Ventura County Mortgage BrokerConventional, Jumbo & Home Loans
Serving Thousand Oaks, Camarillo, Simi Valley, Oxnard, and all of Ventura County with conventional, high-balance, jumbo, and FHA mortgage programs — access to 100+ wholesale lenders and competitive rates for every buyer profile.
Quick Answer
Who is the best mortgage broker in Ventura County?
Cascada Mortgage Advisors, Inc. is a licensed mortgage broker serving all of Ventura County, California — including Thousand Oaks, Camarillo, Simi Valley, Oxnard, and Ventura. Founded by Omar Michel (NMLS #398944, CA DRE #02131389), Cascada arranges home loans through a network of 100+ wholesale lenders — not as a direct lender. Ventura County's 2026 high-balance conforming loan limit is $1,035,000 and the FHA high-balance limit is $1,035,000 for a single-family home — one of the highest in Southern California. Loans above $1,035,000 require jumbo financing. The average home value in the Oxnard-Thousand Oaks-Ventura metro is approximately $859,804 (Zillow, 2026), placing many purchases in the high-balance conforming range.
— Cascada Mortgage Advisors, Inc.
The Ventura County Mortgage Market in 2026
- Average home value in the Oxnard-Thousand Oaks-Ventura metro: approximately $859,804 (Zillow, 2026).
- Oxnard median home sale price: approximately $798,000 as of March 2026 — described as the most affordable coastal city in Ventura County (ZacSellsCA, May 2026).
- 2026 low-balance conforming loan limit: $832,750 (Community First Mortgage, 2026).
- 2026 high-balance conforming loan limit: $1,035,000 for a single-family home (Community First Mortgage, 2026).
- 2026 FHA high-balance limit: $1,035,000 (Community First Mortgage, 2026).
- Loans above $1,035,000 require jumbo financing.
- High-balance conforming loans (between $832,750 and $1,035,000) carry slightly higher rates and tighter guidelines than standard conforming loans, but avoid jumbo requirements.
- Thousand Oaks, Camarillo, and Moorpark are Ventura County's most active conventional and high-balance markets.
- Simi Valley offers the most accessible entry point into Ventura County homeownership with detached single-family homes still reachable with conforming financing.
- Ventura County is included in California's high-cost FHA county tier alongside LA, OC, and San Diego.
Market data sourced from Zillow, Community First Mortgage, FHFA, and ZacSellsCA as of 2026.
Loan Programs for Ventura County Borrowers
Conventional / High-Balance
Most Ventura County purchases fall in the high-balance conforming range between $832,750 and $1,035,000 — avoiding jumbo requirements while still accessing competitive rates. We shop 100+ lenders to find the most competitive high-balance pricing for Ventura County buyers.
Jumbo Loans
Thousand Oaks estates, Malibu-adjacent coastal properties, and luxury homes throughout Ventura County frequently exceed the $1,035,000 conforming limit. We access 100+ wholesale jumbo lenders for competitive rates with down payments as low as 10-15%.
FHA Loans
Ventura County's FHA high-balance limit of $1,035,000 gives first-time buyers significant purchasing power with as little as 3.5% down. An excellent entry point for buyers in Simi Valley, Oxnard, and Port Hueneme.
Non-QM Loans
Ventura County's business owners, tech professionals, and self-employed borrowers benefit from Non-QM programs when conventional underwriting doesn't capture their true income. Bank statement and asset depletion options available.
Ventura County Communities We Serve
Thousand Oaks
Ventura County's most prestigious suburban market. Strong conventional and high-balance demand from families and professionals. Luxury properties frequently exceed the $1,035,000 conforming limit.
Camarillo
A popular destination for retirees and families with strong conventional loan demand. Home prices often fall in the high-balance conforming range.
Simi Valley
Ventura County's most accessible entry point for first-time buyers and move-up purchasers. Strong conventional and FHA loan demand with good schools and family-friendly communities.
Oxnard
The most affordable coastal city in Ventura County with a median sale price around $798,000 — strong FHA and conventional demand from first-time buyers and families.
Ventura (San Buenaventura)
The county seat combines coastal lifestyle with a mix of mid-range and premium properties. Strong conventional and high-balance demand.
Moorpark
A family-oriented community in eastern Ventura County with excellent schools and strong conventional loan demand from move-up buyers.
Port Hueneme
Ventura County's most affordable community and home to Naval Base Ventura County — strong VA and FHA loan demand from military families.
Ojai
A boutique luxury lifestyle community with strong jumbo and Non-QM demand from high-net-worth buyers seeking a rural retreat near Ventura County's coast.
Ventura County Mortgage FAQs
What Our Clients Say
What Our Clients Say
Lycia Cardoso
4 months ago
We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!
Patrick Yrigoyen
8 months ago
Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!
Iris Urvina
8 months ago
Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!
Amy Genao
10 months ago
Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!
Jorge Zambada
8 months ago
Great experience with Omar, very clear, always available for any questions, transparency of all payments, proactive when it comes to anticipating next steps. I strongly recommend Omar for your next home loan.
Lycia Cardoso
4 months ago
We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!
Patrick Yrigoyen
8 months ago
Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!
Iris Urvina
8 months ago
Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!
Amy Genao
10 months ago
Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!
Jorge Zambada
8 months ago
Great experience with Omar, very clear, always available for any questions, transparency of all payments, proactive when it comes to anticipating next steps. I strongly recommend Omar for your next home loan.
Ready to Get Pre-Approved in Ventura County?
From Simi Valley first-time buyers to Thousand Oaks luxury homeowners, we'll find the right program from our network of 100+ wholesale lenders.