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Best Mortgage Brokers in Oxnard, CA

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Oxnard Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

68Reviewed

48Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

183 Montgomery Avenue, Oxnard, CA 93036
WebsiteLicense: 1833428

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Loan Warehouse is a team of mortgage advisors servicing clients in Oxnard. It offers various mortgage solutions for clients who are in the process of getting a new house or refinancing their existing mortgages. These include FHA, VA, and USDA loans at fixed and adjustable-rate options. It also assists with debt consolidation to help clients in their monthly payments and liabilities. The company website features access to online tools and calculators to guide clients in analyzing their mortgage options.

  • New Construction Mortgage
  • Commercial Mortgage
  • Purchase

300 East Esplanade Drive, Oxnard, CA 93036
WebsiteLicense: 1569054

Expertise.com Rating

Review Sources

Google
5.0 (46)
Yelp
4.0 (25)
Facebook
5.0 (6)

Why choose this provider?

Smart Home Mortgage is an Oxnard-based mortgage company that aims to help individuals and families get their desired homes and properties. The company is familiar with the diversity of its clientele's needs, so it has become passionate regarding the response to queries and the offer of quick online processes. Smart Home Mortgage offers both traditional loan products such as conventional, VA, FHA, jumbo, second home, and reverse mortgage loans. The company also offers other niche products like downpayment assistance.

  • New Construction

5740 Ralston St, Ste 300, Ventura, CA 93003, Ventura, CA 93003
WebsiteLicense: 1570216

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

CSMC Mortgage, which is located in Ventura, assists the financing needs of residents in Oxnard. Its team of mortgage specialists assists clients throughout the process, providing refinancing, purchasing, or construction lending assistance. They help clients understand their financing options, and the mortgage brokers have access to various lending resources, allowing them to find loan programs that will match clients' individual needs. CSMC Mortgage's team is committed to continuously providing progress updates during the home loan process.

  • Refinance

481 N Ventura Ave, Ventura, CA 93001
WebsiteLicense: 225908

Expertise.com Rating

Review Sources

Zillow
5.0 (69)
Yelp
5.0 (21)
Facebook
5.0 (9)

Why choose this provider?

American Pacific Mortgage is a direct mortgage broker, lender, and banker offering home financing solutions to Oxnard residents. Services include home purchase and refinance. It is dedicated to guiding clients throughout their home buying journey, customizing loans to their current situations. The company aims to be proactive and transparent in seeking the right products and providing its customers with appropriate resources. The company is licensed by the Financial Protection and Innovation under the CRMLA.

  • New Construction

360 Mobil Avenue, Camarillo, CA 93010
WebsiteLicense: 00986789

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Gary Alamin is a mortgage broker with Loan Production Office who caters to Oxnard and its surrounding areas. He focuses on customer service by walking clients through the entire loan process. He works with first-time, move-up, and seasoned home buyers, investment buyers, and refinancing homeowners. Moreover, he also assists seniors who are seeking reverse mortgages. With over 26 years of experience in the mortgage industry, Gary offers various options, such as apartment building, commercial, and construction loans.

  • New Construction
  • Refinance

6763 Sargent Lane, Ventura, CA 93003
WebsiteLicense: 1588551

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (6)

Why choose this provider?

Andrew Kunisawa is a home loan specialist who is affiliated with Accelerated Lending Group. Being an independent mortgage professional allows him to find suitable programs from different lenders, whether clients are purchasing their first or second homes, looking into renovating their properties, or buying investment or vacation residences. Jumbo, conventional, and non-QM loans are among the financing options Andrew offers. Furthermore, he helps clients apply for government-backed programs such as USDA RD, FHA, and VA loans.

  • Refinance

2775 Tapo Street, Simi Valley, CA 93063
WebsiteLicense: 353528

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Alameda Mortgage Corp. is a lender that serves clients in Oxnard. It offers a wide range of loan options for homeowners and homebuyers, including FHA, fixed-rate, and adjustable-rate mortgage loans, as well as mortgage refinancing. The company also specializes in resolving its clients' bankruptcy and foreclosure issues through debt consolidation, credit score improvement, and cash-out refinancing. Branch manager Mike Fisher and sales associate Jason Smith have been offering mortgage loans for more than 20 years.

