Best Residential Mortgage Brokers in Oxnard, CA

We recently worked with Sanjeev Verma and his team to purchase our first home. He was highly knowledgable about the area we were buying in and you can tell his opinions were based on years of experience in the field. I felt very comfortable throughout the entire process and I have absolutely no regrets about the home we purchased. I would quickly recommend Sanjeev Verma to anyone who is in the market for a new home.

I had a great experience refinancing recently with Naresh. From start to finish, he was incredibly responsive — always quick to answer questions and provide updates, which made the entire process feel smooth and stress-free. What I appreciated most was his transparency. He clearly explained all the options, rates, and fees upfront, so there were no surprises along the way. I always felt informed and confident in the decisions I was making. On top of that, he was able to secure a very competitive deal which fits my needs. Highly recommended.

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Sanjeev was super helpful in finding the right loan for my family and I. He’s someone you can trust and I get great results. ??

We had a great experience working with Naresh Ravuri. He was responsive, fast, and very professional throughout the entire process. Everything was handled smoothly, and we always felt well-informed. We would absolutely do business with him again and highly recommend him.

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Sanjeev was super helpful in finding the right loan for my family and I. He’s someone you can trust and I get great results. ??

Sanjeev stepped in to save the day just 10 days before our closing deadline, securing a significantly better mortgage rate that reduced our monthly payment by nearly $200. He worked tirelessly to gather and submit all the necessary documents to the underwriters, ensuring everything was in place to successfully fund our loan. We highly recommend Sanjeev—he’s a knowledgeable, dedicated professional, and we’d gladly refer his services to anyone seeking home financing.

I recently refinanced my home loan through Loan Factory with Naresh. The whole process was so amazing. Naresh got me a great deal and his support, response and care was outstanding. He is super responsive, prompt and follows up on all aspects in a very timely manner. Kudos to Naresh and his team. I would strongly recommend Naresh who is so easy to work with and also gets you the best deals.

Naresh was very helpful and always available whenever I had any questions. I got a great refinance rate with him!

Huge thanks to *Naresh Ravuri* for the phenomenal job on our refinance! He made the process smooth and was so detailed with every step. He really took the time to make sure we were getting the best deal possible and explained everything clearly. Professional, patient, and highly recommended!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Excellent service and very helpful. Would definitely recommend.

Sanjeev was super helpful in finding the right loan for my family and I. He’s someone you can trust and I get great results. ??

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Would definitely recommend Sanjeev Verma to my family and friends. He is really professional, knowledgeable and genuine. He assisted me buying new home and leasing office space. It was hard to find these properties without him. He researched well and gave us the service we deserve.

Thanks Sanjeev Verma for finding dream house for me and helping understand whole process. We were unable to find such a great property with good interest %. Will surely recommend you to my friends and family. It's hard to find someone who understands what others really need.

Naresh and Pattrick have been amazing to work with. They got me a very good deal and they were extremely patient with me, explaining all the numbers and next steps thoroughly in detail. Would love to work with them in the future and recommend them for your mortgage needs! Thank you both!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Had a great experience refinancing my home with Naresh Ravuri. The process was easy, and he was always available to answer my questions and everything went smoothly. Highly recommend!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

From the moment we started working with Mr. Sanjeev Verma, we felt a sense of honesty and efficiency. We were very nervous about working with a new loan officer based on our experience with our previous lender. We were in a very tight escrow timeline already when we switched to Mr. Verma as our new loan officer. Without wasting a single minute Mr. Verma examined all of our documents, explained all of our options, got our file ready overnight and APPROVED with underwriter the next afternoon!! Not only Mr. Verma helped us secure our loan so quickly, he locked it with the best interest rate while offering us huge savings with lender credits towards our closing costs!! We saved over 12K in closing costs as compared to our previous lender! We are now in our new home all because of Mr. Verma’s help. Can’t thank him enough for his excellent services. We would definitely recommend him to anyone looking for a honest, efficient, easy going and hard working loan officer! Thank you so very much Mr. Verma, you’re the BEST!!!

