The Best Mortgage Lenders in Agoura Hills, CA
Compare verified mortgage lenders serving Agoura Hills, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Agoura Hills
Featured Mortgage Lenders
New American Funding
New American Funding
New American Funding is a top-rated mortgage lender with a strong local presence in the Conejo Valley, serving Agoura Hills directly from their Newbury Park office. They are highly regarded for their competitive rates, exceptional customer service, and diverse loan options, including specialized programs for first-time homebuyers and veterans. With an A+ BBB rating and numerous industry awards, they have built a reputation for reliability and transparency, often praised for their efficient loan processing and personalized guidance throughout the mortgage journey.
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Guaranteed Rate
Guaranteed Rate
Guaranteed Rate is a nationally recognized mortgage lender with a robust presence in the Los Angeles area, including Agoura Hills. They are known for their innovative digital platform, which streamlines the application process, and their commitment to competitive pricing and low fees. Customers frequently highlight their responsive loan officers and smooth closing experiences. With decades of experience and high customer satisfaction scores, they offer a wide range of loan products and are particularly noted for their jumbo and refinance options in California's competitive market.
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American Pacific Mortgage
American Pacific Mortgage
American Pacific Mortgage is a well-established regional lender with deep roots in Southern California, including dedicated service to Agoura Hills from their Thousand Oaks branch. They excel in providing personalized mortgage solutions with a focus on community engagement and customer education. Their team is praised for expertise in handling complex loan scenarios and offering competitive rates. With a strong track record of integrity and high referral rates, they are a trusted choice for homebuyers seeking local expertise combined with national resources.
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Frequently Asked Questions
Common questions about mortgage lending in Agoura Hills, CA
What are the current mortgage rates like for homes in Agoura Hills, CA?
Mortgage rates in Agoura Hills are competitive with national averages but can be influenced by the area's high property values. As of late 2023, rates for 30-year fixed mortgages typically range from 6.5% to 7.5% for well-qualified buyers. It's important to shop around with both local and national lenders, as some may offer special programs for California's high-cost areas.
Are there any special loan programs for first-time homebuyers in Agoura Hills?
Yes, Agoura Hills buyers can access California Housing Finance Agency (CalHFA) programs which offer down payment assistance and favorable terms for first-time buyers. Additionally, some local lenders participate in the CalHFA Zero Interest Program (ZIP) which provides a deferred-payment junior loan. Given Agoura Hills' high median income, buyers should verify they meet income limits for these programs.
How do Agoura Hills' wildfire risks affect mortgage lending and insurance requirements?
Due to Agoura Hills' location in a high fire severity zone, lenders typically require specific wildfire insurance coverage, which can be more expensive and harder to obtain. Some lenders may have additional requirements for properties in designated fire zones, and you may need to budget 1-2% of your home's value annually for adequate insurance coverage.
What jumbo loan considerations should I be aware of when buying in Agoura Hills?
Given Agoura Hills' median home price exceeds $1.2 million, most buyers will need jumbo loans. These typically require higher credit scores (700+), larger down payments (often 20-25%), and more extensive documentation than conventional loans. Local lenders familiar with the Conejo Valley market often have more flexible jumbo loan criteria than national banks.
Are there any local property tax considerations that affect mortgage payments in Agoura Hills?
Yes, Agoura Hills property taxes typically range from 1.1% to 1.25% of the purchase price, plus potential voter-approved bonds and Mello-Roos fees in newer developments. Your mortgage lender will calculate these into your monthly payment through an escrow account. It's important to review the property's tax history and any special assessments during your due diligence period.
Nearby Cities
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Why Choose a Mortgage Lender in Agoura Hills?
Local Market Knowledge
Lenders who understand Agoura Hills's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in California.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Agoura Hills and get competitive rates on your home loan.