  • Refinance
  • Multi-Family Loans

701 East Santa Clara Street, Ventura, CA 93001
WebsiteLicense: 1149844

Expertise.com Rating

Review Sources

Google
4.0 (50)
Facebook
5.0 (2)

Why choose this provider?

Teena Broumand Mortgage Broker-Associate is a team of mortgage professionals serving Oxnard. It is a local independent firm that provides clients with knowledge, technology, and experience in real estate financing, whether for buying a home, getting a renovation, or refinancing an existing loan. The loan programs it offers are VA, FHA, conventional, jumbo, bank statement, and USDA loans. The firm is a CMA Certified Mortgage Advisor and is a member of the Association of Independent Mortgage Experts.

  • Refinance

771 East Daily Drive, Camarillo, CA 93010
WebsiteLicense: 267895

Expertise.com Rating

Review Sources

Google
5.0 (46)
Yelp
3.5 (13)
Facebook
5.0 (4)

Why choose this provider?

Broadview Home Loans is a residential mortgage lender providing services to homeowners in Oxnard and its surrounding areas. It helps clients with a range of program options such as home purchase, refinance, and dignified reverse. The company’s representatives can also assist with complaints and general loan inquiries. Broadview Home Loans has online tools designed to serve customers before, during, and after the mortgage process. Jack Schakett, the firm’s CEO, has more than 35 years of industry experience.

  • Refinance

1500 Palma Dr 2nd fl, Ventura, CA 93003
WebsiteLicense: 1244162

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
5.0 (6)
Yelp
4.0 (5)

Why choose this provider?

MortgageCouch is a Ventura-based mortgage broker that serves clients in Oxnard. It offers a variety of mortgage loan options for homebuyers and homeowners who want to perform home repairs or those interested in mortgage refinancing. Mortgage loan officers Matthew Couch and Shelby Bishop have 10 years of experience in the mortgage industry. Matthew and Shelby have earned a reputation for their professionalism, reliability, and knowledge of the mortgage industry. A client praised the team's efforts in explaining the implications of obtaining a mortgage loan.

  • Refinance
  • Purchase Transactions

Oxnard, CA
WebsiteLicense: 316227

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

For over 40 years, Mister VA has been specializing in VA and Calvet home loans. Since its opening in 1978, it has been helping veterans and active servicemen in leveraging the VA home loan benefits. Its brokers guide them throughout the loan process, from establishing eligibility to the approval of the loan. Mister VA also has a certified military relocation professional who assists military families in going through all the federal red tape processes that are required to relocate.

  • New Construction
  • Refinance
  • Multi-Family Loans

1280 South Victoria Avenue, Ventura, CA 93003
WebsiteLicense: 402358

Expertise.com Rating

Review Sources

Yelp
5.0 (8)
Google
5.0 (5)

Why choose this provider?

Landmark Financial has been processing home loan applications in Oxnard since 1995. The mortgage business offers various loan programs such as adjustable-rate, fixed-rate, jumbo, reverse, and refinance. The company also helps individuals planning to invest in properties like apartments, condominiums, and commercial spaces. Its agents strive to find the proper mortgage plans that match clients' individual circumstances and financial goals. Pat Borton, one of its staff, has been navigating the mortgage market on behalf of her customers for 25 years.

  • Multi-Family Loans

500 East Esplanade Drive, Oxnard, CA 93036
WebsiteLicense: 1405008

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Bert Herrera is a mortgage loan originator at The Money Store, serving home buyers in Oxnard and the surrounding areas. For over 40 years, The Money Store has been helping its clients purchase and refinance homes and prepare for retirement. It offers different mortgage loans available to first-time homeowners and reverse mortgage borrowers. The full-service mortgage lender has a website and a mobile app for online application processes. The Money Store is an Equal Housing Lender and a member of the Mortgage Bankers Association.

  • Refinance

138 North 10th Street, Santa Paula, CA 93060
WebsiteLicense: 248302

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (1)

Why choose this provider?

