Home Loans in Ventura County

Know your loan before you fall for a house.

I am a real estate agent and a licensed loan officer, so I can tell you which loan fits before you write an offer. My lending team handles the loan itself. From Oxnard and Ventura to Camarillo, Simi Valley and Thousand Oaks, answer the questions in the quote and I will send you your options.

  • No credit pull, no obligation
  • Options from 30+ lenders
  • Buy or refinance
  • Hablo español

Edgar Limon

Loan officer, NMLS #2256286 · REALTOR®, DRE #02225743

Rather talk? Call or text 805.399.4636

More about me

Free loan quote, no credit pull

Find the loan that fits you

Step 1 of 13

What would you like to do?
What type of home is it?
Where are you in the buying process?
How will you use the home?
Have you served in the U.S. military, or are you the surviving spouse of someone who did?

VA home loans are a benefit many veterans, service members and some surviving spouses have earned. This helps me check whether it fits you.

Is this your first home?

First-time buyers often have extra programs to look at, including down payment help.

About how much is the home you want?

A best guess is fine.

What do you think your home is worth today?

A best guess is fine.

What type of loan do you have now?

FHA and VA loans can sometimes refinance with less paperwork.

About how much are you planning to put down?

A best guess is fine.

Many programs allow a smaller down payment than people expect. Putting more down can lower your monthly cost and mortgage insurance, but it is not required.

About how much do you still owe on your mortgage?

A best guess is fine.

What is the interest rate on your current mortgage?

It is on your mortgage statement. A best guess is fine.

Do you have a second mortgage or HELOC?
Would you like to take cash out?

Leave it at $0 if you only want to refinance.

How do you earn your income?
What is your household income before taxes?

Your best guess for everyone on the loan, per year.

What is your credit score, roughly?

Your best guess is fine. Nothing here pulls your credit.

What ZIP code is the home in?

Still shopping? Use the area you like best. I am licensed in California.

Where should I send your options?
Preferred language
Best way to reach you

By selecting Send my quote request, I agree that Edgar Limon (NMLS #2256286) may call and text me at the number above about my loan request and my home plans, including by automated means. Consent is not a condition of any purchase or loan, and I can call 805.399.4636 instead. Message and data rates may apply. Message frequency varies. Reply STOP to opt out or HELP for help. Privacy Policy and Terms.

No credit pull and no obligation. This is not a commitment to lend. Edgar Limon, NMLS #2256286, 21st Century Lending, NMLS #241835. Equal Housing Lender.

Thank you. Your quote request is in.

You usually hear back within 2 hours, 8am to 7pm every day. Nothing here pulled your credit, and there is no obligation.

Need an answer sooner? Text me at 805.399.4636.

While you waitHow pre-approval worksDown payment helpClosing costs

Start with your situation

Which type of home loan fits you?

You do not need to know the program name. Pick the situation that sounds like you, read the guide, or send me your answers and I will narrow it down.

Comparing the big three? Read Conventional vs FHA vs VA loans.

What happens next

What happens after you send it

A quote is not a credit application or a pre-approval. It is a conversation about your options, with no obligation.

Start my quote

  1. Your answers are compared across 30+ lenders

    My lending team works with over 30 lenders, so you are not limited to one bank’s programs. You usually hear back within 2 hours, 8am to 7pm every day.

  2. You get your options in plain English

    By call, text or email, whichever you picked, in English or Spanish. What fits, what to watch for, and what I would do next.

  3. Pre-approval when you are ready

    When you want to shop with a letter, we move to pre-approval. Only then, and only with your permission, is your credit checked.

Guides and resources

Home loan resources

Everything I have written about financing a home in Ventura County, in one place. Read at your own pace, and send me a quote request when you want answers for your own situation.

Loan programs

Special situations

First-time buyer help

Costs and process

Also for you: Healthcare workers Downsizing and bridge financing

En español: Préstamos VA Préstamos con ITIN Ayuda con el enganche Requisitos para comprar

“They were especially helpful with navigating the VA loan process, answering all of our questions, and keeping us informed every step of the way.”

Alejandro & Rosemary · VA buyers · Google review

Read all success stories

Questions before you start

1. Will this pull my credit?

No. The quote uses only the answers you give me. Nothing here checks or pulls your credit. If you later decide to get pre-approved, that step does include a credit check, and only with your permission.

2. Is a quote the same as a pre-approval?

No. A quote is a first look at the loan options that fit your answers. A pre-approval comes later, when my lending team reviews your documents and, with your permission, your credit. Here is how pre-approval works.

3. Do I have to use you as my real estate agent too, or use your lending company?

No. My main focus is the real estate side, and I usually refer the loan to my lending team at 21st Century Lending. I still keep a close eye on the loan details, because most clients feel more comfortable asking their real estate agent those questions. You can work with any agent and any lender you choose, my lending team or a different lender altogether, and whenever both roles are involved, I disclose that to you in writing. My focus is you as the client.

4. What if my credit needs work?

Send the quote anyway. Some programs are more flexible on credit than people expect, and if you are not ready yet, I will tell you what to work on first. My pre-approval guide covers credit basics. My lending team can also connect you with a credit specialist who can build a plan with you. How quickly a score improves depends on your own credit history, so results and timelines vary.

5. Can we do this in Spanish?

Sí, claro. Choose Español on the last step of the quote and I will follow up in Spanish, by call, text or email, whichever you prefer.

6. Which loan is best for me?

It depends on four or five things: the home you want, how you will use it, how you earn your income, your credit, and whether you have served. Those are the questions in the quote. For a side-by-side look at the three most common loans, read Conventional vs FHA vs VA loans.

No credit pull, no obligation

Start your free loan quote.

Start my quote

Call or text 805.399.4636 Ready for pre-approval? Start here

Licensing and disclosures

Edgar Limon, REALTOR®, CA DRE #02225743, with Century 21 Masters. Each office is independently owned and operated. Mortgage loan originator, NMLS #2256286, with 21st Century Lending, NMLS #241835, a division of Full Realty Services, Inc. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law. Loans made or arranged pursuant to a California Financing Law license. Verify licenses at NMLS Consumer Access.

Century 21 Masters and 21st Century Lending are affiliated companies. You are not required to use 21st Century Lending, or any particular lender, as a condition of working with me, and if I act as both your agent and your loan officer, I disclose both roles and how I am paid to you in writing. I am not affiliated with or endorsed by the U.S. Department of Veterans Affairs, HUD, USDA or any government agency.

This page is general information, not a commitment to lend, and not tax or legal advice. All loans are subject to credit approval, eligibility, appraisal and property requirements. Programs can change. Equal Housing Opportunity. Equal Housing Lender.