Mortgage Lender in Calabasas, CA
Serving Calabasas homebuyers since 1995, Choice One Mortgage specializes in the jumbo loans, non-QM financing, and personalized service that luxury buyers in western Los Angeles County demand.
Calabasas is one of the most sought-after addresses in Southern California — an affluent community of roughly 24,000 residents nestled against the Santa Monica Mountains, known for its gated estates, top-rated schools, and the kind of privacy that attracts entertainment, sports, and business professionals from across the country. With median home prices well above $1.5 million and many properties ranging from $2 million to $10 million or more, buying a home here requires a mortgage lender who truly understands luxury real estate financing.
That is exactly what Bill Lewis and Choice One Mortgage deliver. As a mortgage broker with over 30 years of experience and access to dozens of wholesale lenders, we specialize in the jumbo loans and non-QM programs that Calabasas buyers rely on. Whether you are purchasing a gated estate in The Oaks, a family home in Calabasas Park Estates, or a rustic property in Monte Nido, we find the best rate and terms for your unique financial profile.
Call (310) 614-5920 for a free, no-obligation consultation tailored to your situation.
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The Calabasas Housing Market
Calabasas sits at the western edge of Los Angeles County, bordered by the Santa Monica Mountains National Recreation Area to the south and Malibu Canyon to the west. The city is known for its combination of suburban comfort and natural beauty — residents enjoy hiking trails, equestrian properties, and open space alongside upscale shopping at The Commons at Calabasas and easy freeway access via the 101.
What sets the Calabasas real estate market apart is how consistently it sits above the conforming loan limit. The 2026 conforming loan limit for Los Angeles County is $1,209,750, which is already one of the highest in the nation. Yet the majority of single-family homes in Calabasas are priced above that threshold, meaning most buyers need jumbo financing. In the gated communities and hillside estates, purchase prices of $3 million to $8 million are common, requiring highly specialized loan structures.
The buyer profile here is equally distinctive. Calabasas attracts entertainment industry executives, professional athletes, entrepreneurs, and high-net-worth individuals — many of whom have complex income structures that do not fit neatly into conventional underwriting guidelines. This is where our non-QM expertise becomes essential.
The Las Virgenes Unified School District serves Calabasas and is consistently rated among the top districts in Los Angeles County, which drives strong demand from families and helps property values remain resilient even during broader market downturns.
Calabasas Neighborhoods We Serve
The Oaks of Calabasas
An ultra-luxury gated community that is home to some of the most recognizable names in entertainment and sports. Homes here range from $4 million to $20 million or more, requiring sophisticated jumbo financing with flexible underwriting. We work with specialty lenders experienced in high-value appraisals and celebrity-level privacy requirements.
Calabasas Park Estates
One of the most established and desirable neighborhoods in the city, featuring spacious single-family homes on generous lots with mountain views. Prices typically range from $1.5 million to $4 million, placing most transactions firmly in jumbo loan territory. An excellent choice for families seeking top-rated schools and a strong sense of community.
Calabasas Highlands
Elevated hillside properties offering sweeping views and larger lots. Homes in the Highlands often range from $1.3 million to $3 million, and the terrain can present unique appraisal considerations that we are experienced in navigating with our lender network.
Mulwood
A well-regarded family neighborhood with tree-lined streets and a suburban feel. Homes here are typically priced from $1.2 million to $2.5 million, offering a somewhat more accessible entry point to Calabasas while still being within the Las Virgenes school district. Both jumbo and high-balance conventional loans are used here.
Park Occidental
A gated community offering privacy and security with homes generally ranging from $1.5 million to $3.5 million. Popular with professionals who value proximity to both the Westside and the San Fernando Valley. Jumbo loan programs with competitive rates are the standard financing choice in this neighborhood.
Monte Nido
A unique, rustic community in Malibu Canyon known for its equestrian properties, creek-side homes, and a distinctly rural character just minutes from the city. Properties here present special considerations including well water, septic systems, and acreage that require a lender experienced with non-standard property types. Prices range widely from $1 million to $5 million or more.
Home Loan Programs for Calabasas Buyers
As a mortgage broker, Choice One Mortgage is not limited to a single bank’s products. We search dozens of wholesale lenders to match Calabasas buyers with the optimal loan program for their financial situation. Here are the programs most relevant to this market:
Jumbo Loans
The cornerstone of Calabasas home financing. With the 2026 LA County conforming limit at $1,209,750 and most Calabasas homes priced well above that, jumbo loans are the norm rather than the exception here. Our jumbo programs offer competitive rates with as little as 10% down for well-qualified borrowers, and we have access to super-jumbo products for loans above $3 million and $5 million. We work with lenders who understand high-value properties and can handle the unique appraisal requirements of gated communities like The Oaks.
