Mortgage broker serving Oxnard, 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 Oxnard buyers, we match your unique situation to the right program.
The Oxnard market rewards buyers with verified financing and competitive loan terms.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Oxnard 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 Oxnard home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Oxnard starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Oxnard 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 Oxnard 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 Oxnard 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 Oxnard buyers. Most homes under $1.03M with competitive rates.
Strong FHA option in Oxnard. Low down payment gets you into most properties here.
$0 down for Oxnard veterans. VA loans cover all properties with no PMI required.
Oxnard business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Oxnard. State assistance helps with down payment and closing costs.
Premium Oxnard homes over $1.03M require jumbo loans. Less common but available for luxury properties.
Oxnard sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Oxnard investors. Buy rentals in entity names.
Conforming refinance for Oxnard homeowners. Best rates for loans under $1.03M.
FHA streamline refinance for Oxnard. Easiest way to lower your existing FHA rate.
VA streamline refi for Oxnard veterans. Fastest way to reduce your mortgage payment.
Turn Oxnard home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Oxnard homeowners. Access equity without replacing first mortgage.
Oxnard owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Oxnard investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Oxnard projects. Short-term financing for value-add investments.
Multifamily options for Oxnard investors. Finance apartment buildings with commercial loans.
Oxnard 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 Oxnard buyers with qualifying income.
CalHFA programs popular in Oxnard. State assistance helps with down payment and closing costs.
Oxnard has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Oxnard buyers. Down payment assistance with no repayment.
Oxnard family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Oxnard 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
Oxnard sits on the Ventura County coast about 60 miles northwest of LA. Population is 202,279, median household income $90,409. The homeownership rate here is 54.6%, below the state average but that's pretty typical for coastal California where renting is common. At $750K median home price, you're paying a premium for beach proximity, but it's still more accessible than Santa Barbara up the coast or Malibu to the south. A household pulling in $90K can qualify with a solid down payment and decent credit, especially if you're looking at conventional loans with PMI or exploring FHA options.
The city runs five main high schools serving different areas, which gives you options depending on where you land. Oxnard High, Pacifica, Channel Islands, Hueneme, and Rio Mesa each serve their neighborhoods, and test scores vary by campus so it's worth checking the specific school for any property you're considering. The district is large and established, which means stability for resale value when you eventually sell. Families who buy here tend to stay put for the schools and beach access, and that stability helps property values hold even when the broader market dips. If schools are a priority, ask your lender how different neighborhoods might affect your loan options since some areas command higher prices partly due to school boundaries.
Here's the thing about Oxnard neighborhoods. They all hover around that $750K median, but what you get for your money varies quite a bit. Channel Islands Harbor is the waterfront play with marina access, boat slips, and coastal views. You're paying for location and lifestyle here, and conventional loans dominate since buyers tend to have stronger financials. Downtown Oxnard around Heritage Square gives you the historic vibe with walkable streets and cultural spots, same price point but older housing stock that might need work. Riverpark in the northeast is the newer master-planned option with modern builds, shopping right there, and families who want move-in ready. The Shores puts you near beach access in south Oxnard. All these areas work with conventional financing, and if you're stretching to that $750K mark, talk to your lender about different down payment strategies since PMI might make sense to get you in sooner.
The commute to LA runs about 73 minutes on Highway 101, Santa Monica is 63 minutes, and if you're headed to Irvine for work you're looking at 106 minutes. That's the trade you make for coastal living in Ventura County. The drive keeps Oxnard more affordable than beach cities in LA County, but you're still paying coastal prices compared to inland areas. Local transit exists but most people drive since this is Southern California. If you work remotely or have a job at the Naval Base or locally, that $750K price tag makes more sense since you're not burning gas and time on the 101 every day. If you commute regularly, factor that cost into what you can actually afford monthly alongside your mortgage payment.
Naval Base Ventura County in Port Hueneme is the big employer here, bringing stable federal jobs and military families who need housing. St. John's Regional Medical Center and Oxnard Union High School District add healthcare and education sector stability. Haas Automation manufactures machine tools locally, and Driscoll's berry operations keep the agricultural economy alive. The job mix means you've got everything from defense contractors to nurses to teachers buying homes here, which creates a diverse buyer pool and helps the market stay balanced. Lenders like seeing employment diversity in an area since it means the local economy won't tank if one industry struggles. If you're buying here for a military posting, ask about VA loans since they're designed exactly for this situation and often beat conventional rates.
Common questions from Oxnard 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 Oxnard 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 Oxnard: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Oxnard buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Oxnard 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 Oxnard 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 Oxnard 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 Oxnard properties fall within conforming limits, maximizing your financing options.
For Oxnard'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 Oxnard. 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 Oxnard. 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 Oxnard. 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 Oxnard 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 Oxnard: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Oxnard buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Oxnard. 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 Oxnard 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 Oxnard 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 Oxnard properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Oxnard 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 Oxnard 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 Oxnard families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Oxnard. 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 Oxnard. 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 Oxnard'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 Oxnard is $978,000 for 2025, which covers most homes in the area since the median price is around $750K. This makes FHA loans a competitive option for first. time buyers and those with smaller down payments in Ventura County. You'll need a minimum 3.5% down payment and a credit score of at least 580 to qualify.
Most Oxnard buyers don't need a jumbo loan since the conforming loan limit is $1.03 million and the median home price is $750K. You'll only need a jumbo loan if you're purchasing a home above $1.03 million, which represents the higher end of the local market. The majority of homes in Oxnard fall comfortably within conforming loan limits.
For 2025, Ventura County's loan limits are $1.03 million for conforming loans, $978,000 for FHA loans, and $1.03 million for VA loans. These limits are typically announced in late fall for the following year, so 2026 limits aren't yet available but may increase based on home price trends. These higher limits reflect Ventura County's status as a higher. cost California market.
Yes, VA loans are very competitive in Oxnard with a loan limit of $1.03 million, which covers the vast majority of homes in the area. Eligible veterans and service members can purchase with $0 down and no mortgage insurance, making it one of the best financing options available. With the median home price at $750K, most Oxnard properties are well within VA loan limits.
Our No Money Down program offers $0 down payment for qualified buyers in Oxnard. Additionally, CalHFA offers down payment assistance programs with options for first. time and repeat buyers, and Ventura County may have local programs available. These programs can be particularly helpful in Oxnard's market where the median home price of $750K means even a 3.5% down payment is over $26,000.
Down payment requirements in Oxnard vary by loan type: conventional loans typically require 3% to 5% ($22,500 to $37,500 on a $750K home), FHA loans need 3.5%, and VA loans offer $0 down for eligible veterans. With multiple down payment assistance programs available, many Oxnard buyers can purchase with little to no money down. Your specific down payment will depend on your loan type, credit profile, and whether you qualify for assistance programs.
Most Oxnard lenders require a minimum credit score of 620 for conventional loans, 580 for FHA loans (or 500 with 10% down), and typically 580. 620 for VA loans. With Oxnard's median home price at $750K, having a higher credit score of 680 or above will help you secure better interest rates and more favorable terms. If your score is below 620, consider working with a lender who can help you improve it before applying.
Choose a lender experienced with Oxnard's balanced market who can explain all your options including conventional, FHA, and VA loans for the $600K to $900K price range. Look for competitive rates, familiarity with local down payment assistance programs, and responsiveness throughout the process. A good lender should understand Ventura County's loan limits and help you determine whether conforming loans or other programs best fit your situation.
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