Mortgage Programs

Popular Camarillo - Ventura County Home Loan Options

Whether you are looking for a first-time homebuyer’s loan in Camarillo - Ventura County, fixing up a bank owned foreclosure property or tapping into your equity with a cash-out refinance, Skyline Financial has the mortgage programs to fund your next home loan.

There are several CA mortgage programs available to choose from and each one was established with specific types of lending scenarios in mind. Each program has it’s own eligibility guidelines to follow, which includes down payment, credit profile, residency type, property type, employment history and income ratios.


HARP Refinance Program

CA HARP Refinances
The CA Home Affordable Refinance Program (HARP) also known as HARP 2.0, DU Refi Plus or the Obama Refinance Program is designed to assist Camarillo - Ventura County homeowners with refinancing their mortgage when the value of their home has declined. The HARP Program is a federal program of the United States originally set up by the Federal Housing Finance Agency (FHFA) in March 2009 under President Obama’s Making Home Affordable Program to help underwater and near-underwater homeowners refinance their mortgages.

VA Home Loans

CA VA Home Loans
The VA Loan, Veterans’ Association, established in 1944, is a mortgage loan issued by approved lenders and guaranteed by the VA. Since it began, the VA Loan program has helped place more than 20 million veterans and their families into an affordable low down payment home loan.

Reverse Senior Loans

CA Reverse Senior Loans
The Home Equity Conversion Mortgage (HECM) is a popular reverse mortgage program insured by the FHA and designed to give homeowners 62 years or older the ability to qualify for a mortgage loan based on a ratio between their age and equity. Mortgage payments are deferred until the last person leaves the home as their primary residence, and there is even an option to receive monthly or a lump-sum cash benefit to the borrower to help cover living expenses.

FHA Mortgage Programs

CA FHA Loans
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). What that means is that the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments. FHA loans in CA typically have less restrictive eligibility requirements allowing borrowers to qualify with a lower down payment and more flexible credit history guidelines.

USDA Home Loans

CA USDA Home Loans
The USDA home loan program does not have a minimum credit score requirement set for Camarillo - Ventura County borrowers to be considered eligible, but allows up to 100% financing with zero down payment. Insured by the U.S. Department of Agriculture, USDA mortgage loans are made specifically for properties in lower population counties and/or zip codes that are classified as rural areas.

Sean Nowak / NMLS# 313075

Sean is a mortgage lender in Camarillo - Ventura County and is available at (805) 732-9022 if you have questions about home loans or mortgage programs in CA.

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Pixona has a business relationship with Skyline Financial Corp. (“Skyline”). Pixona creates co-branded websites for Skyline and Krista Nowak. Skyline and Krista Nowak compensate Pixona for this service. You are not required to use Skyline or Krista Nowak’s services as a condition to the purchase or sale of a home or other property. There are other mortgage lenders that may be able to offer you a mortgage loan. You are free to shop around to determine that you are receiving the mortgage rates and terms that fit your needs. Your choice of a mortgage lender or realtor will not affect current or future services and products provided to you by these unaffiliated entities.

Skyline Financial Corp. is not affiliated with Krista Nowak or their brokerage. Each is solely responsible for the products and services it offers.

Skyline Financial Corp. dba Skyline Home Loans, Nationwide Mortgage Licensing System (NMLS) Company ID# 12072. Arizona Mortgage Banker License #927740, Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act File No: 4130296, Georgia Residential Mortgage Licensee, Illinois Residential Mortgage Licensee, Licensed by the New Hampshire Banking Department License #19536-MB, Ohio Broker/Banker Registration #MBMB-850231-000, Oregon Mortgage Lender License ML-2797, Washington Consumer Loan Company License CL-12072. Refer to www.nmlsconsumer.org and input NMLS#12072 to see where Skyline Financial Corp. is a licensed lender.