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VENTURA COUNTY’S TRUSTED MORTGAGE BROKER

Helping families and real estate agents close on time with clarity, strategy, and care.

We make financing simple and stress-free so you can avoid costly delays and move forward with confidence. 
Backed by 20+ years of experience and a network of top lenders tailored to your needs.
805-496-7500 | www.strategichomeloans.com

Find the Right Loan Program

Select a category to explore your options and use our interactive tools.

Purchase Payment Calculator

Estimate your monthly payment (PITI). Just enter a home price and down payment.

$
%
$
Estimated Monthly Payment
$5,543
Principal & Interest $4,734
Monthly Taxes & Ins. (Est.) $809
Loan Amount $600,000

Estimate assumes a 6.75% interest rate, 1.25% property tax, and 0.45% home insurance. For illustration only.

Refinance Breakeven Calculator

See how long it would take to recoup costs. Just enter your current payment and new loan amount.

$
$
Monthly P&I Savings
$118
New P&I Payment $3,082
Est. Closing Costs $7,500
Breakeven Point
64 Months

Estimate assumes a 6.25% new rate and 1.5% closing costs. For illustration only.

DSCR (Investor) Calculator

Estimate if an investment property's rent will cover the monthly PITI payment.

$
%
$
$
Potential Pass
1.20
Gross Monthly Rent $4,000
Total Estimated Monthly PITI $3,328
(Est. P&I: $2,678, T&I: $650)

Assumes 7.5% investor rate (30-yr), 1.25% tax, 0.45% insurance. For illustration only.

Reverse Mortgage Explorer

Use these sliders to get an *illustrative example* of how proceeds are calculated. This is for educational purposes only.

Illustrative principal limit factor
0.470
Eligible base (min of value & cap) $800,000
Illustrative principal limit $376,000
Less estimated fees (2%) -$16,000
Payoff existing mortgage -$150,000
Illustrative Available Funds $210,000

Specialty & Flexible Financing

Solutions for unique income situations, high-value properties, or new construction.

Bank Statement Loans

Ideal for self-employed borrowers. We use your business bank statements to verify income, not tax returns.

Book a Call

Non-QM Loans

A broad category of flexible-doc loans for borrowers with unique income situations (e.g., asset depletion, high-net-worth).

Book a Call

Construction Loans

Finance the construction of your new home, from the ground up, often with a one-time close that converts to a permanent loan.

Book a Call

Foreign National Loans

Financing solutions designed specifically for non-U.S. citizens looking to purchase property in the United States.

Book a Call
Mortgage Calculators

See your payment scenarios

Check Home Value

See your refinance power

Check Buying Power

Get a quick loan idea

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Make Your Dream Home a Reality

Whether you’re buying a home or refinancing, there’s never been a better time to lock in a lower rate.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
5 reviews
Cormac and Wailani O'Herlihy
Robert is so professional. He wrote an email weekly with progress of the loan. We never had to reach out to him because there was clarity through the whole process. We highly recommend his services.
Robert is so professional. He wrote an email weekly with progress of the loan. We never had to reach out to him because there was clarity through the whole process. We highly recommend his services.

Cormac and Wailani O'Herlihy

6 months ago

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Jeff Haring
As a Realtor, I've been working with Robert for over 30 years. His personalized service truly sets him apart—every client feels valued and understood as he takes the time to tailor his approach to their unique situation. Robert’s ability to find the perfe ...
As a Realtor, I've been working with Robert for over 30 years. His personalized service truly sets him apart—every client feels valued and understood as he takes the time to tailor his approach to their unique situation. Robert’s ability to find the perfect loan products to match each client’s needs is remarkable, ensuring they feel confident and supported throughout the process. His professionalism and dedication make him a trusted partner in every transaction. Robert’s consistent communication is a game-changer. He keeps both me and my clients informed at every step, promptly answering questions with clarity and patience. Clients often share how much they appreciate his non-pushy demeanor; he’s never about hard-selling or making empty promises to win business. Instead, Robert’s honesty shines through—even if it means being upfront about lending limitations, which builds trust and eliminates surprises. I can’t recommend Robert highly enough for his reliability and integrity. His transparent approach ensures a smooth, stress-free experience, making him an invaluable asset to any home-buying journey. If you’re looking for a loan broker who genuinely cares and delivers results, Robert is the one to call!
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Jeff Haring

7 months ago

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Christopher Adib
Robert was great to work with. During the transaction he kept me informed throughout the whole process. If your looking for a lender Robert is your guy, Thanks again Robert for a smooth transaction
Robert was great to work with. During the transaction he kept me informed throughout the whole process. If your looking for a lender Robert is your guy, Thanks again Robert for a smooth transaction

Christopher Adib

1 year ago

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Mark Patton
I've worked with Rober for over 25 years. He has done loans for friends, family, and clients and I trust him completely with all of our financing needs. If you need a home loan, I HIGHLY recommend Robert. He's honest, trustworthy, and knowledgeable. 5 ...
I've worked with Rober for over 25 years. He has done loans for friends, family, and clients and I trust him completely with all of our financing needs. If you need a home loan, I HIGHLY recommend Robert. He's honest, trustworthy, and knowledgeable. 5 STARS!!
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Mark Patton

3 years ago

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Sean Perry
Highly attentive and provided several options to choose from
Highly attentive and provided several options to choose from

Sean Perry

5 years ago

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About Us

At Strategic Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today. After you select the loan that is best for you, we will work continuously on your behalf to help you achieve your dream of homeownership.

We offer the assistance you need to help in all your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

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Easy

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Contact Us

Have a question? Our experienced professionals are waiting to take your call. Contact us today for a no cost mortgage estimate.


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