About Noah Villasenor
HI - HI-1256580, AZ - LO-2006553, CA - CA-DBO1256580, SD - 1256580.MLO, TX - Licensed Noah Villasenor is a seasoned mortgage professional and Area Manager leading Family Wealth Creation, a division focused on helping clients build long-term wealth through real estate. Licensed in California, Arizona, South Dakota, Texas, and Hawaii, Noah serves clients across a wide range of markets, with a strong focus on Ventura, Los Angeles, Orange, Kern, Santa Barbara, and San Luis Obispo Counties. Born and raised in Ventura County, Noah has deep family roots in the area and a strong commitment to the success of his clients and community. He specializes in VA, FHA, conventional, jumbo, and first-time homebuyer loans, as well as Non-QM products, bank statement programs, DSCR, hard money, HELOCs, second mortgages, and down payment assistance programs including CALHFA. What sets Noah apart is a clearly defined and highly personalized process. Every client begins with a detailed discovery call to understand their goals and financial situation. From there, he leads a comprehensive consultation that includes reviewing loan options, evaluating monthly budgets, teaching how mortgage rates work, outlining potential tax benefits, and discussing property appreciation. Clients that work with Family Wealth Creation are offered fully underwritten approvals before they ever make an offer. For purchase clients, he also provides offer strategy sessions in collaboration with their agent and provides a full contract review once an offer is accepted. After closing, Noah continues to manage each client's loan by setting strike rate targets and using smart technology to monitor when it makes sense to refinance or adjust their mortgage strategy. Noah holds both the Certified Mortgage Advisor (CMA) and CMPS certifications and is recognized as a top one percent lender in Ventura County. He is passionate about helping clients succeed as homeowners, whether they are buying a primary home, second home, or investment property. Noah believes that increased homeownership builds stronger communities, and he is proud to play a role in creating lasting impact for families across the regions he serves.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Citywide cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Citywide for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Citywide does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Citywide. Citywide its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 748 East Main Street, Ventura CA, 93001