Perfect for First-Time Homebuyers

Own Your Home
With Just 3.5% Down

FHA loans make homeownership possible with low down payments, flexible credit requirements, and competitive rates. Start your journey in Ventura County today.

3.5%
Min Down
580
Min Credit
24hr
Pre-Approval
(805) 393-6278
No Prepayment Penalty
Gift Funds Allowed
Local Expert

Why Choose FHA Loans?

Designed to make homeownership accessible with flexible requirements and competitive terms

Just 3.5% Down

Start your homeownership journey with minimal upfront costs

Credit Score 580+

Flexible credit requirements for real people

Lower Rates

Competitive interest rates that save you money

Gift Funds OK

Family can help with your down payment

Fast Approval

Get pre-approved in as little as 24 hours

Assumable Loans

Transfer your loan to future buyers

Updated Daily

Today's FHA Rates

Competitive rates for Ventura County homebuyers

Most Popular
30-Year Fixed
6.875%
7.125% APR
Est. Monthly Payment
$2,631/mo
On $400k loan
Save $$$
15-Year Fixed
6.250%
6.500% APR
Est. Monthly Payment
$3,438/mo
On $400k loan
Best Rate
30-Year Fixed
6.625%
6.875% APR
Est. Monthly Payment
$2,567/mo
On $400k loan

Rates shown are estimates. Your actual rate may vary based on credit score, loan amount, and other factors.
Call (805) 393-6278 for a personalized quote.

Your Path to Homeownership

A simple, transparent process from application to closing

01

Get Pre-Approved

1 Day

Quick online application. Know your budget in 24 hours.

02

Find Your Home

2-4 Weeks

Shop with confidence knowing your financing is ready.

03

FHA Appraisal

1 Week

Professional inspection ensures your home meets standards.

04

Final Approval

2-3 Weeks

Our team handles all the paperwork and details.

05

Close & Celebrate

1 Day

Sign documents, get your keys, move into your new home!

Ready to Get Started?

Get pre-approved in 24 hours and start shopping with confidence

Calculate Your Payment

See what your monthly mortgage payment could look like

Mortgage Payment Calculator

$
$

Additional Monthly Costs

$
$
$

Estimated Monthly Payment

$0

Principal & Interest + Taxes + Insurance + HOA
Loan Amount$400,000
Total Payment$0
Total Interest$0

Monthly Payment Breakdown

Principal & Interest$2,661
Property Tax$500
Home Insurance$150

Common Questions

Everything you need to know about FHA loans

Let's Make It Happen

Your Dream Home
Starts Here

Join hundreds of Ventura County families who've achieved homeownership with FHA loans. Get pre-approved today and start your journey.

Serving All of Ventura County
24-Hour Pre-Approval
Local Expertise

Ready to get pre-approved in 24 hours?

No credit impact • Free rate quote