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Gustine was built by Portuguese and Azorean dairy families, and the festival they still hold every spring is the largest thing that happens in the town all year.
Explore mortgage options in Gustine, Merced County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Dairy-country prices, tracked as they move
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The town center with the civic buildings, the market and the oldest houses.
The blocks around the church, where the spring festival fills the streets.
The eastern side of town looking toward the reservoir hills.
Rural parcels outside the city with acreage and outbuildings.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
In Gustine, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Gustine sits in Merced County, part of the Central Valley's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Gustine borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Gustine borrowers frequently compare options against nearby communities such as Atwater, Dos Palos, Livingston.
Updated 9/27/2026
Merced Ca Gustine is updated daily with practical mortgage guidance for this page.