Mortgage broker serving Camarillo, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Camarillo buyers, we match your unique situation to the right program.
Camarillo's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Camarillo purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Camarillo home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Camarillo starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Camarillo home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Camarillo property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Camarillo homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | Any buyer - grant covers FHA or Conventional down payment, forgiven after 6 payments |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $1,249,125 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Jumbo | 15-20% | 680+ | Properties exceeding $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
| Reverse Mortgage | N/A | No minimum | Homeowners 62+ tapping equity without payments |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Standard option for Camarillo buyers. Most homes under $1.03M with competitive rates.
Strong FHA option in Camarillo. Low down payment gets you into most properties here.
$0 down for Camarillo veterans. VA loans cover all properties with no PMI required.
Camarillo business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Camarillo. State assistance helps with down payment and closing costs.
Premium Camarillo homes over $1.03M require jumbo loans. Less common but available for luxury properties.
Camarillo sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Camarillo investors. Buy rentals in entity names.
Conforming refinance for Camarillo homeowners. Best rates for loans under $1.03M.
FHA streamline refinance for Camarillo. Easiest way to lower your existing FHA rate.
VA streamline refi for Camarillo veterans. Fastest way to reduce your mortgage payment.
Turn Camarillo home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Camarillo homeowners. Access equity without replacing first mortgage.
Camarillo owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Camarillo investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Camarillo projects. Short-term financing for value-add investments.
Multifamily options for Camarillo investors. Finance apartment buildings with commercial loans.
Camarillo investors use hard money for quick closes. Higher rate but fast funding.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Camarillo buyers with qualifying income.
CalHFA programs popular in Camarillo. State assistance helps with down payment and closing costs.
Camarillo has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Camarillo buyers. Down payment assistance with no repayment.
Camarillo family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Camarillo purchases. Family member income boosts qualification.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Camarillo sits in Ventura County about an hour northwest of LA, right off the 101. Population is 70,622, median household income $105,141. The homeownership rate here is 64.7%, and at $845K median home price, you're looking at one of the last accessible entry points into coastal Ventura County. This is where families who want that California coastal climate without Malibu or Santa Barbara pricing end up, and the income numbers show it. A household pulling in $105K can still qualify for a conventional loan here with solid down payment, though you'll want 20% down to avoid PMI on properties at this price point.
The schools here are a big part of why families stretch their budgets to buy in Camarillo instead of cheaper Inland Empire options. Dos Caminos Elementary pulls a 9 rating, Camarillo High an 8, Las Colinas Middle an 8. These aren't just good scores for Ventura County, they're legitimately strong schools that protect your resale value. When you're putting down $170K on an $850K house, you want to know the district will stay stable and keep attracting buyers when you eventually sell. The Pleasant Valley School District has been consistent for years, which matters when you're making a 30-year commitment. Families who buy here tend to stay through high school graduation, and that stability shows up in property values.
Where you buy in Camarillo determines whether you're using conventional, jumbo, or stretching with a lower down payment. Old Town Camarillo runs $750K-$950K with charming older ranch homes and walkable access to the Premium Outlets. Conventional loans work fine here if you've got the down payment, and the historic character holds value well. Springville offers $700K-$900K on tree-lined streets near schools and the 101, popular with families using conventional financing and trying to stay under that jumbo threshold. Village at the Park is $800K-$1.1M with newer construction and townhome options, attracts move-up buyers and young families willing to go jumbo for modern finishes. Spanish Hills is the premium play at $900K-$1.4M, golf course living with custom Mediterranean homes on bigger lots. Up here you're definitely in jumbo territory, and most buyers are putting down 25-30% to get better rates.
