Ventura County Home Loans

Ventura County Home Loans Review

Ventura County Home Loans is offered by Ventura County Credit Union (NMLS #700409), a credit union founded in 1950 and based in Ventura, CA. Ventura County Home Loans are available in 50 states (and Washington, DC).

Key Takeaways

• Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
• Only primary residences considered. Ventura County Home Loans does not offer financing for vacation homes or investment properties.
• Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Ventura County Home Loans Pros & Cons

Ventura County Home Loans FAQ

How much can you borrow via Ventura County Credit Union?

Ventura County Home Loans allows borrowers to apply for loan amounts of up to $1,500,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with Ventura County Home Loans?

Ventura County Home Loans offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does Ventura County Credit Union offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Ventura County Home Loans offers home loans with APRs starting at 6.195% and up to 7.394%.

Do they charge mortgage origination fees?

Yes, Ventura County Home Loans may charge a loan origination fee.

What is the customer service phone number?

The customer service number for Ventura County Home Loans is (805) 477-4000.

What is the support contact email?

The support contact email for is cuadmin@vccuonline.net .