BEST REALTOR EVER! I would highly recommend Sanjeev to anyone looking to make their home buying/selling process stress-free. Sanjeev is extremely responsive and answers all questions quickly. Sanjeev really values his clients and it shows in how he treats them. Will definitely work with Sanjeev again and again. Thanks Sanjeev!

Thanks to Sanjeev Varma I was able to lock in a good interest rate. He has exceptional customer service skills. He’s knowledge of the real estate market is very admirable. Very highly recommend Sanjeev Varma.

Sanjeev is truly a pleasure to work with! His professionalism really raises the bar among realtors and I genuinely look forward to my next opportunity to work with him!

Sanjeev Verma helped refinance about a dozen residential and a commercial properties of our family. I found him very competent in his professional field.

Sanjeev is one of the best loan officers out there. Went to him closer to the close day, however he worked day and night to keep the same close date. Thank you Sanjeev :)

Truly , was a pleasure working with sanjeev in buying our first property. I would highyly recommend Sanjeev to anyone interested in buying. BEST REALTOR EVER. THANK YOU SO MUCH.

Sanjeev is a professional and hard working loan officer and realtor, he closed my house in just 8 days, I really recommend to buy a property with him!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Sanjeev has been my go to person for all mortgage needs. I have two of my properties financed with him and he always makes sure we get the best price in the market. He is also very diligent and knowledgeable with all the paperwork involved in a real estate transaction.

Sanjeev is incredibly professional and reliable from start to finish. He ensured that all paperwork was completed accurately and on time, making the closing process smooth and successful. He truly went above and beyond to help us find our home. He kept us extremely well informed about the process, he always advocated for us and truly understood our needs. We are so glad to have worked with him!! I highly recommend Sanjeev to anyone looking to buy or sell a home. Thank you, Sanjeev!!

Sanjeev is an amazing agent. He helped with buying my first home and the process was very easy. He explained every step along the way and worked hard to get what was best for us. I recommend having him as an agent because he is honest, patient, and very helpful!

I'm a Realtor, I had a pleasure to work on a sale where Sanjeev represented the buyer and I resented the seller. Sanjeev is a great agent to work with. Sanjeev is not only a great agent he is also a great loan officer, he did the loan prosses in a very short time. I really recommend Sanjeev.

Sanjeev has made the process of buying a home very easy for my partner and I, especially since we’re very young. He helped us with the loan process as well and also helped us save a lot of money!

I recently had the pleasure of working with Sanjeev Verma as our real estate agent, and I can't recommend him highly enough! From the very beginning, Sanjeev was incredibly helpful and supportive throughout the entire loan process. His expertise and knowledge in the field are truly impressive, making every step feel seamless and manageable. Sanjeev took the time to explain everything clearly, ensuring that we understood our options and felt confident in our decisions. His dedication to helping us secure the best loan was evident, and he was always available to answer any questions we had, no matter how small. What stood out the most was his genuine care for our needs. Sanjeev went above and beyond to make sure we felt comfortable and informed every step of the way. Thanks to his hard work and commitment, we were able to achieve our goals with ease. If you're looking for a real estate agent who is not only knowledgeable but also truly cares about his clients, look no further than Sanjeev Verma. He is absolutely amazing, and I am so grateful for his assistance!

We had the pleasure of working with Sanjeev Verma for the purchase of our restaurant, and we couldn't be happier with the experience! We were so impressed with Sanjeev's extensive knowledge, not only in residential real estate but also his impressive understanding of commercial properties. He guided us through every step of the process with incredible patience and clarity, making what could have been a stressful experience feel manageable and even enjoyable. Sanjeev is exceptionally kind and truly dedicated to his clients. He was always available whenever we needed him, and his responsiveness was truly remarkable. We honestly believe that without Sanjeev's expertise and support, we would not have been able to successfully purchase our restaurant. We are so grateful for his hard work and dedication. If you're looking for a knowledgeable, kind, and highly accessible real estate agent for either residential or commercial properties, we wholeheartedly recommend Sanjeev Verma!

