Business Details
40 Years
experience
Your Trusted Mortgage Partner in Westlake Village, CA
Community First Mortgage has been a trusted mortgage lending partner since 1986, specializing in purchase and refinance loans for California homeowners. Our family-owned business combines decades of industry experience with personalized service, offering competitive rates and tailored solutions for first-time buyers, investors, and everyone in between. We pride ourselves on transparency, efficiency, and a client-first approach that has earned us a 5-star reputation in Ventura County and beyond.Our team of seasoned professionals delivers no-cost refinancing options, USDA loans, VA loans, and DSCR programs while maintaining a commitment to community-focused service. With over 10,000 successfully closed loans, we continue to build relationships through referrals and repeat clients who value our expertise and integrity.
Services
Home Purchase Loans
Refinance Loans
USDA Loans
VA Loans
DSCR Loans
Details
- Year established: 1986
Highlights and features
- We offer in-person meetings with local loan officers in Westlake Village
- We maintain a 5-star rating on Yelp and Google
- We provide no-cost refinancing options
- We charge no upfront deposits before rate locks
- We close purchase loans in as little as 10 days
What people say
Excellent service
Smooth process
Competitive rates
Knowledgeable team
Quick response
Services
Home Purchase Loans
We provide tailored home purchase loans with competitive rates across California. Our process includes personalized rate quotes, document preparation guidance, and fast closings. Special programs available for first-time buyers, including USDA and VA options. Our local loan officers help clients navigate the entire purchase process from pre-approval to closing.
Refinance Loans
Our refinance programs offer cash-out options, rate reductions, and no-cost refinancing solutions. We specialize in lowering monthly payments through competitive rate shopping while maintaining transparent fee structures. Our team handles all documentation requirements and coordinates with escrow companies to ensure smooth transitions for California homeowners.
USDA Loans
We offer USDA loans requiring no down payment for eligible properties in rural California areas. These 30-year fixed-rate mortgages include flexible income guidelines and allow closing cost financing. Our specialists help clients verify property eligibility and meet USDA program requirements through personalized guidance.
VA Loans
We provide VA loan options for qualified military personnel and veterans. Our programs feature competitive rates, no down payment requirements, and streamlined refinancing options. Our team works with clients to verify eligibility and maximize benefits through the VA home loan program across California.
DSCR Loans
Our DSCR loans qualify investors based on property rental income rather than personal income. These programs allow financing up to $3 million with 80% LTV, flexible FICO requirements starting at 640, and LLC entity options. We specialize in fast closings for investment properties across California.
People
Michael Mitchell Jr.
Owner
Third-generation mortgage professional with law degree from Pepperdine, rejoining the family business after legal career. Focuses on strategic growth while maintaining client relationships.
Valerie Mitchell
CFO/Loan Officer
Industry veteran with 30+ years experience and over $1 billion in funded loans. Provides financial oversight while maintaining active loan officer role with specialized expertise in complex transactions.
Neil Coulsell
Loan Officer
Local Thousand Oaks resident with 12+ years experience closing 1,200+ loans totaling $500M. Specializes in first-time buyer programs and maintains active community involvement through youth sports coaching.
JB Samuelson
Operations Manager
20-year mortgage industry veteran with diverse experience across all loan process roles. Manages operations while maintaining direct client interaction as licensed loan officer with multilingual capabilities.
Brian McClure
Loan Officer
Experienced loan officer combining technical expertise with personalized service. Focuses on client education throughout the loan process while maintaining responsive communication standards.
Questions
What mortgage programs do you offer?
We offer purchase loans, refinancing, USDA loans, VA loans, DSCR loans, and jumbo loans across California.
Can I get a no-down payment mortgage?
Yes, we offer USDA loans that require no down payment for eligible properties in rural areas.
How quickly can you close a loan?
We can close purchase loans in as little as 10 days with our streamlined process.
Do you charge upfront fees?
No, we don't collect any deposits before locking your interest rate.
Are you licensed to operate in California?
Yes, we're licensed under NMLS#355370 and have served California since 1986.
