Mortgage Lender in Agoura Hills, CA
Choice One Mortgage has served homebuyers in Agoura Hills and the Conejo Valley since our founding in 1995 — bringing over three decades of local mortgage expertise to one of the most desirable communities at the western edge of Los Angeles County.
Agoura Hills is a small city with a big sense of place. Nestled against the Santa Monica Mountains and bordered by Calabasas, Westlake Village, and Thousand Oaks, this community of approximately 21,000 residents offers an uncommon blend of open space, top-rated schools, and easy access to both the San Fernando Valley and the greater Conejo Valley. Whether you are buying your first home near Lindero Canyon, upgrading to a hillside property with mountain views, or refinancing an equestrian estate in Old Agoura, Bill Lewis and the team at Choice One Mortgage provide the personal service and market knowledge that set us apart from national online lenders.
Call (310) 614-5920 for a free, no-obligation loan analysis and discover why Agoura Hills homebuyers have trusted Choice One Mortgage for over 30 years.
Free Loan Analysis • No Obligation • 30+ Years Experience
The Agoura Hills Housing Market
Agoura Hills offers one of the most varied residential landscapes in the western Los Angeles County corridor. Home prices typically range from the low $800,000s for condos and smaller townhomes to well over $2 million for custom homes on larger lots — particularly in the equestrian-zoned areas of Old Agoura, where half-acre and full-acre parcels are common. This price range places many Agoura Hills purchases squarely in conventional conforming territory, while the upper end of the market regularly requires jumbo financing.
What makes Agoura Hills particularly attractive to families is the Las Virgenes Unified School District, one of the highest-rated public school districts in Los Angeles County. Schools like Agoura High School and Lindero Canyon Middle School consistently earn strong marks, and this educational quality directly supports home values throughout the city. Buyers relocating from the San Fernando Valley or Westside of Los Angeles are often drawn here specifically for the schools, the open space, and the notably lower density compared to neighborhoods closer to the city center.
The city’s proximity to entertainment industry hubs in Calabasas and Malibu also supports steady demand. Many homebuyers here are industry professionals who value the short commute to studios while enjoying the quieter, more spacious lifestyle the Conejo Valley provides. Paramount Ranch — the historic movie ranch now part of the Santa Monica Mountains National Recreation Area — sits just minutes from town.
Agoura Hills Neighborhoods We Serve
Old Agoura
The rustic, equestrian heart of the community with large lots, horse properties, and a rural character unlike anywhere else in LA County. Homes here often sit on half-acre to multi-acre parcels and can range from $1M to $3M+. Jumbo loans and unique appraisal expertise are frequently needed for these distinctive properties.
Morrison Ranch
A sought-after neighborhood of well-maintained single-family homes popular with families for its quiet streets and proximity to top-rated Las Virgenes schools. Home prices typically range from $900K to $1.4M, making both conventional conforming and jumbo loan programs common here.
Hillrise & Malibu Canyon Corridor
Homes along the hillsides near Malibu Canyon Road offer stunning mountain views and a sense of seclusion while remaining minutes from the 101 Freeway. Properties in this area attract buyers looking for space, privacy, and natural beauty, with prices often exceeding $1.2M.
Kanan Road Developments
Newer residential communities along the Kanan Road corridor feature modern floor plans, energy-efficient construction, and family-friendly layouts. These developments are popular with first-time move-up buyers and typically range from $800K to $1.3M — well within conforming loan limits for LA County.
Lindero Canyon
A centrally located area with a mix of single-family homes and townhome communities near Lindero Canyon Middle School and local parks. This neighborhood offers some of the more accessible price points in Agoura Hills, with townhomes starting in the high $600s and single-family homes from $900K to $1.3M.
Lake Lindero & Oak Park Border
The eastern edge of Agoura Hills bordering the Oak Park community features established neighborhoods around the Lake Lindero area. Homes here benefit from excellent schools in both the Las Virgenes and Conejo Valley school districts, with prices typically ranging from $950K to $1.5M.
Home Loan Programs Available in Agoura Hills
As a mortgage broker, Choice One Mortgage works with dozens of wholesale lenders to find the best rate and program for your specific situation. Unlike banks and retail lenders that offer only their own products, we shop the market on your behalf. Here are the loan products we most commonly originate for Agoura Hills homebuyers and homeowners:
Conventional Loans
The most popular option for Agoura Hills buyers with good credit and at least 3% down. Because Agoura Hills is in Los Angeles County — designated a super high-cost area — the 2026 conforming loan limit is $1,209,750 for a single-family home. This exceptionally high limit means that the majority of homes in Agoura Hills can be financed with a conventional conforming loan, keeping rates lower and qualification requirements more straightforward than jumbo alternatives. Buyers with 20% down avoid private mortgage insurance entirely.
Jumbo Loans
For Agoura Hills properties priced above the $1,209,750 conforming limit — particularly custom estates in Old Agoura and premium hillside homes — our jumbo loan programs offer competitive rates with as little as 10% down for well-qualified borrowers. We work with specialty lenders who understand the unique appraisal considerations for equestrian properties and homes on larger acreage in the Santa Monica Mountains foothills.
FHA Loans
An excellent option for first-time buyers looking at townhomes and condos in Agoura Hills. FHA loans require just 3.5% down and offer more flexible credit requirements than conventional financing. The FHA loan limit in Los Angeles County is also elevated, making this program viable for a significant portion of Agoura Hills properties. On a $750,000 townhome, the FHA down payment is just $26,250.