I have known Sanjeev for more than 20 years. He is an amazing realtor and loan officer. He is extremely knowledgeable and very creative when doing loans. I highly recommend Sanjeev for any real estate or mortgage needs.

Sanjeev did such a great job explaining and helping me and my family with the purchase of our first home. The rate and closing costs were better than everyone’s, but his best attribute was the white glove service. Thank you Sanjeev.

Very knowledgeable in both Real Estate and Mortgage!

Working with Sanjeev has been a great experience both when buying my home and later refinancing it. He was available 24/7 to answer any questions I had and always made sure I fully understood every step of the process. His knowledge and professionalism gave me complete confidence, and he went above and beyond to make the entire experience smooth and stress-free. I couldn’t have asked for a better loan officer - highly recommend him to anyone looking to buy or refinance a home!

Excellent service One stop shop financeing and real estate Sanjeev done a wonderful job of taking care and coordinate a smooth transaction. ????

Extremely satisfied with Sanjeev as my broker. He was professional and always willing to go the extra mile and guided me step by step through the refinancing process, answered all my questions with patience, and made the entire experience smooth and stress-free.

Overall good experience.

Great person and helped us find the right home for my wife and I. Thank you Sanjeev!

I had a really great experience with him and would recommend him

Great Loan Officer

Worked with Sanjeev on a listing and he was great to work with and communicative. Excited for our next deal.

I had an exceptional experience working with Sanjeev earlier this year while closing on two properties. He went above and beyond at every step.He was extremely knowledgeable, responsive, and genuinely supportive throughout the entire process. Everything was seamless and stress free from start to finish. His expertise, professionalism, and dedication gave me complete confidence in every decision.I couldn’t have asked for a better experience and would highly recommend him to anyone looking for financing or real estate needs.

Great experience working with Sanjeev. He was very flexible, easy to communicate with, and made the whole process convenient and smooth. He was always responsive, professional, and willing to accommodate our needs, which made everything stress-free. I truly appreciated how simple and efficient he made the entire process and would gladly recommend Sanjeev to anyone looking for a dependable property agent. ??

Working with Sanjeev felt easy from day one. He helped us understand both the real estate and mortgage side without making it confusing, and he was always patient with our questions. What stood out most was how human he was he truly cared, checked in often, and made sure we felt comfortable every step of the way. It never felt rushed or transactional, just honest help when we needed it. Would absolutely recommend him.

Sanjeev is is wonderful about educating you about all the most reasonable/feasible financing options to meet your specific need. He is very up front, honest, transparent, extremely resourceful and works very hard to get you the best deals he can.

If you’re looking for someone you can trust with one of the biggest decisions of your life, this is the person you want in your corner. Sanjeev has so much experience and is the by far the best.

I had an outstanding experience refinancing my home loan with Naresh Ravuri. From start to finish, the entire process was seamless, and we closed in just 3 weeks—much faster than I expected! Naresh Ravuri was extremely knowledgeable, proactive, and always available to answer my questions. They secured a fantastic rate and made sure every detail was handled efficiently, making the refinance stress-free. If you’re looking for a loan officer who is responsive, transparent, and highly skilled, I highly recommend Naresh Ravuri. Thank you for making this such a smooth experience!

I have worked with Naresh and he is very informative and patient with me through out the process and has best rates to offer with along with decent lender incentives.

I had an amazing experience with refi of my property. Naresh Ravuri have been super helpful during the entire closing process answering any questions I had. He is super knowledgable of the entire mortgage lending process. I will surely reach out to him and the team next time I need their lending services.

