Mortgage Lender in Camarillo, CA
Serving Camarillo homebuyers and homeowners since 1995, Choice One Mortgage brings over three decades of local lending expertise to every loan we originate in Ventura County.
Camarillo sits in the heart of Ventura County, a city of roughly 70,000 residents known for its pleasant climate, strong schools, and a housing market that offers everything from starter homes to luxury estates in gated golf communities. Whether you are a first-time buyer looking at a townhome in Village at the Park, a military family stationed at nearby Naval Base Ventura County (Point Mugu) using your VA benefit, or a move-up buyer eyeing a custom home in Spanish Hills, Choice One Mortgage has the programs and the experience to get your loan closed.
As a mortgage broker, we are not limited to one bank’s products. We shop dozens of wholesale lenders to find you the best rate and terms for your specific financial situation. Call Bill Lewis directly at (310) 614-5920 for a free, no-obligation loan analysis.
Free Loan Analysis • No Obligation • 30+ Years Experience
The Camarillo Housing Market
Camarillo offers one of the most balanced real estate markets in Ventura County. Home prices typically range from $650,000 to $1.2 million for single-family residences, with luxury properties in Spanish Hills and Camarillo Heights reaching well above that range. This diversity means buyers at nearly every price point can find a home here, and the right mortgage program can make all the difference in affordability.
The city’s location along the 101 Freeway makes it commutable to both Los Angeles and Ventura, which has driven steady demand from professionals who want a suburban lifestyle without giving up access to major employment centers. Cal State University Channel Islands, just minutes from downtown, brings academic employment and a youthful energy to the community. Meanwhile, the Camarillo Premium Outlets draw visitors from across Southern California, supporting the local economy and commercial real estate market.
Camarillo’s agricultural heritage remains visible in the strawberry fields along Lewis Road, but the city has matured into a well-planned community with excellent infrastructure, parks, and a mix of housing styles from mid-century ranch homes to brand-new construction. The Pleasant Valley School District and Oxnard Union High School District serve the area, and school quality is a major factor driving family homebuyers to Camarillo over neighboring cities.
Camarillo Neighborhoods We Serve
Spanish Hills
A prestigious gated golf community set in the rolling hills above Camarillo. Homes here often exceed $1.5 million, featuring panoramic views and resort-style amenities. Jumbo loan programs are essential for most purchases in this community, and we work with lenders who understand luxury property valuations.
Camarillo Heights
One of the city’s most established upscale neighborhoods, known for larger lots and custom homes. Properties typically range from $900,000 to $1.5 million. A mix of conventional and jumbo financing is common here depending on the specific property and down payment amount.
Mission Oaks
A well-maintained neighborhood popular with families, offering single-family homes in the $700,000 to $950,000 range. Conventional loans with the Ventura County conforming limit of $1,017,750 cover virtually every home in Mission Oaks, and many buyers qualify for low-down-payment options.
Village at the Park
A newer master-planned community with townhomes, condos, and single-family homes near community parks and walking trails. Entry-level pricing makes this neighborhood attractive to first-time buyers using FHA or conventional loans with as little as 3% to 3.5% down.
Sterling Hills
A planned community with well-kept homes, community pools, and easy freeway access. Homes generally range from $750,000 to $1.1 million. The Ventura County conforming loan limit covers most purchases here, keeping rates and terms favorable for qualified buyers.
Leisure Village
A popular 55-and-over community offering an active retirement lifestyle with golf, pools, and social clubs. Homes here are among the most affordable in Camarillo. We help Leisure Village buyers and residents with purchase loans, refinancing, and reverse mortgages for homeowners age 62 and older.
Home Loan Programs Available in Camarillo
As a mortgage broker with over 30 years of experience, Choice One Mortgage works with dozens of wholesale lenders to match you with the best loan program for your financial situation. Here are the products we most commonly originate for Camarillo homebuyers and homeowners:
Conventional Loans
The most popular option for Camarillo buyers with solid credit. The 2026 conforming loan limit for Ventura County is $1,017,750, which is significantly higher than the national baseline and covers the vast majority of homes in Camarillo. This means more buyers can access competitive conventional rates without needing jumbo financing. Down payments start at just 3%, and borrowers who put 20% down avoid private mortgage insurance.
Jumbo Loans
For homes in Spanish Hills, upper Camarillo Heights, and other luxury properties priced above the $1,017,750 conforming limit, our jumbo loan programs offer competitive rates with as little as 10% down for well-qualified borrowers. We work with specialty lenders who are comfortable with high-value Ventura County properties.
FHA Loans
With just 3.5% down and flexible credit guidelines, FHA loans open the door to homeownership for first-time buyers and those rebuilding credit. On a $700,000 home in Village at the Park, the FHA down payment would be $24,500 — far less than the 20% conventional threshold of $140,000. FHA loan limits in Ventura County are also elevated, making this program viable for a wide range of Camarillo properties.
