Mortgage Lender in Newbury Park, CA
Choice One Mortgage has served the Conejo Valley since 1995 — over three decades of helping Newbury Park families purchase homes, refinance existing loans, and build lasting wealth through homeownership.
Newbury Park sits on the western edge of the Conejo Valley, offering homebuyers something increasingly rare in Southern California: access to one of the top-rated school districts in Ventura County, a safe and family-friendly community with abundant open space, and home prices that are often more accessible than neighboring Thousand Oaks or Westlake Village. Whether you are a young family drawn to the Conejo Valley Unified School District, a biotech professional working at Amgen or one of the nearby life sciences campuses, or a move-up buyer looking for more space, Bill Lewis and Choice One Mortgage provide the experienced, personal mortgage guidance you deserve.
As a mortgage broker, we shop dozens of wholesale lenders to find the best rate and loan program for your specific situation — more options and better pricing than going directly to a single bank. Call (310) 614-5920 for a free, no-obligation loan analysis.
Free Loan Analysis • No Obligation • Serving the Conejo Valley Since 1995
The Newbury Park Housing Market
Newbury Park is technically a community within the City of Thousand Oaks, but it has a distinct identity shaped by its geography, its neighborhoods, and its slightly more affordable price points compared to central Thousand Oaks. Homes here typically range from $700,000 to $1.2 million, with newer construction in master-planned communities like Dos Vientos pushing into the $1.3 million range and above.
What makes Newbury Park especially attractive to homebuyers is the combination of value and quality of life. Residents enjoy the same excellent Conejo Valley Unified School District, the same low crime rates, and the same access to hiking trails and open space as the rest of Thousand Oaks — often at a lower price per square foot. The community also benefits from strong freeway access via the 101, making commutes to Camarillo, Oxnard, Westlake Village, and even the San Fernando Valley manageable.
The presence of Amgen and a growing cluster of biotech and technology companies provides a steady base of well-qualified homebuyers, supporting strong property values and contributing to Newbury Park’s reputation as a community that holds its value through market cycles.
Newbury Park Neighborhoods We Serve
Dos Vientos
A newer master-planned community on the hills above Newbury Park, known for modern architecture, community parks, and top-rated schools. Homes here often range from $1M to $1.5M+, and conventional or jumbo financing is common. Many buyers are relocating professionals who value the newer construction and neighborhood amenities.
Ventu Park
One of Newbury Park’s most established neighborhoods, Ventu Park offers well-maintained single-family homes from the 1970s and 1980s on larger lots. Prices typically range from $800K to $1.1M, making this an excellent area for conventional loans within the Ventura County conforming limit of $1,017,750.
Borchard Area
Centrally located with easy access to shopping, dining, and the 101 freeway, the Borchard corridor features a mix of single-family homes, townhomes, and condos. Entry-level pricing in the $700K range makes this a popular area for first-time homebuyers using conventional low-down-payment or FHA financing.
Lynn Ranch
A charming, semi-rural neighborhood with horse properties and larger lots that give it a distinctly different feel from the rest of Newbury Park. Homes here can range widely from $900K to well over $1.5M depending on acreage and improvements, and buyers often need customized loan solutions.
Newbury Park Proper
The heart of the community, centered around the Newbury Park branch library, Newbury Road, and local parks. This area has a strong mix of single-family homes built from the 1960s through the 1990s, with prices typically in the $750K to $1M range — well within the Ventura County conforming loan limit.
South Newbury Park & Open Space Adjacent
Homes backing up to the Santa Monica Mountains and Conejo Valley open space preserves command premium prices for their views and trail access. These properties are popular with outdoor enthusiasts and often require conventional or jumbo financing in the $900K to $1.3M range.
Home Loan Programs Available in Newbury Park
As a mortgage broker, Choice One Mortgage works with dozens of wholesale lenders to find the best rate and program for your specific situation. Here are the loan products we most commonly originate for Newbury Park homebuyers and homeowners:
Conventional Loans
The most popular option for Newbury Park buyers, and for good reason. The 2026 conforming loan limit for Ventura County is $1,017,750 — a high-balance limit that covers the vast majority of single-family homes in Newbury Park without requiring a jumbo loan. Buyers with strong credit can put as little as 3% down, and those who put 20% down avoid private mortgage insurance entirely. For a $900,000 home, a conventional loan with 10% down means financing $810,000, well within the conforming limit.
