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Fillmore is a small citrus town in the Santa Clara River valley whose downtown was rebuilt after the 1994 Northridge earthquake and is now a regular film location.
Explore mortgage options in Fillmore, Ventura 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.
Valley prices inland from the coast
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
The Santa Clara valley is a different market entirely. Get pre-approved and see what it buys.
The rebuilt commercial street with period buildings and the houses behind them.
Orange and lemon groves fill the valley floor around the town.
The northern side toward the creek and the mountains beyond it.
* 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.
Homebuyers in Fillmore weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Ventura County in Southern California, Fillmore moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Fillmore buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Fillmore borrowers frequently compare options against nearby communities such as Camarillo, Moorpark, Ojai.
Updated 9/8/2026
Ventura Ca Fillmore is updated daily with practical mortgage guidance for this page.