Top 3 Mortgage Lenders in Sunset Beach

New American Funding is a highly-rated direct mortgage lender with a strong presence throughout Orange County, serving Sunset Beach residents with exceptional service. They're particularly noted for their diverse loan programs including special options for self-employed borrowers and their commitment to minority homeownership. Their local Newport Beach office provides personalized service with competitive rates and a streamlined digital mortgage process.

Guild Mortgage is one of the largest independent mortgage lenders in the U.S. with multiple Orange County locations serving Sunset Beach. They're renowned for their portfolio loan programs that don't require mortgage insurance and their exceptional customer service. With decades of experience and local market expertise, they offer specialized guidance for coastal property financing and maintain high satisfaction ratings for both purchase and refinance transactions.

As one of Orange County's most established financial institutions, Orange County's Credit Union provides exceptional mortgage services to Sunset Beach residents with highly competitive rates for members. They're particularly strong in jumbo loan financing for the coastal market and offer personalized service through dedicated mortgage specialists. Their not-for-profit structure often results in lower fees and better terms, with deep community roots and extensive local market knowledge.