Triple C Mortgage, Inc., assists borrowers in securing loans for home purchasing or refinancing in Oxnard. Its team of mortgage professionals assesses various types of home loans to ensure clients have the appropriate loan for their needs. Its mortgage rate options include fixed-rate, adjustable-rate, interest-only, and graduated payments. In addition, it offers loan programs such as FHA, VA, USDA, and jumbo loans. The firm values honesty and competence, pledging to help customers afford their dream home.

  • Refinance

Oxnard, CA 93036
WebsiteLicense: 234626

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (1)

Why choose this provider?

Frank Salazar is a mortgage professional and branch manager with GEM Mortgage. He provides families and individuals in Oxnard and surrounding areas, with a variety of loan programs for the purchase of new homes. He specializes in providing government-backed loans, such as FHA, VA, USDA, and jumbo loans. Salazar and his team also assist clients in purchase, rate, and term mortgage refinancing and cash-out refinance programs. Investors can also avail of Salazar's assistance in portfolio and investor products.

  • Refinance

3140 Telegraph Road, Ventura, CA 93003
WebsiteLicense: 482903

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Zillow
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Juan Jimenez of Capital Mortgage Services assists the needs of residents in Oxnard. He provides a number of financing options for clients purchasing homes for the first time and homeowners looking into refinancing existing loans. These include reverse, jumbo, conventional, USDA, and 15- and 30-year fixed mortgages. Jimenez also helps clients close loans within 30 days. The mortgage consultant, who has nearly 20 years of industry experience, has been part of Capital Mortgage Services since 2015.

  • New Construction

500 East Esplanade Drive, Oxnard, CA 93036
WebsiteLicense: 472110

Expertise.com Rating

Review Sources

Facebook
4.0 (141)
Google
5.0 (8)

Why choose this provider?

Based in Oxnard, Claudia Sandoval is the branch manager of the local operations of The Money Store, a full-service mortgage bank that has been helping clients with home loans and refinancing for the past 40 years. Claudia is a practicing mortgage broker with 18 years of industry experience. She started as a mortgage broker when she herself was looking for a house and now helps clients acquire customized mortgage products that have competitive amortization rates and manageable payment terms.

  • Purchase Transactions

300 North Lantana Street, Camarillo, CA 93010
WebsiteLicense: 294374

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Yelp
5.0 (1)
Realtor
5.0 (1)

Why choose this provider?

Lee & Jackson Financial Services, Inc., has been providing real estate financing services, home loan programs, and escrow services to Oxnard. The company helps residential and commercial real estate clients to find a loan that will fit their budget and needs. Some of the products it offers include conventional loans, commercial loans, VA loans, FHA loans, and VHA 203K loans. It also deals with low-cost commercial mortgages such as retail space properties, mixed-use properties, and vacant land. Lee & Jackson has been in operation for over 20 years.

  • Commercial Loans

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Loan Warehouse
183 Montgomery Avenue, Oxnard, CA 93036
Smart Home Mortgage
300 East Esplanade Drive, Oxnard, CA 93036
CSMC Mortgage - Ventura
5740 Ralston St, Ste 300, Ventura, CA 93003, Ventura, CA 93003
American Pacific Mortgage
481 N Ventura Ave, Ventura, CA 93001
Gary Alamin
360 Mobil Avenue, Camarillo, CA 93010
Andrew Kunisawa
6763 Sargent Lane, Ventura, CA 93003
Alameda Mortgage Corp.
2775 Tapo Street, Simi Valley, CA 93063
Teena Broumand Mortgage Broker- Associate
701 East Santa Clara Street, Ventura, CA 93001
Broadview Home Loans
771 East Daily Drive, Camarillo, CA 93010
Mortgagecouch
1500 Palma Dr 2nd fl, Ventura, CA 93003
Mister VA
Oxnard, CA
Landmark Financial
1280 South Victoria Avenue, Ventura, CA 93003
Bert Herrera
500 East Esplanade Drive, Oxnard, CA 93036
Triple C Mortgage, Inc.
138 North 10th Street, Santa Paula, CA 93060
Frank Salazar
Oxnard, CA 93036
Juan Jimenez
3140 Telegraph Road, Ventura, CA 93003
Claudia Sandoval
500 East Esplanade Drive, Oxnard, CA 93036
Lee & Jackson Financial Services, Inc.
300 North Lantana Street, Camarillo, CA 93010

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.