Question 1

Who qualifies for a community mortgage in San Buenaventura?

Accepted Answer

Buyers with thin credit, non-traditional income, or past financial hardship often qualify. These programs target borrowers underserved by standard loan products.

Question 2

Do community mortgages require mortgage insurance?

Accepted Answer

It depends on the specific program and lender. Some community loans waive mortgage insurance — others include it. We compare your options before you choose.

Question 3

Can I combine a community mortgage with down payment assistance?

Accepted Answer

Yes. Ventura County has assistance programs that can layer on top of community mortgages. Eligibility rules vary by program.

Question 4

How is a community mortgage different from an FHA loan?

Accepted Answer

FHA has fixed rules — 3.5% down, mandatory MIP, 580+ credit minimum. Community programs offer more flexibility on income, credit, and sometimes costs.

Question 5

Does SRK CAPITAL offer community mortgages in Ventura County?

Accepted Answer

Yes. We work with 200+ wholesale lenders and shop community programs alongside FHA and conforming options to find your best fit.

Community Mortgages in San Buenaventura, CA