Mortgage broker serving Ventura, 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 Ventura buyers, we match your unique situation to the right program.
Ventura buyers compete in a market where strong financing and quick pre-approval win offers.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Ventura 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 Ventura home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Ventura starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Ventura 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 Ventura 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 Ventura 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 Ventura buyers. Most homes under $1.03M with competitive rates.
Strong FHA option in Ventura. Low down payment gets you into most properties here.
$0 down for Ventura veterans. VA loans cover all properties with no PMI required.
Ventura business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Ventura. State assistance helps with down payment and closing costs.
Premium Ventura homes over $1.03M require jumbo loans. Less common but available for luxury properties.
Ventura sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Ventura investors. Buy rentals in entity names.
Conforming refinance for Ventura homeowners. Best rates for loans under $1.03M.
FHA streamline refinance for Ventura. Easiest way to lower your existing FHA rate.
VA streamline refi for Ventura veterans. Fastest way to reduce your mortgage payment.
Turn Ventura home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Ventura homeowners. Access equity without replacing first mortgage.
Ventura owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Ventura investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Ventura projects. Short-term financing for value-add investments.
Multifamily options for Ventura investors. Finance apartment buildings with commercial loans.
Ventura 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 Ventura buyers with qualifying income.
CalHFA programs popular in Ventura. State assistance helps with down payment and closing costs.
Ventura has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Ventura buyers. Down payment assistance with no repayment.
Ventura family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Ventura 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
Ventura sits right on the coast about 65 miles northwest of LA, where the 101 hugs the Pacific. The median home price here is $868,750, which puts it firmly in the higher end of California coastal markets. You're not getting bargain beach living here, but you are getting actual beach living without going full Santa Barbara or Malibu pricing. For buyers who can swing the numbers, you're looking at a real coastal community with its own economy and identity, not just a bedroom suburb.
The school situation here is solid and matters if you're thinking long-term resale value. Foothill Technology High School consistently ranks as one of the top public schools in the county, pulling strong test scores that help property values hold up. Ventura High and Buena High are your traditional comprehensive high schools, both established with decent sports programs and community ties. Ventura College gives you local higher ed options, which means kids can save money living at home for two years before transferring. When you're dropping $870K on a house, knowing the schools won't torpedo your investment five years down the road matters. Families who buy here tend to stay, which keeps neighborhoods stable and helps your equity build predictably.
Here's the thing about Ventura neighborhoods. They all cluster around that $869K median, but what you get for your money varies a lot. Downtown Ventura puts you walking distance to Main Street, the Mission, and the pier. You're paying for location and walkability here, mostly older homes, and conventional loans with 20% down are standard since you're at that price point. Pierpont is where the surf culture lives, right on the sand, and it's the priciest pocket when individual homes come up. Midtown gives you more house for the money, larger lots, mix of styles from California bungalows to 70s ranches. Ventura Avenue has the working-class roots and the most diverse housing stock, which sometimes means better deals if you're willing to put in some sweat equity. At these prices, most buyers need strong income documentation and solid credit. FHA loans can work but you'll need to come in competitive since sellers often prefer conventional financing at this price range.
The 101 runs right through town, which makes Ventura the last real coastal city before you hit Santa Barbara. Commute to LA is about 78 minutes without traffic, 68 to Santa Monica, but let's be real, that's best-case scenario. Rush hour can push it past two hours. The truth is, most people who buy here either work locally or have flexible schedules. If you're commuting to LA five days a week, you'll burn out fast and wonder why you're paying coastal prices to live in your car. But if you work remote a few days or have a job in town, you're getting genuine beach access and small-city quality of life. Local transit exists but this is still a car town for most daily needs.
Ventura has its own economic base, which matters when you're buying at this price point. Community Memorial Hospital is the biggest employer and healthcare jobs tend to be stable, recession-resistant work. Ventura Unified School District and County of Ventura provide solid public sector employment with benefits and pensions. Then you've got Patagonia headquarters right here, which brings white-collar jobs and an environmental vibe to the local culture. The mix means you're not entirely dependent on LA commuters to keep the economy moving. That diversification helps property values stay more stable when the broader market gets choppy. You'll find professional services, tourism, healthcare, and education all contributing, which is healthier than a pure bedroom community.
Common questions from Ventura 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 Ventura 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 Ventura: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Ventura buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Ventura 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 Ventura 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 Ventura 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 Ventura properties fall within conforming limits, maximizing your financing options.
For Ventura'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 Ventura. 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 Ventura. 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 Ventura. 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 Ventura 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 Ventura: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Ventura buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Ventura. 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 Ventura 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 Ventura 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 Ventura properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Ventura 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 Ventura 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 Ventura families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Ventura. 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 Ventura. 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 Ventura'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 Ventura is $978,000 for 2025, which covers most homes in the area since the median price is around $869K. This makes FHA loans a competitive option for buyers who want lower down payment requirements. You'll need just 3.5% down with a credit score of 580 or higher to qualify for an FHA loan in Ventura.
Most buyers in Ventura won't need a jumbo loan since the conforming loan limit is $1.03 million and the median home price is $869K. You'll only need a jumbo loan if you're purchasing a home above $1.03 million. For the majority of homes in Ventura's $600K. $900K range, conventional conforming loans offer the best rates and terms.
For 2025, Ventura County's loan limits are $1.03 million for conforming and VA loans, and $978,000 for FHA loans. The 2026 limits haven't been announced yet, but they're typically released in November or December of the prior year. These higher limits reflect Ventura County's designation as a high. cost area compared to standard loan limits.
Yes, VA loans are highly competitive in Ventura with a loan limit of $1.03 million, covering virtually all homes in the typical $600K. $900K range. Eligible veterans and service members can purchase with $0 down and no mortgage insurance. VA loans are an excellent option in Ventura's balanced market for those who qualify.
Our No Money Down program offers $0 down payment for qualified buyers in Ventura. Additionally, CalHFA provides down payment assistance programs with options like the MyHome Assistance Program offering 3.5% or up to $15,000 in assistance. Ventura County also offers local programs for first. time buyers, and many can be combined with FHA or conventional loans to make homeownership more accessible.
Down payment requirements in Ventura vary by loan type: conventional loans typically require 3. 5% for first. time buyers ($26K. $43K on an $869K home), FHA loans need 3.5%, and VA loans offer $0 down for eligible veterans. With the median home price at $869K, many buyers use down payment assistance programs to reduce their upfront costs. Our No Money Down program can help qualified buyers purchase without any down payment.
Most conventional loans in Ventura require a minimum credit score of 620, though you'll get better rates with scores above 680. FHA loans accept scores as low as 580 with 3.5% down, making them accessible for first. time buyers in Ventura's market. VA loans typically require around 620, though some lenders may work with lower scores for qualified veterans.
Look for a lender experienced with Ventura County's market who offers competitive rates on conforming, FHA, and VA loans since these dominate the area. Compare loan estimates from multiple lenders, paying attention to both interest rates and closing costs. Choose someone responsive who can close on time, especially important in Ventura's balanced market where you'll face moderate competition for homes in the $600K. $900K range.
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