Jacob Ford, Mortgage Loan Officer

Mortgages for Home Owners and Investors

Get a quick, no obligation, no credit check, quote for your purchase or refinance.


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Jacob Ford, MBA
Mortgage Loan Officer

NMLS 1926040

1000 Town Center Dr., #300
Oxnard, CA 93036

[email protected]

Brokers over banks

I’m YOUR Loan Officer

As your mortgage loan officer, I represent YOU, the customer, not the lender. Since I am not employed by a lending institution, I am not limited to just one lender’s products. At a bank or other direct lender, they only sell you their products and they’re not going to tell you when there’s a better deal elsewhere.

As a broker, I shop for the best rate and terms for your loan across multiple banks and financial institutions – seeking out the best lender package to suit your specific situation, whether it is with a Chartered Bank, a traditional lender or a private lender. If I don’t have access to the right loan for your situation, I will refer you to someone who does. Being an experienced real estate investor myself, I can also help you devise a strategy for your real estate portfolio. My promise is to help you make the best choice for you and your family in every situation.

There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process in today’s very competitive marketplace intimidates many homebuyers. Choosing the wrong mortgage can cost you thousands, even tens or hundreds of thousands of extra dollars over the life of the loan. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.

Mortgage Brokers are trained professionals who can help you save time and money.


Jacob beat the quote that I initially received and handled every issue that came up professionally…we were able to close in under 14 days even though it was during the lockdown!

– Matt B.


Don’t take my word for it. Here are some of the folks I have helped recently. 



I wasn’t looking forward to finding a mortgage but when I called him, Jacob took my application over the phone and answered every question I had without making me feel pressured to move forward…he is really easy to work with!

-Olivia A. 

Loans and more loans

Loan Programs

Conventional / Conforming

Common loans, not insured by the government, conforming to Fannie Mae and Freddie Mac guidelines. 


High dollar-amount loans, up to $3M, that exceed FHFA thresholds and thus do not meet Fannie and Freddie guidelines.


Backed by the Federal Housing Authority, popular with first-time homebuyers, and require lower FICO scores and minimum down payment.

FHA Streamline

Fast, easy and cost effective refinancing of existing FHA loans.

VA Loans

Loans for service people, backed by Veterans Affairs, with low to zero down payment and no Mortgage Insurance.

Credit Repair

Don't let your FICO score keep you from your goals. We have loans for challenged credit, and we can help you with your score.