SSL Secured
Privacy Protected
Licensed & Regulated
MortgageLenderNearMe
Valencia, CA

The Best Mortgage Lenders in Valencia, CA

Compare verified mortgage lenders serving Valencia, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
644+
Reviews
9
Loan Types

Available Loan Programs in Valencia

Conventional
FHA
VA
Jumbo
Refinance
First-time Homebuyer
USDA
Construction
Reverse Mortgages

Featured Mortgage Lenders

1

Michael Rodriguez

New American Funding

★★★★☆
4.8/5

New American Funding is a top-rated direct mortgage lender with a strong local presence in the Santa Clarita Valley, serving Valencia homebuyers with exceptional service. They consistently receive outstanding reviews for their competitive rates, streamlined process, and personalized approach. As a direct lender, they control the entire lending process in-house, allowing for faster closings and more flexible underwriting. Their local loan officers have deep knowledge of the Valencia market and specialize in helping diverse borrowers, including first-time homebuyers and those with unique financial situations.

Experience:16 years
Reviews:285 customer reviews
24415 Walnut Street, Santa Clarita, CA 91321

Loan Types:

ConventionalFHAVAJumboRefinanceFirst-time Homebuyer
Visit Website
2

Jennifer Martinez

CrossCountry Mortgage

★★★★☆
4.9/5

CrossCountry Mortgage has established itself as one of the premier mortgage lenders serving Valencia and the greater Santa Clarita area. They receive exceptional customer satisfaction ratings for their comprehensive loan programs and dedicated service. The local branch features experienced loan officers who provide personalized guidance through the entire mortgage process. They are particularly praised for their expertise in jumbo loans, which are common in Valencia's housing market, and for their ability to close loans quickly while maintaining competitive rates and transparent communication.

Experience:12 years
Reviews:192 customer reviews
28212 Kelly Johnson Pkwy, Santa Clarita, CA 91355

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
Visit Website
3

David Thompson

Guild Mortgage

★★★★☆
4.7/5

Guild Mortgage maintains a physical branch location right in Valencia, providing local homebuyers with face-to-face service and deep community involvement. With over 60 years in business, they bring exceptional stability and expertise to the Valencia market. They are particularly strong in government-backed loans and have specialized programs for first-time homebuyers. Customers consistently praise their responsive communication, thorough explanations, and ability to handle complex loan scenarios. Their long-standing presence in Southern California gives them unique insight into the local real estate market dynamics.

Experience:15 years
Reviews:167 customer reviews
23861 McBean Parkway, Valencia, CA 91355

Loan Types:

ConventionalFHAVAUSDAReverse MortgagesRefinance
Visit Website

Frequently Asked Questions

Common questions about mortgage lending in Valencia, CA

What are the typical mortgage rates available for homebuyers in Valencia, CA?

Mortgage rates in Valencia typically align with national averages but can vary based on loan type and borrower qualifications. Currently, 30-year fixed rates range from 6.5-7.5% while FHA and VA loans often offer slightly lower rates. Local lenders familiar with the Santa Clarita Valley market may offer competitive rates, so it's worth comparing multiple options.

Are there any first-time homebuyer programs specific to Valencia that can help with down payments?

Yes, the Santa Clarita Valley offers several programs including the SCV Homebuyer Assistance Program which provides down payment assistance up to $100,000 for qualifying buyers. Additionally, California's CalHFA programs are widely used in Valencia, offering low-interest loans and down payment assistance to first-time buyers who meet income requirements.

How does Valencia's high home value market affect mortgage qualification requirements?

With Valencia's median home prices around $800,000-$900,000, lenders typically require stronger financial profiles including higher credit scores (often 700+) and lower debt-to-income ratios. Jumbo loans are common here, which usually require larger down payments (15-20% minimum) and more extensive documentation compared to conventional loans.

What special mortgage considerations should I know about buying in Valencia's master-planned communities?

Many Valencia neighborhoods have homeowner associations with significant monthly fees ($200-$500+) that lenders must include in your debt-to-income calculations. Some newer developments also have Mello-Roos taxes that can affect loan qualification, so it's crucial to work with a local lender who understands these community-specific costs.

Are there any local credit unions or banks in Valencia that offer unique mortgage products?

Yes, local institutions like Logix Federal Credit Union and Santa Clarita Valley Credit Union often offer special mortgage programs with flexible underwriting for Santa Clarita Valley residents. These may include physician loans for Henry Mayo Newhall Hospital staff, teacher programs for local educators, or community-specific loan products with reduced fees.

Nearby Cities

Explore mortgage lenders in cities near Valencia, CA

Why Choose a Mortgage Lender in Valencia?

Local Market Knowledge

Lenders who understand Valencia's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in California.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Valencia and get competitive rates on your home loan.