Top 3 Mortgage Lenders in Summerland

Santa Barbara Mortgage is consistently rated as one of the top mortgage brokers in the Central Coast region, specializing in serving Summerland and the greater Santa Barbara area. With over two decades of experience, they have built an exceptional reputation for personalized service and competitive rates. Their team has deep knowledge of the local real estate market, particularly valuable for Summerland's unique coastal properties. They excel at handling complex loan scenarios and offer a comprehensive range of mortgage products with a focus on jumbo loans that are common in this high-value market.

As one of the largest and most respected credit unions in the Tri-Counties region, VCCU has been serving members throughout Ventura, Santa Barbara, and surrounding counties for nearly seven decades. They offer highly competitive mortgage rates to their members and provide exceptional customer service with a community-focused approach. Their mortgage specialists have extensive experience with Summerland's real estate market and offer personalized guidance through the entire home financing process. VCCU is particularly strong with first-time homebuyer programs and offers various down payment assistance options.

Guild Mortgage is a nationally recognized lender with a strong local presence in Santa Barbara County, making them an excellent choice for Summerland homebuyers. With six decades of experience, they offer a wide array of loan programs and have particular expertise in government-backed loans including FHA and VA. Their Santa Barbara branch has deep roots in the community and understands the nuances of the local market. Guild is known for their efficient processing and closing timelines, and they service 99% of their loans rather than selling them to third parties, providing long-term relationship benefits to borrowers.