The 101 freeway is your lifeline here. LA is 62 minutes on a decent traffic day, Santa Monica 52 minutes, but real talk, those times can stretch during rush hour. The thing is, you're not doing the brutal Inland Empire grind, and you're getting actual coastal weather for your trouble. If you work in Thousand Oaks or Oxnard, you've got a 15-20 minute commute max. Local transit exists but most people drive. The commute is manageable enough that families justify the higher mortgage payment by saying they're not adding two hours of drive time to their day like they would from Palmdale or Victorville.
St. John's Pleasant Valley Hospital is the big employer here, and healthcare jobs tend to be stable which banks like when you're applying for a mortgage. Pleasant Valley School District employs a solid chunk of residents, same with the City of Camarillo itself. Cal State Channel Islands brings education sector jobs and helps keep the area feeling stable. Haas Automation is the major private sector manufacturer, and Camarillo Premium Outlets employs plenty of retail workers. The job mix here is pretty diversified between healthcare, education, public sector, and manufacturing. Most buyers either work locally in Ventura County or make the commute to LA, but the local economy is strong enough that you're not entirely dependent on commuters propping up the market.
Common questions from Camarillo homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Camarillo closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Camarillo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Camarillo buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Camarillo buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Camarillo buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Camarillo families purchase with minimal upfront cash.
2026 Ventura County limits: FHA $977,500, Conventional $1,035,000. Any loan above $1,035,000 is a jumbo loan. Most Camarillo properties fall within conforming limits, maximizing your financing options.
For Camarillo's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Camarillo. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Camarillo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Ventura County, and structure your purchase to minimize upfront costs.
You still have options in Camarillo. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Ventura County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Camarillo typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Camarillo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Camarillo buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Camarillo. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Ventura County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Camarillo typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Camarillo closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Ventura County limits: FHA $977,500, Conventional $1,035,000. Any loan above $1,035,000 is a jumbo loan. Most Camarillo properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Camarillo buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Camarillo buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Camarillo families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Camarillo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Ventura County, and structure your purchase to minimize upfront costs.
You still have options in Camarillo. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Camarillo's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Camarillo is $978,000 for 2025. This covers most homes in the area, as the median home price is around $845,000. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
Most buyers in Camarillo don't need a jumbo loan since the conforming loan limit is $1,030,000 and the median home price is $845,000. You'll only need a jumbo loan if you're purchasing a home above $1,030,000. The majority of homes in Camarillo fall comfortably within conventional and FHA loan limits.
For 2025, Ventura County loan limits are $1,030,000 for conforming loans, $978,000 for FHA, and $1,030,000 for VA loans. These limits are typically announced in November for the following year, so 2026 limits aren't available yet. Given Camarillo's median price of $845,000, current limits accommodate most local buyers well.
Yes, VA loans are very competitive in Camarillo with a loan limit of $1,030,000, which covers virtually all homes in the area. Eligible veterans and service members can finance up to this amount with $0 down and no mortgage insurance. VA loans are an excellent option for the many military families in Ventura County.
Our No Money Down program offers $0 down payment for qualified buyers in Camarillo. You can also explore CalHFA programs that provide down payment and closing cost assistance, as well as Ventura County housing programs for first. time and moderate. income buyers. These programs are particularly helpful given the $845,000 median home price in the area.
Down payments in Camarillo vary by loan type: conventional loans typically require 3% to 5% ($25,000 to $42,000 on an $845,000 home), FHA loans need 3.5%, and VA loans offer $0 down for eligible veterans. With median home prices around $845,000, many buyers combine down payment assistance programs to reduce their upfront costs.
Most lenders in Camarillo require a minimum credit score of 620 for conventional loans, though you'll get better rates with scores above 680. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. Given the $845,000 median price, a higher credit score will save you significantly on interest over the life of your loan.
Look for a lender experienced with Camarillo's balanced market and the $600K to $900K price range typical here. Compare rates across multiple lenders, but also consider their knowledge of local programs like CalHFA and Ventura County assistance options. The right lender will understand whether conventional, FHA, or VA loans work best for your situation and help you navigate the competitive local market.
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