Naresh is outstanding! He made the entire loan process smooth, transparent, and stress-free. His communication was prompt and clear at every step, and he truly went above and beyond to secure the best deal for us. I highly recommend Naresh to anyone looking for a knowledgeable and trustworthy loan officer. Thank you for the excellent service!

I had an excellent experience working with Naresh Ravuri for my home loan. From start to finish, Naresh was professional, knowledgeable, and incredibly supportive throughout the entire process. He explained every step clearly, helped me understand all my options, and was always available to answer any questions I had. What I appreciated most was his attention to detail, timely communication, and genuine care in ensuring the loan process was smooth and stress-free. Thanks to his dedication and guidance, I was able to secure the right loan without any delays or confusion. I truly appreciate all the hard work Naresh put in and would highly recommend him to anyone looking for a reliable and trustworthy home loan officer.

Naresh was a professional and a knowledgeable loan officer. He respected our time throughout the process, which we appreciated

Excellent Service in these area, Communication, Thorough documentation, upfront honest and sets expectation and minimize the closing cost, Always goto person, Thank you !!!

They went above and beyond for us

Naresh and his team at loan factory helped us very diligently and patiently to get the refinance of the loan done recently in the month of September and it was really hassle free working with them. Naresh was very prompt and got all the things done on time for refinance , will definitely recommend working with them for any refinance or housing loans.

Naresh assisted me with refinancing my mortgage and made the entire process smooth and stress-free. He patiently explained each step, addressed all my questions in detail, and maintained clear and timely communication throughout. Overall, it was a seamless and hassle-free experience.

Very quick and up to date responses. Loan closed in very less time.

I recently completed my home refinance with Naresh Ravuri, and the experience was exceptional. Naresh was professional, transparent, and incredibly thorough, he clearly explained every charge and stood by everything he promised. In today’s tough mortgage market, finding someone this honest and dependable is rare. His communication and guidance made the entire process smooth and stress-free. I highly recommend Naresh to anyone looking for a trustworthy mortgage professional.

I recently completed my loan process with Naresh Ravuri, and I’m extremely satisfied with the overall experience. From start to finish, Naresh was professional, knowledgeable, and very supportive. He explained each step clearly, answered all my questions patiently, and made sure I understood every part of the process. What I appreciated the most was his responsiveness and attention to detail. Whether it was documentation, follow-ups, or guidance, Naresh was always on top of everything, which made the entire loan process smooth and stress-free. His transparency and commitment to helping clients truly set him apart. I highly recommend Naresh Ravuri to anyone looking for a reliable and trustworthy loan officer. Thank you, Naresh, for making this journey easy and successful!

Jason and Laura were nothing short of good. From the first call …to the closing was absolutely flawless…He ran the numbers … never pushy … if we ever need to use them again we 100% will

Working with Sree was an outstanding experience…responsive…I felt supported at every step.…His professionalism, integrity, and personal approach made a big difference

I recently worked with Sree on refinancing my home…proactive, transparent, and incredibly knowledgeable. He kept me updated every step of the way …secured a great rate and improved my financial outlook. I highly recommend Sree…a true professional

Working with Sree as my loan officer was an exceptional experience—his professionalism, clear communication, and deep understanding of the lending process made everything feel seamless and manageable. He was always quick to respond to questions, took the time to explain every detail, and made sure I felt informed and confident at every step. Sree truly went above and beyond to find the best loan option for my situation, and his dedication and support made a stressful process feel much more manageable. I highly recommend him to anyone in need of a knowledgeable and trustworthy loan officer.

I recently worked with Sree on refinancing my home, and I couldn’t be more pleased with the experience. From the very beginning, Sree was proactive, transparent, and incredibly knowledgeable about the refinancing process. He took the time to understand my financial goals and walked me through the available options with clarity and patience. Sree kept me updated every step of the way and made sure everything moved smoothly and efficiently. Thanks to his expertise and dedication, I was able to secure a great rate and improve my overall financial outlook. I highly recommend Sree to anyone considering a refinance—he’s a true professional you can trust.