VA Loans
Camarillo’s proximity to Naval Base Ventura County at Point Mugu and Naval Construction Battalion Center Port Hueneme means a significant number of homebuyers are active-duty military, veterans, or military families. VA loans offer zero down payment and no monthly mortgage insurance — a powerful advantage in a market where home prices regularly exceed $700,000. We are experienced VA loan originators who understand the specific requirements of VA appraisals, and we have helped many military families purchase homes throughout Camarillo and the surrounding area.
Reverse Mortgages
Camarillo is home to a large retirement community, including Leisure Village and many long-time homeowners who have built substantial equity. A reverse mortgage allows homeowners age 62 and older to convert that equity into tax-free income without making monthly mortgage payments. Whether you are looking to supplement retirement income, eliminate an existing mortgage payment, or fund home improvements, we will walk you through the numbers in plain language so you can make an informed decision.
Non-QM Loans
Camarillo attracts self-employed professionals, small business owners, and investors who may not fit the traditional W-2 income mold. Our non-QM programs include bank statement loans (qualifying on 12 to 24 months of deposits), DSCR investor loans (qualifying on rental income), and asset depletion programs for retirees with significant savings. These programs look at your true financial picture rather than rigid tax return requirements.
Refinancing
Whether you want to lower your interest rate, shorten your loan term, or access your home equity for renovations or other needs, we help Camarillo homeowners evaluate their refinance options with honest, numbers-based advice. Use our Refinance Scenario Builder to compare different scenarios side by side before you call.
Why Choose a Local Mortgage Broker in Camarillo?
When you apply with a national online lender, your file is one of thousands being processed by someone who has never set foot in Ventura County. When you work with Choice One Mortgage, you work directly with Bill Lewis — a licensed mortgage professional with over 30 years of experience who has been serving Camarillo borrowers since 1995.
Here is what that means for your home purchase or refinance:
- Local market expertise — We understand Camarillo’s neighborhoods, property values, and which communities have HOA or appraisal considerations that can affect your loan. From Spanish Hills to Leisure Village, we know this market.
- Broker advantage — Unlike a bank that offers only its own products, we shop dozens of lenders for the best rate and terms. You get wholesale pricing that retail banks cannot match.
- Direct communication — You will have Bill’s direct phone number. When your real estate agent has a question at 7pm, you get an answer — not a voicemail tree at a call center.
- VA loan specialization — With so many military families in the Camarillo area, we have deep experience navigating VA loan requirements, entitlement calculations, and the unique aspects of VA appraisals.
- Honest guidance — If a refinance does not save you money, 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, not volume.
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Frequently Asked Questions About Camarillo Mortgages
What is the conforming loan limit in Camarillo for 2026?
The 2026 conforming loan limit for Ventura County, which includes Camarillo, is $1,017,750 for a single-family home. This higher limit reflects the area’s elevated home values and means that most Camarillo homes can be financed with a conventional loan at favorable rates. Properties priced above this threshold require jumbo financing, which Choice One Mortgage also offers at competitive terms.
Can I use a VA loan to buy a home in Camarillo?
Yes, and Camarillo is one of the best places in Southern California to use a VA loan. The city’s proximity to Naval Base Ventura County (Point Mugu) and Port Hueneme means there is a well-established network of VA-friendly real estate agents, appraisers, and title companies. VA loans require zero down payment and carry no monthly mortgage insurance, which can save military families hundreds of dollars per month compared to conventional financing. Call us at (310) 614-5920 to check your VA eligibility and get pre-approved.
How much do I need for a down payment on a Camarillo home?
Down payment requirements depend on the loan type. VA loans require zero down. FHA loans require 3.5%. Conventional loans start at 3% down, and putting 20% down eliminates private mortgage insurance. For a $800,000 home in Camarillo, a 3% conventional down payment would be $24,000, while 20% down would be $160,000. We help you evaluate which option makes the most financial sense for your budget and long-term goals.
Does Choice One Mortgage handle jumbo loans in Camarillo?
Yes. While the Ventura County conforming limit of $1,017,750 covers most Camarillo homes, luxury properties in Spanish Hills, upper Camarillo Heights, and custom-built estates often exceed this threshold. We work with multiple jumbo lenders who offer competitive rates and flexible terms, including options with as little as 10% down for well-qualified borrowers.
How long does it take to close on a home in Camarillo?
Our typical closing timeline is 25 to 35 days from accepted offer, which is faster than the national average of 45 days. Because we have long-standing relationships with local appraisers, title companies, and escrow officers who understand Ventura County properties, we can often move quickly through the process. Getting pre-approved before making an offer is the single best way to accelerate your closing.
Serving Camarillo and the Conejo Valley
While we proudly serve homebuyers throughout Camarillo, our lending reach extends across Ventura County, the Conejo Valley, and all of Southern California. We also have an office in La Quinta serving the Coachella Valley. Click below to learn about mortgage options in nearby communities:
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.