Mortgage Guidance Built Around People, Not Just Loans

Helping home buyers, homeowners, and real estate partners move forward with clear loan options, strong communication, and a smoother path to closing.

  • Purchase, refinance, jumbo, FHA, VA, bank statement, reverse mortgage, and Non-QM loan options
  • Local mortgage support for Ventura County, Los Angeles County, and nearby Southern California communities
  • Clear communication between borrower, agent, escrow, and lender so fewer details get missed

Find the Right Loan Strategy

Every borrower is different. We review the full picture, including income, credit, assets, property type, down payment, timeline, and long-term goals.

Home Purchase Review affordability, down payment, and loan options before making an offer.
Refinance Review whether restructuring your mortgage may support your goals.
Self-Employed Bank statement and alternative documentation options may be available.
Specialty Loans Jumbo, reverse, DSCR, Non-QM, and other scenarios can be reviewed.
Loan options are subject to credit, income, asset, property, documentation, and underwriting review.
20+ Years of mortgage experience
Local Ventura County and Southern California guidance
Options Multiple loan programs and borrower scenarios
Aligned Borrowers, agents, escrow, and lending team working together

A mortgage process built on communication, strategy, and trust.

Strategic Home Loans helps buyers and homeowners compare options, understand the process, and move forward with a mortgage plan that fits their situation.

Just as important, we work to keep the people around the transaction aligned, so borrowers, real estate partners, escrow, and the lending team all know what is happening and what comes next.

For our real estate partners: we treat your clients with care, protect the relationship you built, and keep communication clear so the transaction has the best chance to move smoothly from offer to closing.

For Home Buyers

Review buying power, estimated payment, loan options, down payment strategy, and next steps before making offers. Start here: Check Buying Power.

For Homeowners

Explore refinance, cash-out, reverse mortgage, and equity-based options based on your current loan, property value, and goals. You can also review your estimated home value here: Check Home Value.

For Real Estate Partners

Work with a lending team that values your client relationship, communicates early, watches the details, and helps keep the buyer, agent, escrow, and lender moving in the same direction.

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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Advanced options optional
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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.

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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$
%
%
Advanced options optional
%
$
$
$
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.

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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%
$
$
Advanced options optional
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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.

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.

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.

Book a Call

Non QM Loans

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

Book a Call

Construction Loans

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

Book a Call

Foreign National Loans

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

Book a Call
Mortgage Calculators

See your payment scenarios

Check Home Value

See your refinance power

Check Buying Power

Get a quick loan idea

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

1 year 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

1 year 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

6 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.

Fast

Easy

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Quality

Contact Us

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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