Mortage Lender, Oxnard, Ventura County
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Oxnard Mortgage Lender

Buying a home with an FHA 30 year loan

  • Your down payment can be as low as 3.5% of the
    price of the home.

  • First-time home buyers can get the first time
    home buyer credit
    up to $8,000!
    “First-time home buyers” includes anyone who hasn’t
    owned a home in the past three years.

  • FHA also allows seller concessions up to 6% of your
    home purchase price.


Congress has raised the loan limits for FHA loans across the country! For example, in San Francisco, the FHA loan limit went from $362,790 to $625,500. Higher loan limits mean lower rates for more people!

Get in touch with us today: APPLY NOW or call 805-351-4756 to find out the current FHA loan limit in your county.


Refinancing with an FHA Loan

  • You can refinance up to 97.75% of your home’s value. Or make a smart financial move and get cash from your home to consolidate your high-interest debt to a low, fixed rate – FHA cash-out refinance loans allow you to take out up to 85% of your home’s value.

  • If you’re currently in an FHA loan, you could get a lower mortgage rate and payment with an FHA Streamline. The FHA Streamline offers a limited documentation option, has flexible credit requirements, and you could even avoid an appraisal. Refinance your FHA loan and qualify for a lower mortgage payment – even if you owe more on your home than it’s worth. Answer a few questions to find out how to qualify for an FHA Streamline Refinance or call us now at (805-351-4756) to find out if you qualify for an FHA Streamline refinance loan.

  • Our mortgage application and processing uses exclusive technology that cuts the headaches out of getting an FHA loan. We even offer the choice to sign some of your documents online!


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Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act
NMLS#: 247116
GEM Mortgage is a direct lender, serving your mortgage needs in Ventura, Santa Barbara, Oxnard, Simi Valley, and Camarillo.
GEM Mortgage gives you the advantage of lower interest rates and lower closing costs.

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