Mortgage broker serving Port Hueneme, 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 Port Hueneme buyers, we match your unique situation to the right program.
Port Hueneme buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Port Hueneme 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 Port Hueneme home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Port Hueneme starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Port Hueneme 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 Port Hueneme 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 Port Hueneme 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 |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $1,249,125 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA is the go-to for Port Hueneme buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Port Hueneme. VA loans are the best deal for eligible veterans.
Nearly all Port Hueneme homes qualify for conforming loans. Best rates available for qualified buyers.
Port Hueneme buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Port Hueneme buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Port Hueneme areas. Check rural designation by address.
Bridge loans available for Port Hueneme transitions. Finance new purchase before selling.
Entity purchase programs for Port Hueneme. LLC financing for investment properties.
Port Hueneme FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Port Hueneme refinances qualify as conforming. Competitive rates with quick approval.
Port Hueneme veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Port Hueneme homeowners with equity. Access funds for any purpose.
Port Hueneme owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Port Hueneme homeowners. Lump sum with fixed monthly payments.
Port Hueneme rental properties qualify with DSCR. No personal income verification needed.
Port Hueneme renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Port Hueneme commercial. Fast financing for competitive markets.
Apartment financing in Port Hueneme. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Port Hueneme buyers with qualifying income.
Port Hueneme buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Port Hueneme. City programs plus CalHFA can cover most down payment.
Grant programs for Port Hueneme first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Port Hueneme areas. Check rural designation by address.
Gift of equity for Port Hueneme family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Port Hueneme buyers qualify. Add parent income to yours.
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
Port Hueneme sits right on the coast in Ventura County, population 21,847, median household income $71,695. The homeownership rate is just 47%, well below California's average, which tells you something important: this is a tight rental market where getting into ownership actually means something. At $590K median, you're paying for direct beach access and a Naval town's stability. That's about $140K more than the state median, but you're in actual coastal California, not 20 miles inland pretending.
The school ratings here won't blow you away, but they're stable and improving. Hueneme High serves the community along with Port Hueneme Middle, Sunkist Elementary, and Parkview Elementary. What matters for your mortgage decision is this: military families cycle through regularly because of the Naval base, which means the schools are used to transition and the community supports new buyers. That low 47% homeownership rate means when you do buy, you're joining a smaller ownership club. The upside is less competition from other buyers, the downside is you'll have more renters as neighbors. If you're planning to stay long-term, that ownership percentage actually works in your favor because there's room for it to grow as more renters convert to buyers.
Here's the thing about Port Hueneme: it's small enough that neighborhood distinctions are subtle, but they still matter for financing. Surfside runs around $590K and puts you near the beach and pier, which is the whole point of buying here. You're looking at mostly single-family homes, some condos mixed in, and conventional loans work fine if you've got the 10-20% down. Downtown Port Hueneme along Hueneme Road also hits that $590K mark, more walkable to shops and restaurants, slightly more urban feel. The pricing is pretty consistent across town because you're really buying location and beach access, not differentiated subdivisions. FHA loans can work here if you're at 3.5% down, but at $590K you're looking at a monthly payment that needs that $72K household income to pencil out comfortably.
The commute numbers are real: 79 minutes to LA, 67 to Santa Monica, 92 to Long Beach, 112 to Irvine. Those aren't fun drives, and that's exactly why Port Hueneme stays at $590K instead of $900K like parts of Santa Monica. If you work in Oxnard, Camarillo, or Ventura, you're golden. If you work on the Naval base, you've got a five-minute commute. But if you're driving to LA daily, you need to factor that time into your quality of life equation. Local transit exists but won't solve a long commute. The truth is most people buying here either work locally, work on base, or have flexible schedules that let them avoid rush hour on the 101.
Naval Base Ventura County is the economic anchor here, and that matters enormously for property values and loan approval. Military and civilian jobs at the base provide stable income that lenders love to see. Port of Hueneme adds commercial shipping jobs, Hueneme School District provides public sector employment, and Del Monte and Chiquita bring agricultural distribution work. This job mix creates steady demand without the boom-bust cycle you see in tech-heavy markets. When you're getting pre-approved, lenders look at local employment stability, and a Naval town with diversified port and ag business checks that box. The base isn't going anywhere, which means your property value has a floor under it that purely civilian beach towns don't always have.
Common questions from Port Hueneme 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 Port Hueneme 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 Port Hueneme: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Port Hueneme buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Port Hueneme 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 Port Hueneme 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 Port Hueneme 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 Port Hueneme properties fall within conforming limits, maximizing your financing options.
For Port Hueneme'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 Port Hueneme. 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 Port Hueneme. 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 Port Hueneme. 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 Port Hueneme 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 Port Hueneme: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Port Hueneme buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Port Hueneme. 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 Port Hueneme 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 Port Hueneme 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 Port Hueneme properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Port Hueneme 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 Port Hueneme 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 Port Hueneme families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Port Hueneme. 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 Port Hueneme. 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 Port Hueneme'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 Port Hueneme is $978,000 for 2025, which is well above the typical home prices in the area. Since most homes in Port Hueneme range from $450K to $600K, you'll have plenty of room to use an FHA loan with just 3.5% down. This makes FHA an excellent choice for first. time buyers and those with credit scores as low as 580.
You won't need a jumbo loan in Port Hueneme since the median home price is around $590K, well below the conforming loan limit of $1.03 million. This is great news because it means you can access conventional, FHA, and VA loans with better rates and lower down payments. Jumbo loans are only necessary when purchasing homes above $1.03 million, which is rare in this affordable coastal community.
For 2025 (2026 limits aren't released until late 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 high limits reflect Ventura County's overall housing costs, though Port Hueneme remains one of the more affordable areas. These limits give buyers plenty of financing options without needing jumbo loans.
Absolutely! VA loans are excellent in Port Hueneme with a loan limit of $1,030,000 and no down payment required for eligible veterans and service members. Given the proximity to Naval Base Ventura County, VA loans are very popular here and offer competitive rates with no PMI. With median home prices around $590K, you can purchase well within the VA limit.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Port Hueneme. You can also explore CalHFA programs offering down payment and closing cost assistance, plus Ventura County's local DPA programs that can often be stacked together. With the median home price at $590K and strong DPA eligibility, first. time buyers and moderate. income families have excellent options to get into a home.
You can buy a home in Port Hueneme with as little as 0% down using VA or USDA loans, or 3.5% down with FHA (about $20,650 on a $590K home). Conventional 97 loans require just 3% down, and when combined with down payment assistance programs, many buyers can get in with minimal out. of. pocket costs. The key is finding the right loan program that matches your situation and qualifications.
You can qualify for an FHA loan in Port Hueneme with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require a 620 minimum, though 640+ gets you better rates. Given Port Hueneme's affordability and popularity with first. time buyers and credit rebuilders, FHA loans are often the best path if your credit isn't perfect.
Look for a lender experienced with Port Hueneme's market who understands FHA, VA, and down payment assistance programs that work well in this price range. You'll want someone who can explain how to stack DPA programs and compare options like FHA versus Conventional 97 for your specific situation. Get pre. approved before house hunting, compare rates from multiple lenders, and choose one who's responsive and explains everything clearly.
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