Ventura County
Ventura Mortgage Broker.
Mortgage lending in Ventura — coastal single-family and investment financing.
Elite Fundings · NMLS #2046870 · CA DRE #02004333
About the Ventura market
Coastal and near-coastal SFR mix. Jumbo common in Pierpont and hillside neighborhoods.
Neighborhoods we serve in Ventura
Common ZIP codes: 93001, 93003, 93004.
Programs that fit Ventura best
Jumbo
Prime Jumbo
Full-doc jumbo above the 2026 county limit. Los Angeles and Orange: over $1,249,125.
View program
Agency Fixed-Rate
Conventional 30-Year Fixed
The most common mortgage in America. Fixed rate and payment for 30 years, conforming to Fannie Mae / Freddie Mac guidelines. Available for primary residences, second homes, and investment property purchases.
View program
DSCR
DSCR Rental Loan
Qualify a rental property on the property's own cash flow — no personal income documentation.
View program
DSCR
Short-Term Rental DSCR (Airbnb)
DSCR loan using projected short-term rental income (AirDNA or 12-month Airbnb/VRBO history).
View program
FAQs — Ventura mortgage financing
- Does Elite Fundings work with Ventura homebuyers?
- Yes — Ventura is part of our Southern California service area. Elite Fundings is licensed throughout California (NMLS #2046870, CA DRE #02004333). Call (626) 833-7449 to discuss your scenario.
- What neighborhoods in Ventura do you serve?
- Across all of Ventura — including Downtown Ventura, Midtown, East Ventura, Pierpont. Common ZIP codes: 93001, 93003, 93004.
- What loan programs work well in Ventura?
- Coastal and near-coastal SFR mix. Jumbo common in Pierpont and hillside neighborhoods. The programs that fit best locally include: Prime Jumbo, Conventional 30-Year Fixed, DSCR Rental Loan, Short-Term Rental DSCR (Airbnb).
This site does not quote a rate or APR you can lock. A rate, APR, and terms depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors, and come from a licensed loan officer. Not all applicants will qualify.