Home Help

Victor’s curated tools and advice for first time home-buyers and anyone looking for a quick refresher for what has recently changed when it comes to finding and buying a home.

Lenders: who do I go with?

Victor has worked with local lenders for decades. Some of the local lenders list – to check out and contact.

Loan Calculator

Purchase price
Please enter here the amount you expect to pay for a home.
Enter a value
Down payment
Down payment is cash that you pay upfront for your home.
10.0%
Enter a value
Term in years
Number of years you have to pay.
years
Enter a value
Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
%
Enter a value
Property tax
Enter your property tax here if you know it.
per year
Enter a value
Home insurance
Most lenders require home insurance. Enter its price here.
per year
Enter a value
PMI
PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
Enter a value

Your total monthly payment

$

Principal & Interest
$

Audience: First time, or Second time buyers

  • Need refresh on what they need to know
  • Things have changed: Loan Limits & Lending practices (pre-2008)

First to know: 

  • How much do I qualify for: (from the lender)
  • Where do they want to live: 
  • What is a must-have in your house (e.g. 3 bed 2 bath, square footage, community, HoA, melloroos – this can be a significant tax!, property tax)
  • Environmental risks: Flood zone, Fire Risk Areas (insurance details).

Where to look: Useful things:

  • Schools, Crime, Megan’s Law, things to do

Why Victor rather than Realtor.com

  • Someone searching for an agent in Ventura:
  • Who I am, what I’m about, what I can do for them –
    • Details of a particular listing.  
    • I can represent them in purchasing tha

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