From first-time buyers to seasoned investors,
we've helped clients just like you
Marcos Galaviz is a dedicated and experienced mortgage professional with a passion for helping individuals and families achieve their dream of homeownership across Ventura, Los Angeles, Santa Barbara and Kern counties. With over a decade of experience in the mortgage industry, Marcos has built a reputation for providing exceptional service, personalized solutions, and expert guidance throughout the mortgage process.
At Option Funding, Marcos leads a team of skilled professionals who share his vision of transforming the mortgage experience. Whether you are a first-time homebuyer or looking to refinance, Marcos and the team are here to provide the expertise and support you need every step of the way.
1000 Town Center Dr, Suite 135
Oxnard, CA 93036
Loan Programs for Every Situation
Purchase Loans
Conventional, FHA, VA, and USDA options. We find the right fit for your down payment and credit profile.
Refinance
Lower your rate, reduce your monthly payment, or tap into your home's equity. We'll tell you straight if it makes sense.
Fix & Flip
Short-term financing for investors who move fast. Competitive rates, quick closings.
DSCR / Investor
Qualify on property cash flow, not personal income. Perfect for real estate investors.
Bank Statement
Self-employed? We verify income using 12–24 months of bank statements. No W-2s needed.
Jumbo Loans
Luxury and high-value properties above conforming limits. Access to competitive jumbo programs.
Areas we serve
Every loan program we offer, from first-time purchases to refinances and investor loans, is available throughout all four counties.
Ventura County
Oxnard, Ventura, Camarillo, Thousand Oaks, Simi Valley, Moorpark, Santa Paula, Port Hueneme, Fillmore, Ojai and surrounding areas.
Los Angeles County
Los Angeles, Santa Clarita, Palmdale, Lancaster, Long Beach, Pasadena, Glendale, Torrance, Pomona, Burbank and surrounding areas.
Santa Barbara County
Santa Barbara, Santa Maria, Goleta, Lompoc, Carpinteria, Buellton, Solvang, Orcutt and surrounding areas.
Kern County
Bakersfield, Delano, Tehachapi, Ridgecrest, Shafter, Wasco, Arvin, McFarland and surrounding areas.
Get a Free Quote
Fill out the form and Marcos will reach out ASAP.
Ready to Get Started?
Suite 135
Oxnard, CA 93036
Join Our Newsletter
Get the latest mortgage tips, rate updates, and homebuying advice delivered straight to your inbox. No spam — just useful info from Marcos.