Jumbo Loans
Higher-end properties in Dos Vientos, Lynn Ranch, and open-space-adjacent neighborhoods can exceed $1,017,750. Our jumbo loan programs offer competitive rates with as little as 10% down for well-qualified borrowers, and we work with specialty lenders who understand the Conejo Valley market.
FHA Loans
A strong option for first-time buyers in Newbury Park’s more affordable neighborhoods and condo communities. With just 3.5% down and flexible credit requirements, FHA loans make Conejo Valley homeownership accessible to families who might not qualify for conventional financing.
VA Loans
Newbury Park is home to many veterans and military families, some connected to Naval Base Ventura County in nearby Point Mugu. VA loans offer zero down payment and no monthly mortgage insurance — a tremendous advantage in a market where home prices regularly exceed $800,000. We are experienced VA loan originators and understand the specific requirements of VA appraisals in the Conejo Valley.
Reverse Mortgages
Longtime Newbury Park residents who purchased decades ago have built substantial equity. A reverse mortgage allows homeowners age 62 and older to convert that equity into tax-free income without monthly mortgage payments — a powerful retirement planning tool given current Conejo Valley home values.
Non-QM Loans
Self-employed professionals, small business owners, and consultants who do not fit rigid W-2 documentation requirements have options. Our non-QM programs include bank statement loans, DSCR investor loans, and asset depletion programs that qualify borrowers based on their true financial picture.
Refinancing
Whether you want to lower your rate, shorten your term, or tap into equity, we help Newbury Park homeowners evaluate their options. Our Refinance Scenario Builder lets you compare scenarios side by side.
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 who has been serving the Conejo Valley since 1995. Here is what that means for your home purchase or refinance:
- Deep local knowledge — We know Newbury Park’s neighborhoods, which streets command premiums, which HOA communities have strong financials, and which appraisers understand the nuances of Conejo Valley pricing.
- Direct communication — You will have Bill’s cell phone number. When you have a question at 7pm on a Tuesday, you get an answer — not a voicemail tree at a call center.
- Better rates through competition — As a broker, we shop dozens of lenders on your behalf. Banks offer you their rate. We offer you the best rate from a marketplace of lenders competing for your business.
- Faster closings — Because we work with local title companies and have established relationships throughout the Conejo Valley real estate community, our average closing time is significantly shorter than national lenders.
- Honest advice — If refinancing does not make financial sense, we will tell you. If a particular loan product is not in your best interest, we will steer you away from it. Our business has been built on referrals from satisfied clients since 1995, not on volume.
No cost • No obligation • Response within 24 hours
Frequently Asked Questions About Newbury Park Mortgages
What is the conforming loan limit in Newbury Park for 2026?
The 2026 conforming loan limit for Ventura County, which includes Newbury Park, is $1,017,750 for a single-family home. This high-balance limit means the vast majority of Newbury Park homes can be financed with a conventional loan rather than a jumbo loan, which typically offers better rates and more flexible qualification requirements.
Is Newbury Park a separate city from Thousand Oaks?
Newbury Park is a community within the City of Thousand Oaks, not a separate incorporated city. However, it has its own distinct identity, ZIP code (91320), post office, and neighborhood character. For mortgage purposes, Newbury Park falls within Ventura County and benefits from the county’s high-balance conforming loan limit of $1,017,750.
How much do I need for a down payment on a home in Newbury Park?
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 $900,000 home in Newbury Park, a 3% conventional down payment would be $27,000, a 10% down payment would be $90,000, and a 20% down payment (to avoid PMI) would be $180,000. We help you evaluate which option makes the most sense for your financial situation.
Can I get a mortgage in Newbury Park if I am self-employed?
Yes. Many Newbury Park residents are self-employed professionals, consultants, and business owners — particularly in the biotech and technology sectors. Our non-QM bank statement loan programs qualify you based on 12 to 24 months of bank deposits rather than tax returns. This is especially valuable for self-employed borrowers whose tax write-offs reduce their reported income below what they actually earn. Call us at (310) 614-5920 to discuss your specific situation.
How long does it take to close on a home in Newbury Park?
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 appraisers who know the Conejo Valley market and local title companies experienced with Ventura County transactions, 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 strengthen your offer in a competitive market.
Serving All of the Conejo Valley & Southern California
While Choice One Mortgage has served the Conejo Valley since 1995, we proudly help homebuyers and homeowners throughout Southern California. Click below to learn about mortgage options in nearby Conejo Valley 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.