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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

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Find the Right Loan Program

Pick a category, punch in a few numbers, and get an instant estimate.

Purchase Payment Calculator

Estimate monthly payment including principal, interest, taxes, and insurance. You can keep it simple or open advanced options.

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Estimated Monthly Payment
$5,543
Principal and Interest$4,734
Taxes and Insurance$809
Loan Amount$600,000
Down Payment$150,000

Estimates are for illustration only. Taxes, insurance, mortgage insurance, and fees vary by property and borrower.

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Refinance and Cash Out Explorer

Start simple. Enter home value, current balance, and your current rate. Add advanced inputs if you want a more precise estimate.

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Estimated Monthly Savings
$0
Current P and I$0
New P and I$0
New Loan Amount$0
Estimated LTV0%
Breakeven
0 months
Estimated Closing Costs$0
Monthly Payment Change$0

Estimates are for illustration only. Rates, costs, and eligibility vary. If taxes and insurance are not entered, the calculator focuses on principal and interest.

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DSCR (Investor) Calculator

Estimate if rent covers the payment. Enter price, down payment, and monthly rent. Advanced options are available if you want them.

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DSCR
1.20
Gross Monthly Rent$4,000
Total Estimated Monthly PITI$3,328
(P and I: $2,678, Taxes and Ins: $650)

DSCR is rent divided by payment. Lender rules vary. This is an estimate for education only.

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Reverse Mortgage Explorer

Move the sliders to see an educational example. Results vary by program, age, and rate.

Illustrative principal limit factor
0.470
Eligible base (value or cap)$800,000
Illustrative principal limit$376,000
Estimated fees-$16,000
Payoff existing mortgage-$150,000
Illustrative Available Funds$210,000

This tool is educational and not a quote. Reverse proceeds depend on program rules, borrower age, rate, fees, and property details.

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Specialty and Flexible Financing

Options for self employed income, unique scenarios, and high value properties.

Bank Statement Loans

For self employed borrowers. Uses bank statements to help qualify when tax returns do not show the full picture.

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Non QM Loans

Flexible documentation options for unique income, assets, or credit profiles. Program rules vary by lender.

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Construction Loans

Finance a new build or major renovation. Some programs allow one closing that converts to the permanent loan.

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Foreign National Loans

Financing solutions designed for non US citizens purchasing property in the United States.

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All tools are for educational purposes and are not a commitment to lend. Qualification, programs, rates, and eligibility vary. Contact us for a formal mortgage consultation.

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.

Purchase Now Refinance

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

7 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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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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