Mortgage broker serving Westlake Village, 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 Westlake Village buyers, we match your unique situation to the right program.
Westlake Village's luxury market requires specialized jumbo financing expertise for properties well above the $1.25M conforming limit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Westlake Village 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 Westlake Village home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Westlake Village starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Westlake Village 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 Westlake Village 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 Westlake Village homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Westlake Village home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Westlake Village prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Westlake Village.
Self-employed? Westlake Village bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Westlake Village properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Westlake Village buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Westlake Village buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Westlake Village moves. Purchase before your current home sells.
Entity financing for Westlake Village investors. Purchase in LLC for asset protection.
Westlake Village loans under $1.25M get conforming refinance rates. Best rates available.
Access Westlake Village home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Westlake Village homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Westlake Village veterans. Lower your rate without appraisal or income docs.
Westlake Village home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Westlake Village homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Westlake Village can use DSCR financing. Rental income qualifies the loan.
Westlake Village rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Westlake Village apartment buildings. Commercial rates for larger properties.
Hard money financing for Westlake Village commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Westlake Village buyers with qualifying income.
CalHFA programs can help Westlake Village first-time buyers. Check income limits for eligibility.
Westlake Village family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Westlake Village. Family member income helps qualification.
Check Westlake Village city programs for additional DPA. May stack with CalHFA for more help.
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
Westlake Village straddles the LA and Ventura county line about 40 miles west of downtown LA. Population is just 7,948, median household income $188,681. The homeownership rate sits at 80.4%, and when you look at the $1.95M median home price, you can see why this is a cash-heavy, equity-rich community. This isn't where first-time buyers land. It's where people move after they've built serious wealth, sold a business, or climbed high enough in their careers that a seven-figure mortgage payment doesn't keep them up at night.
The schools here are a major part of what you're paying for at $2M. Westlake High consistently ranks among the top public schools in California, and that reputation holds property values steady even when the broader market dips. Lindero Canyon Middle and White Oak Elementary both pull strong ratings, which matters when you're thinking about resale down the road. Families who buy here tend to stay through high school graduation, so you'll see low turnover and stable comps when it comes time to refinance or pull equity. The school quality is baked into every appraisal, which means lenders view this area as lower risk even at these price points.
North Ranch runs around $2M and up, with planned communities built mostly in the 80s and 90s on hillside lots with views. You'll see conventional jumbos dominate here, though some buyers bring enough cash to avoid jumbo rates entirely. Westlake Island centers around the man-made lake and hits similar price points, also around $2M, with a resort feel that appeals to empty nesters and executives who want the lifestyle amenities. Both areas require jumbo financing for most buyers, and you'll want at least 20% down to avoid the higher rates that come with lower equity positions at this price level. The HOAs in both neighborhoods run $200-$400 monthly, which your lender will factor into debt-to-income calculations.
The commute to downtown LA runs about 48 minutes via the 101, Santa Monica is 38 minutes, and you can hit the Westside without the soul-crushing traffic you'd face from the Valley. That access is part of why Westlake Village commands these prices while staying relatively suburban and quiet. You're close enough to LA's job centers that executives and high earners can justify the mortgage, but far enough out that you get space, good schools, and a different pace. If you're working in entertainment, tech, or finance in LA but want your kids in top schools without moving to the South Bay, this is one of the places that makes sense even at $2M.
Dole Food Company and Guitar Center both have headquarters here, and K-Swiss keeps corporate offices in town, which brings white-collar jobs and stability to the local economy. Conejo Valley Unified School District employs a significant number of residents, adding public sector jobs to the mix. But real talk, most people buying here aren't working locally. They're commuting to LA, working remotely for tech companies, or they've already sold a business and are semi-retired. The local job market matters less for Westlake Village buyers than their overall financial picture. Lenders here are used to seeing W2s from all over Southern California, stock compensation, business income, and complex financial profiles that require jumbo underwriting.
Common questions from Westlake Village 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 Westlake Village 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 Westlake Village: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Westlake Village buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Westlake Village 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 Westlake Village 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 Westlake Village families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Westlake Village properties fall within conforming limits, maximizing your financing options.
For Westlake Village'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 Westlake Village. 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 Westlake Village. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Westlake Village. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Westlake Village 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 Westlake Village: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Westlake Village buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Westlake Village. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Westlake Village 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 Westlake Village 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Westlake Village properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Westlake Village 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 Westlake Village 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 Westlake Village families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Westlake Village. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Westlake Village. 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 Westlake Village'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 Westlake Village is $1,250,000 for 2025. However, with the median home price at $2M, most buyers here will need jumbo financing or a substantial down payment to use FHA. FHA loans work best for the lower. priced properties in the area, typically condos or smaller homes.
Yes, you'll likely need a jumbo loan in Westlake Village since the median home price is $2M, well above the $1.25M conforming loan limit. Most properties priced between $1.25M and $2M require jumbo financing unless you're putting down enough to stay within conforming limits. Jumbo loans here typically require 10. 20% down and strong credit scores above 700.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Westlake Village and surrounding areas. Any loan amount above $1.25M is considered jumbo and follows different underwriting guidelines with potentially higher rates.
Yes, you can get a VA loan in Westlake Village with a limit of $1,250,000 and no down payment required for eligible veterans. However, since most homes here are priced around $2M, you'd need to cover the difference above the VA limit with a down payment. VA jumbo loans are also available for higher. priced properties with competitive rates.
Our No Money Down program offers $0 down payment for qualified buyers purchasing in Westlake Village. CalHFA programs and Los Angeles County DPA options may also be available for lower. priced properties in the area, though most assistance programs have income and purchase price limits. Given the premium pricing here, many buyers use conventional financing with standard down payments rather than DPA programs.
For Westlake Village's $2M median home price, you'll typically need 10. 20% down, which is $200,000. $400,000 for a jumbo loan. If you're buying below $1.25M, you can use conventional financing with as little as 3. 5% down, or explore our No Money Down program. Most dual. income professional buyers here put down 15. 20% to secure better rates and avoid PMI.
You'll typically need a credit score of at least 700. 720 for jumbo loans in Westlake Village's premium market. Conventional loans under $1.25M can qualify with scores as low as 620, though you'll get better rates with 740+. Given the area's high home prices and competitive market, stronger credit scores help you secure favorable terms and stand out to sellers.
Choose a lender experienced with jumbo loans and Westlake Village's premium market, as most properties here exceed conforming limits. Look for competitive rates on high. balance loans, quick pre. approval turnaround, and expertise navigating complex financing for $1.5M. $2M+ properties. A local lender who understands Los Angeles County's market dynamics can help you close faster in this competitive area.
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