Home Loan Ventura County

Are you looking for a home loan in Ventura County? If so, you came to the right place!

Community First Mortgage is a mortgage broker located in Ventura County – specifically Westlake Village, California. Mortgage brokers offer lower rates than credit unions and big banks and any loan we offer already includes our compensation – we are paid by the lender – not by you!

Community First Mortgage has been in business since 1986 and we have originated thousands of home loans in Ventura County and we would love to earn your business too.

You won’t find a more well-reviewed mortgage lender or broker in Ventura County on Yelp.

You don’t have to take our word for it, take a look for yourself.

30 year fixed home loans in Ventura County are our most common loan product and for good reason. 30 year fixed home loans offer low payments that are fixed, but we certainly have shorter fixed terms and adjustable rate mortgages for those who don’t think they will keep the loan as long.

Sure, most lenders offer 30 year fixed home loans, but do they offer refinance with no costs?

Do they offer large lender credits that cover closing costs of a purchase? If you are working with a credit union or big bank, you are probably not be offered a no-cost refinance and may not be offered a “lender credit” at all. The reason for this is – big banks and credit unions have huge overhead costs they need to cover and charging higher rates and costs is one way to cover their expenses.

Not only does Community First Mortgage have better home loan rates than big banks and credit unions, but we’ll beat any other local mortgage broker on rates too. The reason we are so confident our rates can’t be beat is we simply earn less than most mortgage brokers and we only work with the most competitive lenders.

Here are a few points to consider for a home loan refinance in Ventura County…

What rate is your lender or broker offering? Is it the best value?
Does that rate come with a lender credit to apply toward closing costs? Does he or she even offer an option with a lender credit?
Is your lender giving you different options? Lower rates with higher costs and higher rates with lower costs or no costs?
Does your lender or broker explain why a certain rate makes more financial sense than another?

Here are a few points to consider for a home loan purchase in Ventura County…

Are they offering multiple rates? Higher rates with large lender credit to cover closing costs (which are especially helpful for clients who are putting less down) and lower rates with higher costs which might benefit some clients.
Are they able to close quickly? Our lenders can close a home loan in Ventura County in as little as 10 calendar days.
Will you be in a position to remove your appraisal contingency and loan contingency on time? Many big banks and credit unions take 60+ days to close.
Who will be your point of contact during the transaction? Will you be able to get a hold of your loan officer when you have questions during the process? Our loan officers are always available to answer questions.

We would love to give you a hand with a home loan.

Please give us a call at (805) 379-1850, complete an application or request a rate quote by clicking on the “Home Purchase Rates” or “Home Refinance Rates” above.

We look forward to hearing from you!