Question 1

What credit score do I need for a conventional loan in Oxnard?

Accepted Answer

You need at least 620 to qualify. A 740+ score gets you the best rate tiers available.

Question 2

Can I avoid PMI with a conventional loan in Oxnard?

Accepted Answer

Yes. Put 20% down and PMI never applies. It also cancels once you reach 20% equity on lower down payment loans.

Question 3

How do Ventura County loan limits affect my conventional purchase?

Accepted Answer

Higher county limits mean you can borrow more without jumping to a jumbo loan. Check the current limit for your specific Oxnard address.

Question 4

Is a conventional loan better than FHA for Oxnard buyers?

Accepted Answer

For borrowers with solid credit and a 5–10% down payment, conventional usually wins on total cost. FHA makes sense when credit or down payment is the limiting factor.

Question 5

How many lenders does SRK CAPITAL compare for conventional loans?

Accepted Answer

We run your scenario across 200+ wholesale lenders. That competition is how borrowers find better pricing than a single bank can offer.

Conventional Loans in Oxnard, CA — Competitive Rates, Real Options