Channel Islands Condo Loans
Set along Channel Islands Harbor, Channel Islands Waterfront Homes offers a distinctly marina-centered coastal lifestyle. Many residences look out toward the marina, coastline, or offshore islands, bringing boats, open water, and sunset views into the everyday setting.
Channel Islands is also considered a non-warrantable condo project, which can limit financing with many traditional lenders. At Pizarro Mortgage, we specialize in non-warrantable condo financing and help buyers navigate both the financing process and purchase strategy when buying in the building.
About Channel Islands
3101 Peninsula Rd
Oxnard, CA 93035
Located at 3101 Peninsula Road in Oxnard, the community sits on the peninsula between Channel Islands Harbor and the Pacific Ocean. Nearby, residents can enjoy harbor-side restaurants, boating, and access to the local beaches.
Built in 1974, Channel Islands Waterfront Homes is a 120-unit condominium community. Amenities include a waterside clubhouse, swimming pools, a spa, saunas, a fitness center, tennis courts, a resident lounge, and private party facilities.
Price: $400K – $750K
HOA Dues: $750 – $800/mo
Channel Islands Amenities
Pool & Spa
Resort-style pool
& spa
Tennis Courts
Private courts for residents
Fitness Center
On-site gym & wellness facilities
Channel Islands Condos for Sale & Financing
Browse the latest Channel Islands condos for sale in Oxnard. Listings update automatically, making it easy to explore available condos, compare prices, and learn about financing options before scheduling a showing.
Channel Islands Loan Options
For buyers purchasing in Channel Islands, specialized non-warrantable condo financing may provide more flexible options than traditional condo loans.
Condo Purchase
Primary, second home & investment condo loans
Condo Refinance
Rate & term and cash-out refinance solutions
Condo HELOC
Access condo equity without refinancing
Alternative Loans
Bank statement, asset-based & DSCR financing
Non-Warrantable Condo Financing Features
Specialized financing for Channel Islands, including options that many traditional lenders don't offer.
15% Down Available
Loan Amounts Up to $5M
Bank Statement Programs
Repair Issues Accepted
Litigation Accepted
Budget Issues Accepted
Primary Residence
Second Home
Investment Property
How We Help Channel Islands Buyers
Pre-Approval Review
Review credit, income, and assets so you can shop confidently.
Condo Project Review
Review HOA, litigation, budget, reserves and condo project eligibility.
Offer Strategy
Help structure a competitive offer with financing in mind.
Financing + Guidance
One point of contact for financing and purchase guidance.
Frequently Asked Questions
Yes. Channel Islands is generally considered a non-warrantable condo project, which may limit financing with some traditional lenders.
Yes. Financing options may still be available depending on the condo project review, borrower profile, and loan program.
Channel Islands Waterfront Homes condos for sale include one- and two-bedroom residences, with prices varying by floor plan, square footage, views, condition, and current market conditions. Browse the live Channel Islands condo listings above to see the latest homes available and asking prices.
Down payment requirements vary depending on the financing program and borrower profile.
Yes. Investment financing options may be available depending on the loan program and condo project review.
In some cases, yes. Condo HELOC options may be available depending on borrower profile and project eligibility.
Yes. Because Pizarro Mortgage is also a real estate brokerage, we can help guide buyers through both financing and the purchase process.
Working with a lender familiar with non-warrantable condos and condo project financing may help avoid surprises during escrow.
Ready to buy at Channel Islands?
Whether you're purchasing your first condo, a second home, or an investment property, we'll help you understand your financing options before you make an offer.