VA Loans
Agoura Hills is home to veterans and active-duty military families who commute to nearby bases and defense contractors. VA loans offer zero down payment and no monthly mortgage insurance — a tremendous advantage in a market where home prices start in the high six figures. We are experienced VA loan originators and understand the specific requirements of VA appraisals in the Los Angeles County market.
Reverse Mortgages
Many long-time Agoura Hills homeowners have built substantial equity as the area has appreciated significantly over the decades. A reverse mortgage allows homeowners age 62 and older to convert that equity into tax-free income without making monthly mortgage payments. We take the time to explain how reverse mortgages work in plain language.
Non-QM Loans
Agoura Hills attracts many self-employed entertainment professionals, business owners, and entrepreneurs whose income does not fit neatly into traditional W-2 documentation. Our non-QM programs include bank statement loans, DSCR investor loans, and asset depletion programs that qualify borrowers based on their true financial picture rather than rigid tax return requirements.
Refinancing
Whether you want to lower your rate, shorten your loan term, or tap into your home’s equity, we can help Agoura Hills homeowners evaluate their refinancing options. Our Refinance Scenario Builder lets you compare different scenarios side by side, and our Amortization Calculator shows you exactly how extra payments accelerate your payoff.
Why Choose a Local Conejo Valley Mortgage Lender?
When you work with Choice One Mortgage, you are working directly with Bill Lewis — a licensed mortgage professional with over 30 years of experience who has served the Conejo Valley since 1995. Here is what that means for your home purchase or refinance:
- Deep local knowledge — We understand the difference between financing a condo in Lindero Canyon and an equestrian property in Old Agoura. We know which communities have HOA requirements that affect loan approval, and we know the appraisal landscape in the Santa Monica Mountains foothills.
- Direct communication — You will have Bill’s cell phone number. When you have a question at 7pm on a Tuesday, you will get an answer — not a voicemail tree.
- Faster closings — Because we work with local title companies and have established relationships with appraisers who know the western LA County market, our average closing time is significantly shorter than national lenders.
- Broker advantage — As a broker, we are not locked into one bank’s products or pricing. We shop dozens of wholesale lenders to find you the best combination of rate, fees, and loan terms available in the market today.
- Honest advice — If refinancing does not make financial sense for you, we will tell you. If a particular loan product is not in your best interest, we will steer you away from it. Our business is built on referrals from satisfied clients, not on volume.
No cost • No obligation • Response within 24 hours
Frequently Asked Questions About Agoura Hills Mortgages
What is the conforming loan limit in Agoura Hills for 2026?
The 2026 conforming loan limit for Los Angeles County, which includes Agoura Hills, is $1,209,750 for a single-family home. This is the maximum amount you can borrow with a conventional conforming loan. Because Agoura Hills is in a designated super high-cost area, this limit is significantly higher than the national baseline. Homes priced above this amount require a jumbo loan, and Choice One Mortgage offers competitive jumbo programs for the Agoura Hills luxury market.
How much do I need for a down payment on a home in Agoura Hills?
Down payment requirements depend on the loan type. Conventional loans require as little as 3% down, FHA loans require 3.5%, and VA loans offer zero down for eligible veterans. For a $1,000,000 home in Agoura Hills, a 3% conventional down payment would be $30,000, while a 20% down payment to avoid mortgage insurance would be $200,000. Because the LA County conforming limit is $1,209,750, many Agoura Hills homes can be financed with conventional programs rather than jumbo loans.
Can I get a mortgage for an equestrian property in Old Agoura?
Yes. Old Agoura is known for its equestrian-zoned properties on larger lots, and financing these homes requires a lender who understands the unique appraisal considerations involved. Properties with horse facilities, non-standard lot sizes, or mixed-use zoning can be more complex to appraise and underwrite. Choice One Mortgage has experience financing these types of properties and works with appraisers who understand the value that equestrian improvements add. Call us at (310) 614-5920 to discuss your specific property.
Can I get a mortgage in Agoura Hills if I am self-employed in the entertainment industry?
Absolutely. Many Agoura Hills residents work in entertainment — an industry where income often fluctuates year to year and where significant tax deductions can reduce reported earnings well below actual income. Our non-QM bank statement loan programs qualify you based on 12 to 24 months of bank deposits rather than tax returns. We also offer asset depletion programs for borrowers with substantial savings or investments. These programs are designed specifically for the types of income profiles common in the entertainment and creative industries.
How long does it take to close on a home in Agoura Hills?
Our typical closing timeline is 25 to 35 days from accepted offer, which is faster than the national average of 45 days. Because we work with local title companies and have established relationships with appraisers who know the western Los Angeles County market, we can often accelerate the process. Having your pre-approval completed before making an offer is the single best way to speed up closing — and it makes your offer stronger in a competitive market like Agoura Hills.
Serving the Conejo Valley and Beyond
Choice One Mortgage has proudly served the Conejo Valley since 1995. In addition to Agoura Hills, we help homebuyers and homeowners throughout the surrounding communities and all of Southern California. Click below to learn about mortgage options in nearby cities:
Choice One Mortgage Company, Inc. | NMLS 233784 | CA DRE 01238593
Bill Lewis | NMLS 284797 | (310) 614-5920
Equal Housing Lender. Subject to credit and property approval. This is not a commitment to lend.