We have money to lend.

We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. Equal Opportunity Lender

Contact a home loan specialist located in Ventura, Port Hueneme, Oxnard, Camarillo, Thousand Oaks, Moorpark or Simi Valley, California, to find out how we can streamline the home buying process for you.

For real-time mortgage and refinance loan rates, CLICK HERE.

Fixed Rate Loans
Rates Effective: May 22, 2020
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
3030 Year Conforming HomeReady (First Time Homebuyer)0.000%3.500%3.570%$4.49
3030 Year Conforming0.000%3.500%3.579%$4.49
0.000%3.500%3.579%$4.49
1430 Year High Balance0.000%3.625%3.697%$4.56
140.000%3.625%3.697%$4.56
3130 Year High Balance/ Non-Conforming0.000%3.625%3.697%$4.56
4315 Year Conforming0.000%3.000%3.137%$6.91
0.000%3.000%3.137%$6.91
1515 Year High Balance0.000%3.000%3.137%$6.91
0.000%3.000%3.137%$6.91
1930 Year Conforming- SPECIAL0.000%3.500%3.579%$4.49
ARM Loans
Rates Effective: May 22, 2020
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
875/1 ARM 2/2/5 Conforming 1 YR LIBOR0.000%2.990%3.963%$4.21
885/1 ARM 2/2/5 High Balance Loan 1 YR LIBOR0.000%2.990%3.955%$4.21
885/1 ARM 2/2/5 Non Conforming 1 YR LIBOR0.000%2.990%3.946%$4.21
355/5 ARM 2/2/5 Conforming 5 YR Treasury CMT *(1)0.000%3.875%4.188%$4.70
355/5 ARM 2/2/5 High Balance 5 YR Treasury CMT *(1)0.000%4.125%4.271%$4.85
355/5 ARM 2/2/5 Jumbo 1 YR LIBOR0.000%4.375%4.354%$4.99
907/1 ARM 2/2/5 Conforming 1 YR LIBOR0.000%3.250%3.929%$4.35
907/1 ARM 2/2/5 High Balance 1 YR LIBOR0.000%3.250%3.920%$4.35
907/1 ARM 2/2/5 Non Conforming 1 YR LIBOR0.000%3.250%3.911%$4.35
VA Loans
Rates Effective: May 22, 2020
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
0715 Year Fixed VA0.500%3.000%3.237%$6.67
0630 Year Fixed VA0.500%3.500%3.739%$4.49
Alternative Fixed Rate Loans
Rates Effective: May 22, 2020
Program IDDescriptionPointsRate (as low as)APR (as low as)Est. Payments Per $1,000*
2120 Year Conforming0.000%3.500%3.612%$5.80
2120 Year Conforming0.000%3.500%3.612%$5.80
2310 Year Conforming0.00%3.000%3.200%$9.66
2310 Year Conforming0.000%3.000%3.200%$9.66

*Taxes and insurance premiums are not included in the payment and your actual payment obligation will be greater.

All rates are subject to change without notice. Rates are not guaranteed until locked. Rates for these products are determined by the applicant's credit history, payment history, income, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Loans are subject to credit approval and secured by a lien on owner-occupied homes. Depending on your situation, mortgage insurance may be needed which could increase the monthly payment and APR. Loan programs are subject to change or may be discontinued without notice. Other restrictions may apply.

Conventional Conforming Loan Programs (Ventura County) Loans up to $510,400. Annual Percentage Rate (APR) based on a loan amount of $510,400 for the stated term for an owner occupied single family property with a Loan-to-Value (LTV) of 80%. HomeReady from FNMA is based on a Loan-To-Value (LTV) of 97%, requires Mortgage insurance and an impound account.

Conventional High Balance Loans Loans between $510,401 and $713,000 Ventura County. Annual Percentage Rate (APR) based on a loan amount of $713,000 for the stated term for an owner-occupied single family property with a Loan-to-Value (LTV) of 80%.

Conventional Non-Conforming Loans (Ventura County) Loans over $713,000 up to $1,000,000. Annual Percentage Rate (APR) based on a loan amount of $800,000 for the stated term for an owner occupied single family property with a Loan-to-Value (LTV) of 80%. Loan Balances between $713,000 up to $1 million qualify for the 30 year non-conforming loan program.

FHA Conforming Loan Programs (Ventura County) Loans up to $510,400. Annual Percentage Rate (APR) based on loan amount of $510,400 for the stated term for an owner occupied single family property. Mortgage insurance may be required on FHA loans.

FHA High Balance Loan Programs (Ventura County) Loans up to $510,401 and $713,000. Annual Percentage Rate (APR) based on loan amount of $713,000 for the stated term for an owner occupied single family property. Mortgage insurance may be required on FHA loans.

Second Trust Deeds

Standard Equity
Rates Effective: May 22, 2020
Program IDDescriptionRate (as low as)APR (as low as)Est. Payments Per $1,000
4415 Year Fixed 2nd TD4.750%4.750%$7.78
6910 Year Fixed 2nd TD4.750%4.750%$10.48
6720 Year Fixed 2nd TD4.750%4.750%$6.46
Home Equity Line of Credit - Adjustable Rate (Owner Occupied Property)
Rates Effective: May 22, 2020
Program IDDescriptionRate (as low as)APR (as low as)Index Prime +Est. Payments per $1,000
71Standard HELOC 80.01% CLTV up to 85%4.750%4.750%1.500$5.70
71Standard HELOC 70.01% up to 80% CLTV3.750%3.750%0.500%$5.14
71Standard HELOC 70% CLTV or less3.250%3.250%0.000%$4.87
71Standard HELOC 60% CLTV or less (Investment Property)4.750%4.750%1.500%$6.46
Home Equity Line of Credit - Adjustable Rate (Investment Property)
Rates Effective: May 22, 2020
Program IDDescriptionRate (as low as)APR (as low as)Index Prime +Est. Payments per $1,000
71Standard HELOC 60% CLTV4.750%4.750%1.500%$5.70

The HELOC has a 15 year draw period and then becomes due and payable over a ten (10) year repayment period. Payments are interest only. The rate is variable and is subject to change quarterly. Variable rate based on Prime Rate Index as published in the Wall Street Journal. This is a Variable Rate loan with an interest rate floor equal to the start rate and a maximum life interest rate cap of 18%. Early repayment fees may apply. Valid for standard Home Equity Line of Credit only; Minimum loan amount is $20,000. Lifetime maximum of 18% APR. Certain restrictions apply.

Rates for these products are determined by the applicant's credit, payment history, income and collateral and subject to change without notice. Loans are subject to credit approval and secured by lien on residential property. You may borrow up to 80%* of the appraised value for owner occupied property and 60% for investment property; combined loan to value cannot exceed 80%* for owner occupied property and 60% for investment property. *If you have a VCCU 1st mortage, the maximum CLTV is 85% for HELOCs. Maximum cash out for owner occupied property is $350,000 and investment property $100,000. Offer does not include refinances of existing VCCU loans.

All loans subject to approval.