Cameron Bartolomea | Strategic Home Loans
Cameron Bartolomea | NMLS #2777999

Mortgage Strategy, Simplified.

Fast approvals and clear communication for Ventura and Los Angeles County homebuyers. No confusion, just results.

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Tools

Your Local Mortgage Partner

Purchase and refinance

Solutions for first time buyers, move up buyers, and long term homeowners.

Strategy first

Clear options that match your goals, not just a quick quote.

Fast and clear

Direct communication and fast turnarounds so you always know what is next.

Loan Programs

Conventional
FHA
VA
Jumbo
Refinance
Bank statement
Reverse 55 plus

How It Works

1

Quick connect

A fast call or text to understand your goals.

2

Options

You get clear scenarios with simple next steps.

3

Closing

We handle the details for a smooth on time closing.

Client focused

I prioritize clear communication and honesty. Happy to share recent client feedback on request.

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Mortgage Tools

Start with simple defaults. Open advanced options if you want to dial it in.

Purchase payment

Enter a price and down payment to estimate monthly payment. Advanced lets you adjust rate, taxes, insurance, and HOA.

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Simple start: Price, down payment, and term.
Defaults are estimates. For an exact quote, text me and I will run your scenario.
$
Example 750,000
%
Common 3, 5, 10, 20
$
Auto updates when percent changes
Advanced options
Rate, taxes, insurance, HOA
%
Example 6.75
$
If none, keep 0
%
Estimated annual percent of value
%
Estimated annual percent of value
Taxes and insurance are estimates. Your actual escrow can vary based on location, coverage, and assessed value.
Estimated monthly payment
$5,543
Principal and interest $4,734
Taxes and insurance estimate $809
HOA $0
Loan amount $600,000

Estimate uses default assumptions for rate, taxes, insurance, and HOA. This is not a commitment to lend.

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Refinance explorer

See payment change, savings, and breakeven. Simple inputs first. Advanced options cover cash out, taxes, insurance, and custom costs.

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What to enter: Home value and your current loan balance. If you have no mortgage balance, set it to 0.
You can also use this for a new loan setup, including a cash out scenario.
$
Example 800,000
$
If no mortgage, use 0
$
Optional
%
If you are not sure, use your best estimate.
%
New loan amount is current balance plus cash out plus optional costs rolled in.
Advanced options
Costs, roll in, taxes, insurance, HOA
%
Example 1.50 percent or 7500 dollars
$
Optional. If you know exact new loan amount.
%
%
Taxes and insurance are estimated from home value.
$
Breakeven is based on principal and interest change unless you add taxes, insurance, and HOA. This is an estimate.
Estimated monthly change
$0
Current payment estimate $0
New payment estimate $0
New loan amount $0
Estimated closing costs $0
Estimated new LTV 0%
Breakeven estimate
0 months

This is an educational estimate and not a commitment to lend. Rates, costs, and eligibility vary.

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DSCR investor check

Estimate if rent covers payment. Advanced lets you adjust rate, taxes, insurance, and HOA.

$
%
$
$
Use actual rent or best estimate
Advanced options
Rate, taxes, insurance, HOA
%
$
%
%
DSCR thresholds vary by program. This is a simple estimate.
Estimated DSCR
1.20
Rent $4,000
Estimated PITI plus HOA $3,328
(Estimated principal and interest $2,678. Taxes and insurance $650. HOA $0)

This is an educational estimate and not a commitment to lend. Rates, costs, and eligibility vary.

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Reverse mortgage explorer

Illustrative example for education. For an exact scenario, text me and I will run it for you.

Illustrative principal limit factor
0.470
Eligible base $800,000
Illustrative principal limit $376,000
Estimated fees -$16,000
Payoff existing mortgage -$150,000
Illustrative available funds $210,000
Reverse proceeds depend on age, rates, program factors, and closing costs. This is a simplified illustration.
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Specialty financing

Flexible options for unique income, high value properties, or new construction.

Bank statement

For self employed borrowers who want an alternative to tax return income.

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Non QM

Flexible documentation for unique income situations or high net worth borrowers.

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Construction

Finance the build and convert to a permanent loan depending on program options.

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Foreign national

Programs designed for non US citizens buying property in the United States.

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All tools are educational estimates only and not a commitment to lend. Qualification, rates, programs, and eligibility vary.

Let’s run your exact numbers

No pressure. Tell me what you are trying to do and I will map out the cleanest options.

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cameron@strategichomeloans.com | 818 857 9675 | 805 496 7500 x2