Top 3 Mortgage Lenders in Freeland

As a community bank headquartered right in Freeland, Whidbey Island Bank offers exceptional local expertise and personalized service. They have deep roots in Island County and understand the unique real estate market of Whidbey Island. Their mortgage team provides competitive rates with local underwriting decisions, making them particularly strong for construction loans and waterfront properties common in the area. Customers consistently praise their responsive communication and knowledge of local market conditions.

With a strong presence in Island County, Caliber Home Loans serves Freeland residents with extensive mortgage options and competitive rates. Their Oak Harbor location provides convenient access for Whidbey Island clients. They excel at VA loans, which is particularly valuable given the nearby Naval Air Station Whidbey Island. The local team has decades of combined experience handling the unique aspects of island properties and financing.

Guild Mortgage has been serving Northwest Washington for decades with a strong reputation for customer service and competitive products. Their Mount Vernon branch regularly serves clients throughout Island County including Freeland. They offer a wide range of loan programs with particular expertise in first-time homebuyer programs and government-backed loans. Their long-standing presence in the region and commitment to community lending make them a reliable choice for Freeland homebuyers.