Mortgage Lender in Westlake Village, CA
Choice One Mortgage has served the Conejo Valley since 1995, providing personalized mortgage solutions to homebuyers and homeowners in Westlake Village and surrounding communities for over 30 years.
Westlake Village is one of the most desirable communities in the greater Los Angeles area — an upscale enclave centered around the private Westlake Lake, straddling the border of Los Angeles County and Ventura County. With median home prices ranging from $1 million to well over $3 million, buyers here need a mortgage lender who understands luxury financing, jumbo loan programs, and the unique considerations that come with high-value real estate.
Bill Lewis and the team at Choice One Mortgage have been originating home loans in the Conejo Valley since 1995. As a mortgage broker, we work with dozens of wholesale lenders to find the best rate and terms for your specific situation — whether you are purchasing a lakefront estate, buying your first home near The Promenade, or refinancing an existing property in North Ranch.
Call (310) 614-5920 for a free, no-obligation loan analysis tailored to the Westlake Village market.
Free Loan Analysis • No Obligation • 30+ Years Experience
The Westlake Village Housing Market
Westlake Village occupies a unique position in the Southern California real estate landscape. The incorporated City of Westlake Village sits in Los Angeles County, while the broader Westlake Village community extends into unincorporated Ventura County — a distinction that has significant implications for mortgage financing because each county has different conforming loan limits.
The housing stock in Westlake Village is predominantly single-family homes, many of them custom-built on large lots with views of the surrounding hills, Westlake Lake, or the Santa Monica Mountains. Gated communities, executive estates, and luxury condominiums are common throughout the area. Homes in the most exclusive neighborhoods regularly sell for $2 million to $5 million and beyond, making jumbo loans the standard rather than the exception.
Westlake Village attracts a sophisticated buyer profile — corporate executives, entertainment industry professionals, successful business owners, and entrepreneurs. Many of these buyers have complex financial situations that require creative mortgage solutions. Self-employed borrowers with substantial income but aggressive tax write-offs, for instance, often find that traditional bank underwriting does not reflect their true ability to repay. This is where our non-QM loan programs and broker relationships make a real difference.
The area is served by two highly regarded school districts — Conejo Valley Unified and Las Virgenes Unified — which drives consistent demand from families and supports strong property values across market cycles.
Westlake Village Neighborhoods We Serve
North Ranch
One of the most prestigious gated communities in the Conejo Valley, technically within Thousand Oaks but widely considered part of Westlake Village. Custom estates on large lots, many with panoramic mountain and valley views. Homes here frequently sell above $2.5 million, making jumbo financing essential. We work with lenders experienced in appraising gated luxury communities.
Westlake Lake Estates
Exclusive properties along the shores of the private 150-acre Westlake Lake. Lake-access homes command significant premiums and represent some of the most valuable real estate in the Conejo Valley. These transactions almost always require jumbo loans with specialized underwriting for waterfront properties.
Lake Sherwood
An ultra-luxury community just minutes from Westlake Village, featuring estate homes around the scenic Lake Sherwood. Properties here regularly sell for $3 million to $10 million and above. We have access to jumbo and super-jumbo loan programs with competitive rates for this price tier.
Westlake Village Proper
The incorporated city in Los Angeles County, with a mix of established single-family homes, townhomes, and condominiums. Properties range from the high $700Ks to over $2 million. The LA County conforming loan limit of $1,209,750 means many homes here can be financed with a conventional loan rather than a jumbo.
The Landing & Thousand Oaks Blvd Corridor
A vibrant mixed-use area near the Dole headquarters campus, with newer townhomes and condominiums popular with young professionals and move-up buyers. Conventional and FHA loan programs work well for many properties in this price range, and our broker access ensures you get the most competitive rate available.
Westlake Hills & Lakeview Canyon
Established neighborhoods on the Ventura County side offering a mix of single-family homes from the $900Ks to $2 million. The Ventura County conforming limit of $1,017,750 covers many properties here, but homes at the upper end may require jumbo financing. We help you determine which county your property falls in and which loan limits apply.
Home Loan Programs Available in Westlake Village
As a mortgage broker, Choice One Mortgage shops dozens of wholesale lenders on your behalf. This means you get access to a wider range of loan programs and more competitive rates than any single bank or credit union can offer. Here are the programs we most commonly originate for Westlake Village buyers and homeowners:
Jumbo Loans
Jumbo financing is the backbone of the Westlake Village mortgage market. With median home prices well above conforming limits, most buyers here need a lender with deep jumbo loan expertise. Our jumbo programs offer competitive rates with as little as 10% down for well-qualified borrowers, and we work with specialty lenders who understand luxury home appraisals in gated communities and waterfront settings. For properties above $2 million, we have access to super-jumbo programs up to $10 million and beyond.
Conventional Loans
Westlake Village straddles two counties with different conforming loan limits. Properties in Los Angeles County have a 2026 conforming limit of $1,209,750, while properties in Ventura County have a limit of $1,017,750. For homes priced under these thresholds, a conventional loan typically offers the best rates and terms. We help you determine which county your property falls in and structure the most cost-effective financing.
