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Loan Center
Overview

Products

More than likely, this is one of the largest and most important financial transactions you will ever make. You might only shop for a mortgage a few times in your life… but we do this every day! It’s your home and your future. It’s our profession and our passion. We are here and ready to work for your best interest.

Here some details on the mortgage products we offer:

Residential First Mortgages

Primary Residence, Second Home, 1-4 Unit Investment Property

Conventional Fixed Rate

  • Loan amounts up to $417,000; fully amortized terms of 30, 25, 20, 15 & 10 years
  • FNMA High Balance to $598,000 for Ventura County

Investor Jumbo Loans

  • Loan amount from $417,001 to $2,000,000; fully amortized terms of 30 & 15 year fixed rates
  • 30 year amortized Hybrid ARMs fixed for 5, 7 & 10 years, then adjusted yearly

Banks Portfolio Loans

  • Loan amounts up to $2,500,000; Fixed for 7 years, 30 year amortization
  • 30 year amortization; due in 10 years, fixed for the first 5 years, adjusts annually years 6-10

Contact us at (805) 633-2061 or email: mortgage@ojaicommunitybank.com.

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