Ventura County, CA

    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.

    (619) 370-0889

    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.

    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

    Google Reviews
    Lycia Cardoso

    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

    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

    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

    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

    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

    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

    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

    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

    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

    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.

    (619) 370-0889

    Licensing

    NMLS ID#: 398944 | CA DRE ID#: 02131389

    Cascada Mortgage Advisors, Inc.

    NMLS ID#: 2470941 | CA DRE ID#: 02206556

    www.nmlsconsumeraccess.org

    CA Dept of Real Estate License Verification

    Quick Links

    Contact Us

    Cascada Mortgage Advisors, Inc.

    4025 Camino del Rio S, Suite 300

    San Diego, CA 92108

    Phone: 619-370-0889

    Email: Omar@CascadaMortgageAdvisors.com

    © 2026 Cascada Mortgage Advisors, Inc. All rights reserved.

    Cascada Mortgage Advisors, Inc. is licensed by the California Bureau of Real Estate, Broker DRE # 02206556. NMLS ID# 2470941. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional, and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Cascada Mortgage Advisors, Inc. is an Equal Opportunity Mortgage Broker. As a broker, Cascada Mortgage Advisors, Inc. is NOT individually approved by the FHA or HUD, but Cascada Mortgage Advisors, Inc. is allowed to originate FHA loans based on their relationships with FHA approved lenders.