About Option Funding
A local brokerage led by Marcos Galaviz, helping families and investors across four counties get the right home loan for over a decade.
Who we are
Why work with a broker instead of a bank?
A bank can only offer you its own loans. As a mortgage broker, Option Funding compares programs across multiple wholesale lenders, then brings you the one that fits your goals, your credit and your budget.
That matters most when your situation isn't simple: first-time buyers with a small down payment, self-employed borrowers, investors building a rental portfolio, or anyone who was told no somewhere else.
Our office is in Oxnard, and we work with clients throughout Ventura, Los Angeles, Santa Barbara and Kern counties in person, by phone or by video. Hablamos español.
Marcos Galaviz
Broker & Owner
1000 Town Center Dr, Suite 135
Oxnard, CA 93036
How we work
The same three things come up in almost every review we get.
Straight answers
If a refinance won't save you money or a home stretches your budget too far, we'll tell you. You'll know your numbers before you sign anything.
Face to face
In a business that's gone fully digital, we still sit down with clients. You'll always know who is working on your loan.
Start to finish
From pre-approval to closing, we explain each step, answer every question and keep your agent in the loop.
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.
Visit or call
Our office is at 1000 Town Center Dr, Suite 135 in Oxnard. Most clients never need to come in: we handle everything by phone, video and e-sign, wherever you are in the four counties.
Call 805.278.4915 or book a time online.
Find out what you qualify for
Book a free call with Marcos. You'll leave knowing your price range, your payment, and which loan fits. No obligation.