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Oxnard is the largest city in Ventura County, with a harbor of canal homes, a naval base beside it and the most productive strawberry ground in the state around it.
Explore mortgage options in Oxnard, 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.
Harbor, downtown and plain, priced apart
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
VA financing asks nothing down. Let us show you what it looks like on an Oxnard house.
The old commercial core with the plaza, the civic buildings and the oldest housing.
A harbor development of canal homes and condos with private docks.
The farm ground on the plain, in strawberries and vegetables year-round.
* 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 Oxnard starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Ventura County anchors this corner of Southern California's housing market, and Oxnard reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Oxnard span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Oxnard borrowers frequently compare options against nearby communities such as Camarillo, Fillmore, Moorpark.
Updated 9/27/2026
Ventura Ca Oxnard is updated daily with practical mortgage guidance for this page.