Mortgage broker serving Moorpark, 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 Moorpark buyers, we match your unique situation to the right program.
Moorpark buyers navigate properties near the $1.03M conforming limit, where loan structure impacts rates significantly.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Moorpark 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 Moorpark home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Moorpark starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Moorpark 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 Moorpark 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 Moorpark 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
Most Moorpark homes qualify for conforming loans under $1.03M. Best rates with 3-20% down.
Veterans buy in Moorpark with nothing down. VA loans up to $1.03M with no mortgage insurance.
FHA loans popular for Moorpark first-timers. 3.5% down, 580 credit minimum.
Higher-end Moorpark properties may exceed $1.03M. Jumbo financing available when needed.
Bank statement loans work for Moorpark's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Moorpark buyers.
Bridge loans help Moorpark buyers compete. Make non-contingent offers while selling current home.
Moorpark investment properties in LLC. Entity financing available for investors.
Most Moorpark mortgages qualify for conforming refinance. Lower your rate under the limit.
Moorpark homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Moorpark refinance with VA IRRRL. No appraisal, no income verification.
Moorpark HELOC options for home equity access. Credit line with variable rate draw period.
Moorpark FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Moorpark. Fixed payments unlike variable HELOC.
Moorpark rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Moorpark use fix-and-flip financing. Purchase plus rehab in one loan.
Moorpark apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Moorpark. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Moorpark buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Moorpark buyers.
Local Moorpark DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Moorpark buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Moorpark family purchases. Parents selling to children at discount.
Moorpark buyers use non-occupant co-borrowers. Parents help children qualify for homes.
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
Moorpark sits in eastern Ventura County, about 40 miles northwest of downtown LA. Population is 36,073, median household income $143,218. The homeownership rate here is 79.4%, one of the highest in Southern California, and that tells you something about who buys here. At $918K median home price, you're looking at a household income around $200K to comfortably qualify for a conventional loan. This isn't an entry-level market. It's where established families land when they want excellent schools, low crime, and a neighborhood where most people own rather than rent.
Here's the thing about Moorpark. The schools are why people stretch their budgets to buy here. Moorpark High and Chaparral High both pull strong ratings, and the district has a reputation that holds up property values even when the broader market softens. Moorpark College right in town gives you a two-year option that saves money if your kids start there before transferring to a UC or CSU. When you're putting down $180K on a $900K house, you want to know the schools will justify that investment. Resale is easier in Moorpark than comparable-priced areas precisely because buyers with kids will pay the premium for the district.
The price ranges don't vary much here because Moorpark developed as a planned community with consistent standards. Mountain Meadows runs around $918K, established homes near the golf course, families who've been here 10-15 years and aren't leaving. Conventional loans with 20% down are standard, which means you're looking at roughly $184K to close. Peach Hill hits the same price point, residential neighborhoods with good lot sizes and that suburban feel people pay Ventura County prices to get. You won't find many FHA buyers here because the price floor is just too high. Most transactions are conventional or jumbo depending on how much you put down. The lack of cheaper starter neighborhoods means if you're buying in Moorpark, you're already established in your career.
The commute to LA runs about 54 minutes when traffic cooperates, which it often doesn't. Santa Monica is 48 minutes, but that's early morning or late evening. Real talk, if you're commuting daily to the Westside or downtown LA, you'll feel it. But that commute is exactly why Moorpark stays under $1M while similar school quality in Calabasas or Agoura Hills runs $1.5M-plus. The 118 freeway is your main artery, and local transit exists but most people drive. If one spouse works locally or remotely and the other commutes a few days a week, the math works better. You're trading drive time for a mortgage payment that's $2K-3K less per month than closer-in Ventura County cities.
Moorpark Unified School District and Moorpark College are the big employers, which gives the area that stable public sector foundation. Ventura County Community College District adds more education jobs. City of Moorpark itself employs residents in municipal roles. The job mix skews heavily toward education and public sector, but most buyers here commute to Thousand Oaks, Camarillo, or into LA County for work. The local economy supports the town but doesn't drive it. What matters for your mortgage decision is that the employer base is stable and recession-resistant, which helps property values hold even when coastal California sees corrections.
Common questions from Moorpark 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 Moorpark 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 Moorpark: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Moorpark buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Moorpark 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 Moorpark 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 Moorpark 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 Moorpark properties fall within conforming limits, maximizing your financing options.
For Moorpark'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 Moorpark. 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 Moorpark. 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 Moorpark. 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 Moorpark 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 Moorpark: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Moorpark buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Moorpark. 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 Moorpark 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 Moorpark 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 Moorpark properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Moorpark 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 Moorpark 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 Moorpark families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Moorpark. 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 Moorpark. 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 Moorpark'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 Moorpark is $978,000 for 2025. This covers most homes in the area, as Moorpark's median home price is around $918,000. FHA loans require just 3.5% down with a credit score of 580 or higher, making them a solid option for many buyers here.
Most Moorpark buyers don't need a jumbo loan since the conforming limit is $1.03 million and the median price is $918,000. However, if you're purchasing a home above $1.03 million, you'll need jumbo financing. Jumbo loans typically require larger down payments (usually 10. 20%) and stronger credit profiles than conforming loans.
For 2025, Ventura County's conforming loan limit is $1,030,000, the FHA limit is $978,000, and the VA limit is $1,030,000. These limits are typically announced in late fall for the following year, so 2026 limits aren't yet available but usually adjust based on home price trends.
Yes, VA loans are available in Moorpark with a loan limit of $1,030,000 for 2025. This covers the vast majority of homes in the area, and eligible veterans can purchase with $0 down and no PMI. VA loans are an excellent option for military buyers in Moorpark's upper. middle market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible in Moorpark's competitive market. CalHFA programs are also available, offering down payment and closing cost assistance with various income limits that work well for many Ventura County buyers. Some local county programs may apply depending on your income and first. time buyer status.
Down payment requirements in Moorpark vary by loan type. Conventional loans typically require 3. 5% down for qualified buyers (around $27,000. $46,000 on a $918,000 home), while FHA loans need 3.5% down. VA and USDA loans offer $0 down options for eligible buyers, and our No Money Down program can help qualified purchasers avoid upfront costs.
Most Moorpark buyers should aim for a credit score of at least 620 for conventional financing, though 680+ will get you better rates in this price range. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. Given Moorpark's median price of $918,000, lenders often prefer seeing stronger credit profiles from borrowers.
Look for a lender experienced with Moorpark's upper. middle market who understands properties in the $900K. $1.25M range. Compare rates and fees from multiple lenders, but also consider responsiveness and expertise with conforming and jumbo loans. A local lender familiar with Ventura County can help navigate the area's competitive market and close on time.
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