Business Details
40 Years
experience
Your Trusted Mortgage Partner in Westlake Village
Community First Mortgage has been a trusted name in the mortgage industry since 1986, serving clients in Westlake Village, CA, and beyond. Founded as a family-owned business, we specialize in guiding clients through the complexities of home purchase and refinance loans with personalized attention and competitive rates. Our team of seasoned professionals brings decades of combined experience, ensuring clients receive expert advice tailored to their unique financial situations.We pride ourselves on transparency, efficiency, and a commitment to customer satisfaction, offering services such as no-cost loans, quick closing options, and access to a wide range of loan programs. With a reputation as the #1 rated mortgage broker in Ventura County on Yelp, we continue to grow by prioritizing repeat clients and referrals, delivering on our promise of exceptional service and unmatched local expertise.
Services
Home Purchase Loans
Refinance Loans
FHA Loans
VA Loans
Jumbo Loans
DSCR Loans
USDA Loans
Cash-Out Refinance
No-Cost Loans
Preapproval Services
Details
- Year established: 1986
Highlights and features
- We offer over 35 years of experience in mortgage lending with a family-owned focus.
- Our team provides personalized service with no hidden fees or upfront deposits.
- We deliver competitive rates through partnerships with national lenders and local expertise.
- We close purchase loans in as little as 10 calendar days for fast transactions.
- Our loan officers have decades of combined experience in California's unique market.
What people say
Fantastic rates
Excellent service
Quick closing
Knowledgeable team
Personalized attention
Services
Home Purchase Loans
We specialize in home purchase loans tailored to first-time buyers and experienced investors. Our team navigates complex scenarios like rental property ownership, ensuring competitive rates and quick closings. Clients benefit from local expertise and partnerships with national lenders for optimal terms.
Refinance Loans
Our refinance solutions include no-cost options, cash-out refinances, and rate reductions. We prioritize fast processing, with loans closing in as little as three weeks, and personalized advice to improve long-term financial health.
FHA Loans
We offer FHA loans with low down payments (as little as 3.5%) for qualified buyers. Our team simplifies the process with clear communication and ensures compliance with federal guidelines for accessible homeownership.
VA Loans
Community First Mortgage provides VA loans for eligible veterans and service members, featuring competitive rates, no down payment requirements, and streamlined processes to honor their service.
Jumbo Loans
We offer jumbo loans for high-value properties with flexible terms, including lower down payments and debt-to-income ratios up to 50%, catering to California's high-cost markets.
People
Michael Mitchell Jr.
Owner
Michael Mitchell Jr. rejoined the family business after a legal career, combining legal expertise with mortgage industry experience. He prioritizes client relationships and community engagement, living near his parents in Westlake Village.
Valerie Mitchell
CFO/Loan Officer
Valerie Mitchell has funded over $1 billion in loans during her 30+ years at Community First Mortgage. She brings decades of real estate expertise and a commitment to personalized service.
Neil Coulsell
Loan Officer
Neil Coulsell, a Westlake Village native, has closed over 1,200 loans totaling $500 million. He specializes in fast closings and no-cost refinances, serving clients in the Conejo Valley for over a decade.
JB Samuelson
Operations Manager
JB Samuelson has 20 years of mortgage industry experience across multiple roles. Known for responsiveness and expertise, she handles complex loan scenarios and ensures seamless client communication.
Brian McClure
Loan Officer
Brian McClure provides tailored mortgage solutions with a focus on client education. He combines technical knowledge with clear explanations to simplify the loan process for first-time buyers.
Questions
Do you offer no-cost mortgage refinancing options?
Yes, we specialize in no-cost refinances with competitive rates and no upfront deposits.
How quickly can you close a home purchase loan?
We close purchase loans in as little as 10 calendar days for efficient transactions.
What loan programs do you specialize in?
We offer FHA, VA, jumbo, DSCR, USDA, and conventional loans tailored to client needs.
Are your rates competitive compared to big banks?
Yes, we charge less than local competitors and partner with national lenders for the best terms.
Do you serve first-time homebuyers?
Yes, we provide guidance, low-down payment options, and personalized support for first-time buyers.
