VA Loans Ventura

If you are looking for a VA loan in Ventura County you came to the right place!

Community First Mortgage has the best VA rates in Ventura County. We encourage veterans and active duty military to shop rates with multiple lenders because shopping will save you thousands of dollars in costs and interest on your purchase loan or refinance. We are confident you won’t find a better priced lender.

Who We Are

Community First Mortgage is a mortgage broker located in Ventura County, specifically Westlake Village and has been in business in the same building since 1986 – which is a rarity for our industry. Our broker of record, Michael Mitchell, is a Vietnam war veteran where he served with the Special Forces.

What are the benefits of VA loan?

  • $0 down on a home purchase.
  • No monthly mortgage insurance is required
  • Low mortgage rates
  • Low closing costs

Why are Community First Mortgage’s VA rates in Ventura County so low?

The biggest reason we can offer fantastic rates is because we simply earn less than most brokers or lenders. We earn 1% of your loan amount and we are paid by the lender – not by you. Most brokers earn 2-3% on VA loans and the more they earn, the more expensive the loan is for you. Try asking another broker or lender what they earn on your loan and see if you get a straight answer! We don’t mind saying what we earn, because we know we earn less than any other lender or broker in Ventura County.

The other reason we can offer such low rates is – we are a broker, meaning we work with multiple lenders and we only work with the most competitive lenders – which is not the case with all brokers.

What is an IRRRL (Interest Rate Reduction Refinance Loan) VA refinance?

An IRRRL VA refinance is the easiest refinance program lenders have to offer. All the more reason brokers and lenders should not be charging a fortune to originate these loans and why VA borrowers should be getting the best possible rates on their refinance.

With an IRRRL VA refinance no appraisal is required and no income verification is necessary. Very straightforward process.

How long will the purchase and refinance process take?

We can close a purchase or refinance in 30 days or less.

What documentation is required for an IRRRL refinance in Ventura County?

  • Certificate of Eligibility (COE). This is something we can help with.
  • Copy of your driver’s license
  • Most recent mortgage statement
  • Homeowners insurance declaration page
  • We’ll need you to complete an application on our website by clicking the “apply now” button.

What documentation is required for cashout refinance (non IRRRL/Streamline)?

  • Certificate of Eligibility (COE)
  • Copy of your driver’s license
  • Two most recent pay stubs
  • Last two year’s W2s
  • Mortgage recent mortgage statement
  • Homeowners insurance declaration page
If you have any questions you can reach us in the office at (805) 379-1850 or by email.

If you are ready to apply you can click the apply now button on this page.

If you would like to request a rate quote, please click on the “Home Refinance Rates” button and we’ll be in touch with fantastic rate options.

We look forward to working with you!

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