Mortage Lender, Oxnard, Ventura County
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Oxnard Mortgage Lender

Attention First-Time Home Buyers:

A 30-year fixed mortgage has an interest rate that won’t change for the life of your loan. It’s the best security against rising mortgage rates and higher payments. If you know you don’t plan on moving or refinancing in the next few years, a fixed rate mortgage may be your best choice.

  • Rates for 30-year fixed mortgages are currently at or near historic lows. This means your mortgage payment starts low and stays there.

  • Don’t have a full down payment (20%)? You can still get the security of a low, fixed payment. You can put as little as .5% down*** on a 30-year fixed mortgage.

  • While the 30-year fixed mortgage is our most popular choice, we also offer fixed rate mortgages for 10, 15, 20, and 25 year terms. The shorter your term, the less interest you’ll pay. No matter how long you finance your mortgage, you’ll have the peace of mind in always knowing your payment so you can plan your budget.

30 Year Mortgage - First Time Buyer

Is Your Loan Amount over $417,000?

  • We have a jumbo loan option available just for you! Congress has approved changes that may get you a lower mortgage rate. Call us to see if your county qualifies.

    ***Please call For details, restrictions may apply.


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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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