Explore mortgage options with Grizzly Loans

Your premier mortgage lender located in Oxnard, California. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.

A family moving in to their new home.

Homebuyers

See how much you qualify for in today's market.

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Today's Rates

See if the time is right for you to purchase or refinance.

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Refinance

We can help you lower your rate or take cash out.

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Loan Programs

Learn about different types of home loans.

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Your top mortgage questions, answered

Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.

A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.

Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.

While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.

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What our clients are saying

5 stars

Jeff was responsive, competitive, and answered all of my questions quickly throughout the process. He was honest and looked out for what was in my best interest in terms of costs and rates. The whole process was online except for the final signing of paperwork. I was out of town when everything closed but they were able to send a notary to my house at night when I returned. The notary was very processional, explained everything to me and we sat outside due to COVID. I highly recommend Jeff!

- Darlene L

5 stars

Jeff brought a personal touch to our home mortgage experience. He helped us time the market to get a great interest rate with low fees. Once our rate was locked in we had a few issues we had to overcome. That is where Jeff and his team really shined, they helped us through that process and got us to the finish line. Dealing with COVID made things a little more complicated. Jeff's team handled everything safely and even coordinated a remote notary service that came to our home to sign.

- James M

5 stars

Jeff is very professional. He gives his all to your experience making sure everything gets done correctly and efficiently. He responds back to you very quickly which makes you feel very comfortable. Jeff is clearly a hard worker who takes his clients needs seriously. All throughout the process I knew what was going on and if I had questions I was comfortable to email and ask. I am grateful that I went through the refi with Jeff

- Julie S