Non-QM Loans
Calabasas has one of the highest concentrations of self-employed, commission-based, and non-traditionally compensated buyers in Southern California. Entertainment industry professionals, business owners, investors, and high-net-worth individuals often have financial profiles that do not fit standard underwriting guidelines. Our non-QM programs include bank statement loans (12 or 24 months), asset depletion loans that qualify borrowers based on liquid assets, profit-and-loss statement loans for business owners, and DSCR programs for investment properties. These programs are critical for Calabasas buyers, and we originate them regularly.
Conventional Loans
For properties priced at or below the $1,209,750 conforming limit — primarily condos and townhomes in Calabasas — conventional loans offer excellent rates and terms. Buyers with 20% down avoid private mortgage insurance entirely. High-balance conventional loans up to the LA County limit are particularly useful for properties in the $900,000 to $1.2 million range.
VA Loans
Veterans and active-duty military members buying in Calabasas benefit from VA loans, which offer zero down payment and no monthly mortgage insurance. Since VA loans no longer have a loan limit for borrowers with full entitlement, qualified veterans can use VA financing even on Calabasas luxury properties — a significant advantage in this price range.
Reverse Mortgages
Long-time Calabasas homeowners who have built substantial equity may benefit from a reverse mortgage, which allows homeowners age 62 and older to access their equity without monthly mortgage payments. With Calabasas home values as high as they are, reverse mortgages can provide significant retirement income. We take the time to explain how these work in straightforward terms so you can make an informed decision.
Refinancing
Whether you want to lower your interest rate, shorten your term, consolidate debt, or access equity for home improvements, we help Calabasas homeowners evaluate their refinancing options. Our Refinance Scenario Builder lets you compare scenarios side by side before making a decision.
Why Calabasas Buyers Choose a Mortgage Broker
In a market as specialized as Calabasas, working with a mortgage broker rather than a single bank provides distinct advantages:
- Access to specialty lenders — The jumbo and non-QM products that Calabasas buyers need are not available at every bank. As a broker, we access lenders that specialize in luxury market financing, complex income documentation, and high-value properties.
- Rate competition — We shop your loan across multiple lenders simultaneously, ensuring you get the most competitive rate for your specific scenario. On a $2 million loan, even a small rate difference saves tens of thousands over the life of the loan.
- Experienced guidance — Bill Lewis has been originating mortgage loans since 1995. He has seen every market cycle, every type of complex income situation, and every unusual property challenge. That experience matters when your purchase price is seven figures.
- Discretion and personal service — Many Calabasas buyers value privacy. You will work directly with Bill — not a rotating cast of loan officers at a call center. One point of contact, one phone number, one person who knows your file inside and out.
No cost • No obligation • Response within 24 hours
Frequently Asked Questions About Calabasas Mortgages
What is the conforming loan limit in Calabasas for 2026?
The 2026 conforming loan limit for Los Angeles County, which includes Calabasas, is $1,209,750 for a single-family home. Any loan amount above this requires jumbo financing. Because the majority of single-family homes in Calabasas are priced above this limit, jumbo loans are the most common financing type here. Choice One Mortgage offers competitive jumbo and super-jumbo programs with flexible terms for well-qualified borrowers.
Can I get a mortgage in Calabasas with non-traditional income?
Yes, and this is one of our specialties. Many Calabasas buyers — entertainment industry professionals, business owners, investors, and independent contractors — have income that does not fit standard W-2 documentation. Our non-QM loan programs include bank statement loans (using 12 to 24 months of deposits instead of tax returns), asset depletion loans for borrowers with significant liquid assets, and P&L statement programs for business owners. Call (310) 614-5920 to discuss which option fits your situation.
How much do I need for a down payment on a jumbo loan in Calabasas?
Jumbo loan down payment requirements vary by lender and loan amount. For loans up to about $2 million, well-qualified borrowers can often put as little as 10% down. For loans above $2 million, 15% to 20% is more typical, and for super-jumbo loans above $3 million, 20% to 25% down is standard. As a broker, we have access to multiple jumbo lenders and can find the program with the lowest down payment requirement for your specific purchase price and financial profile.
Does Choice One Mortgage finance homes in gated communities like The Oaks?
Yes. We regularly finance properties in Calabasas gated communities including The Oaks, Park Occidental, and others. These properties often require lenders experienced with high-value appraisals, limited comparable sales data, and the privacy considerations that come with luxury gated properties. We work with specialty jumbo lenders who understand this market and can handle these unique requirements efficiently.
What makes a mortgage broker better than a bank for a Calabasas home purchase?
Most banks offer a limited menu of loan products, which works fine in average-priced markets. In Calabasas, where jumbo loans, non-QM programs, and complex financial profiles are the norm, a broker’s ability to shop across dozens of lenders is a significant advantage. We can match you with the specific lender that offers the best rate and terms for your loan amount, income type, and property characteristics. This is especially valuable for loans above $2 million and for buyers with self-employment or business income.
Serving Calabasas and the Greater Conejo Valley
Choice One Mortgage has been serving homebuyers throughout western Los Angeles County and the Conejo Valley since 1995. We work with buyers and homeowners in Calabasas and all surrounding communities across Southern California.
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.