Working with Sree was an outstanding experience from beginning to end. He is highly knowledgeable, responsive, and truly committed to guiding his clients through the mortgage process with clarity and confidence. Sree took the time to explain every detail, was always available to answer questions, and made sure we felt supported at every step. His professionalism, integrity, and personal approach made a big difference. Thanks to Sree, the entire process was smooth and stress-free. I highly recommend him to anyone in need of a trustworthy and dedicated mortgage loan officer!

Sanjeev is one of the best loan officers out there. Went to him closer to the close day, however he worked day and night to keep the same close date. Thank you Sanjeev :)

anjeev is a professional and hard working loan officer and realtor, he closed my house in just 8 days, I really recommend to buy a property with him!

?I wholeheartedly recommend Sanjeev to anyone seeking real estate and financing expertise. He has exceptional problem-solving skills that absolutely exemplify his engineering mindset. He has gone above and beyond to make sure that my closing cost was substantially low. He is very knowledgeable and will guide you to understand the entire mortgage process. It was such a pleasure working with Sanjeev!

Being a first time home buyer its always tricky to choose not only home but the realtor who will get you that desired property. I was lucky to have Shankar, help me find a great property in the desired location I wanted. It took me about 6 months to finalize on the property I loved and wanted to buy. But during this whole process, Shankar has been super patient, very detailed, and AVAILABLE all the time. Shankar, helped us understand both pros and cons of the property in terms of location, schools, future developments and comparables in the same region. He seems to have great knowledge about the Folsom CA in particular. Another plus point of Shankar is he helped me shop around for a good mortgage rate too. If you are looking to buy something in and around Folsom CA, I would recommend using Shankar. He is patient, dedicated and detail oriented. Thank you Shankar for all you did for us.

Shankar was wonderful to work with. He helped me sell my house in 1 week and helped to close it in 2 weeks. Shankar made what could have been a stressful and difficult process as seamless as could be. He made everything very easy to navigate and was always available and helpful. I wouldn’t work with anyone else! He is very professional and very nice to work with. He really listened, cares passionately about his job and his calming manner worked wonders for us. I would recommend him to whoever is looking to buy or sell a home in California.

Shankar made our home selling process a breeze! He has a keen eye for what needs to be done to ready for staging, like painting the whole house with a neutral color. Shankar was always on time for appointments, negotiated well with other agents or always followed up with emails, phone messages and voicemails etc., He kept up his promises. Our home was sold in 3 hours much more than the asking price!

Shankar Reddy is one of the Best person that I have met in my recent times. His primary focus is to provide best opportunities to the clients and sharing necessary feedbacks in every aspect of Home purchase. With his tons of real estate experience, always drives customers to find the best home in the desired place with affordable pricing options!! He is very friendly and easy to approachable always !! Really appreciate his flexibility, commitment,trust and great service to this community !!

Did an excellent job in listing my home and selling it during high volatile market conditions. Personally looked into the house and went through all steps in advance and cleared all our questions i.e. regard to selling and also finances. Very hard working and definitely use him in any other real-estate transactions in future too.

I have worked with Sanjeev for several years and worked with many loan officers and agents with my position. Sanjeev is professional, knowledgeable, accurate and extremely kind. I can't speak his praises enough. I'm thankful to work with Sanjeev!

Hi Sanjeev! I'd like to thank you so much for your great service and assistance with our home refinancing. You really made this process easy and convenient for us. We appreciate your hard work and long hours (even on the weekends!). Thanks for being so kind, helpful and always readily available. We look forward to working with you again in the future!

Sanjeev is the consummate mortgage professional. If you are looking ...for someone to help you with your mortgage or real estate needs, you can trust that Sanjeev will make you his top priority. He will guide you through the loan and purchase process, with the highest level of skill and expertise. Trust in him. You'll be glad that you did. Kim Kirk, Senior Account Executive, Sierra Pacific Mortgage