing for luxury properties. The company excels at creative financing solutions for self-employed borrowers and high-net-worth individuals, which are common in the Santa Monica area. Their local presence allows for in-person consultations and strong relationships with local real estate professionals.

Academy Mortgage has a dedicated Santa Monica branch that has been serving the community for decades. They are particularly strong in government-backed loans and first-time homebuyer programs, while also offering competitive jumbo loan products essential for the local market. The local team has extensive experience with Santa Monica's unique housing challenges and building requirements. They are praised for their educational approach to lending and commitment to ensuring clients understand all aspects of their mortgage options.