Top 3 Mortgage Lenders in West Point

Golden 1 Credit Union is one of California's largest and most trusted credit unions with a strong presence in the Sierra foothills region. While headquartered in Sacramento, they have multiple branches serving Calaveras County and specifically serve West Point residents. They offer highly competitive rates for members, exceptional customer service with local loan officers who understand rural property financing, and a wide range of mortgage products. Their long-standing reputation for personalized service and community commitment makes them a top choice for West Point homebuyers seeking both competitive rates and local expertise.

Sierra Pacific Home Loans is a highly-rated regional mortgage broker with deep expertise in serving the Sierra Nevada foothills communities including West Point. They specialize in rural property financing and have extensive experience with the unique challenges of mountain and rural home purchases. Their local knowledge of Calaveras County properties, combined with access to multiple lending partners, allows them to find the best rates and terms for each borrower. Customers consistently praise their responsive communication, thorough guidance through the mortgage process, and ability to handle complex rural property transactions effectively.

New American Funding is a national mortgage lender with a strong California presence and dedicated local loan officers serving the West Point area. They offer a comprehensive range of loan programs with particularly strong options for first-time homebuyers and diverse credit profiles. Their local team understands the Calaveras County market and provides personalized service with the backing of a large lender's resources and technology. They're known for competitive rates, flexible underwriting, and efficient processing, with many customers noting their ability to close loans quickly while maintaining excellent communication throughout the entire mortgage process.