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Malibu runs twenty-one miles along the coast, and since the 2018 and 2025 fires the insurance conversation now comes before the financing one on almost every purchase.
Explore mortgage options in Malibu, Los Angeles County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Coast and canyon, priced apart
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Get the insurance answer first. We will pull it alongside the financing before you write.
A gated stretch of beachfront houses, the oldest exclusive address on the coast.
A headland of large lots above the water with the widest ocean views in the city.
A private cove with a mix of beach houses and mobile homes on leased land.
A row of beachfront houses whose prices set records on a regular basis.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Buying a home in Malibu starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Los Angeles County anchors this corner of Southern California's housing market, and Malibu reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Malibu span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Malibu borrowers frequently compare options against nearby communities such as Agoura Hills, Alhambra, Arcadia.
Updated 9/8/2026
Los Angeles Ca Malibu is updated daily with practical mortgage guidance for this page.