The Best Mortgage Lenders in Fillmore, CA
Compare verified mortgage lenders serving Fillmore, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Fillmore
Featured Mortgage Lenders
Ventura County Credit Union Mortgage Department
Ventura County Credit Union
Ventura County Credit Union stands out as one of the highest-rated mortgage lenders serving Fillmore and surrounding Ventura County. As a local financial institution with deep community roots, they offer personalized service and competitive rates that often beat larger national banks. Their mortgage team specializes in helping first-time homebuyers and offers comprehensive guidance through the entire homebuying process. With exceptional customer satisfaction ratings and local decision-making, they provide a seamless mortgage experience tailored to Ventura County's unique real estate market.
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Guild Mortgage - Ventura Office
Guild Mortgage Company
Guild Mortgage's Ventura office has established itself as a top-rated mortgage provider serving Fillmore and the broader Ventura County area. With over 60 years in the mortgage industry, Guild combines national resources with local expertise. Their experienced loan officers are known for exceptional customer service and finding creative solutions for complex financing situations. They excel at guiding clients through competitive markets and offer a wide range of loan products with competitive rates. The company consistently receives high marks for communication and closing loans on time.
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Rocket Mortgage
Rocket Mortgage by Quicken Loans
As America's largest mortgage lender, Rocket Mortgage provides exceptional digital mortgage services to Fillmore residents with their user-friendly online platform and highly efficient process. While not locally based, they consistently earn top ratings for their competitive rates, streamlined application process, and excellent customer support. Their digital-first approach allows for quick pre-approvals and efficient loan processing, making them particularly appealing to tech-savvy homebuyers. With extensive experience and massive review volume demonstrating consistent customer satisfaction, they offer reliable mortgage solutions with the convenience of 24/7 online access and dedicated mortgage experts.
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Frequently Asked Questions
Common questions about mortgage lending in Fillmore, CA
What are the current mortgage rates like for homes in Fillmore, CA?
Mortgage rates in Fillmore typically align with national averages but can vary based on property type and location within Ventura County. Currently, rates for 30-year fixed mortgages range from 6.5% to 7.25% depending on credit score and loan type. Local lenders familiar with Fillmore's market may offer competitive rates, especially for properties in the city's historic district or newer developments.
Are there any special loan programs for first-time homebuyers in Fillmore?
Yes, Fillmore homebuyers can access several programs including the California Housing Finance Agency's CalHFA programs and Ventura County's Homebuyer Assistance Program. These programs offer down payment assistance and favorable terms for qualifying buyers. Additionally, some local credit unions offer special first-time buyer programs specifically for Ventura County residents.
How does Fillmore's rural location affect mortgage lending requirements?
Fillmore's designation as a rural area makes some properties eligible for USDA loans, which offer 100% financing with no down payment required. However, lenders may require additional inspections for properties in more remote areas of Fillmore, and some properties might need septic system evaluations since not all areas are connected to municipal sewer systems.
What should I know about property taxes and insurance when getting a mortgage in Fillmore?
Fillmore property taxes typically range from 1.1% to 1.25% of the purchase price, plus any local bond measures. Homeowners insurance may be slightly higher than urban areas due to wildfire risk in surrounding hills, and flood insurance might be required for properties near the Santa Clara River. Your lender will help calculate these costs for your mortgage payment.
Are there any local down payment assistance programs specific to Fillmore homebuyers?
While Fillmore doesn't have city-specific programs, Ventura County offers the Mortgage Credit Certificate program that provides tax credits for first-time buyers. Some local employers like Fillmore Unified School District and city government may offer housing assistance programs for employees. Additionally, several state programs are accessible to Fillmore residents seeking down payment help.
Why Choose a Mortgage Lender in Fillmore?
Local Market Knowledge
Lenders who understand Fillmore'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 Fillmore and get competitive rates on your home loan.