Non-QM Loans
Westlake Village is home to a high concentration of self-employed professionals, business owners, and executives with complex compensation structures. Our non-QM programs are designed for borrowers whose income is not easily documented through traditional W-2s and tax returns. Bank statement loans qualify you based on 12 to 24 months of deposits. Asset depletion programs use your investment portfolio to establish qualifying income. DSCR loans for investment properties qualify based on rental income. Our broker relationships give you access to the most competitive non-QM rates available.
FHA Loans
While less common in Westlake Village’s luxury market, FHA loans are a viable option for first-time buyers purchasing townhomes or condominiums at the lower end of the price range. With just 3.5% down and flexible credit requirements, FHA financing can open the door to communities like The Landing that offer an entry point into the Westlake Village lifestyle.
VA Loans
VA loans offer zero down payment and no monthly mortgage insurance for eligible veterans and active-duty service members. With no loan limit for full-entitlement borrowers, VA loans are a powerful option even for Westlake Village’s higher-priced homes. We are experienced VA loan originators and understand the unique appraisal and eligibility requirements.
Reverse Mortgages
Many long-time Westlake Village homeowners have built substantial equity over the decades. A reverse mortgage allows homeowners age 62 and older to access that equity as tax-free income without monthly mortgage payments. With home values in the $1 million to $3 million range, a reverse mortgage can provide significant retirement cash flow.
Refinancing
Whether you want to lower your rate, shorten your term, or tap into your home’s equity, we help Westlake Village homeowners evaluate their options. Our Refinance Scenario Builder lets you compare different scenarios side by side before making a decision.
Why Choose a Local Conejo Valley Mortgage Lender?
When you work with a national online lender or a big bank, you are one of thousands of files being processed remotely. 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 and understands the nuances of this market.
Here is what that means for your home purchase or refinance:
- Local market expertise — We know which Westlake Village neighborhoods are in LA County versus Ventura County, which gated communities have HOA requirements that affect financing, and which appraisers understand luxury home valuations in this market.
- Jumbo and non-QM specialists — We are not a one-size-fits-all lender. Our broker relationships include lenders who specialize in jumbo, super-jumbo, and non-QM programs tailored to the affluent buyer profiles common in Westlake Village.
- Direct communication — You will have Bill’s cell phone number. When your real estate agent has a question at 7pm or you need a pre-approval letter updated on a weekend, you get a real person — not a call center.
- Honest guidance — If a particular loan product is not in your best interest, we will tell you. Our business has been built on referrals from satisfied clients since 1995, not on transaction volume.
No cost • No obligation • Response within 24 hours
Frequently Asked Questions About Westlake Village Mortgages
What are the conforming loan limits for Westlake Village in 2026?
Because Westlake Village straddles two counties, the conforming loan limit depends on which side of the county line your property sits on. For properties in Los Angeles County, the 2026 limit is $1,209,750. For properties in Ventura County, the limit is $1,017,750. Homes priced above these amounts require jumbo financing. Choice One Mortgage can help you determine which county applies to your specific property and structure the most cost-effective loan accordingly.
Can I get a mortgage in Westlake Village if I am self-employed?
Absolutely. A large percentage of Westlake Village homebuyers are self-employed business owners, consultants, or professionals with complex income. Our non-QM bank statement loan programs qualify you based on 12 to 24 months of business or personal bank deposits rather than tax returns. This is especially valuable for borrowers whose tax write-offs significantly reduce their reported income. We also offer asset depletion programs for borrowers with substantial investment portfolios. Call us at (310) 614-5920 to discuss your specific situation.
How much do I need for a down payment on a Westlake Village home?
Down payment requirements depend on the loan type and property price. Conventional loans require as little as 3% down, and VA loans offer zero down payment for eligible veterans. For jumbo loans — which are common in Westlake Village — most programs require 10% to 20% down. On a $2 million home, that means $200,000 to $400,000 down. However, we have access to jumbo programs with as little as 10% down for well-qualified borrowers.
Is my Westlake Village property in LA County or Ventura County?
The incorporated City of Westlake Village is in Los Angeles County. However, many addresses commonly referred to as “Westlake Village” — particularly those north of the 101 Freeway and in the Thousand Oaks area — are in Ventura County. This distinction matters because the conforming loan limits differ between the two counties. We can help you verify your property’s county designation and determine which loan limits apply before you start shopping.
How long does it take to close on a home in Westlake Village?
Our typical closing timeline is 25 to 35 days from accepted offer. Jumbo loans can sometimes take slightly longer due to additional documentation requirements, but our established relationships with appraisers who understand the Westlake Village luxury market help keep the process on track. Getting fully pre-approved before making an offer is the single best way to ensure a smooth and timely closing.
Serving All of the Conejo Valley
Choice One Mortgage has been a trusted mortgage lender in the Conejo Valley since 1995. In addition to Westlake Village, we serve homebuyers and homeowners throughout the region and all of 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.