Get to know Cheryl Whitney


Recognized by local residents as one of the best mortgage companies in Ventura County in 2018.

Apply with Cheryl

Cheryl Whitney, Mortgage Professional

Photo of Cheryl Whitney CSMC Mortgage Loan Officer
Phone: 805-428-1400

NMLS #348984 and DRE #01351989

About Cheryl

Cheryl is committed to providing you excellent service, competitive pricing and the best loan products available in the market.

Cheryl Whitney has more than 30 years’ experience in the mortgage industry; the past 18 years as a Loan Officer.  Previously she worked through the ranks as a loan processor, loan underwriter and 8 years as loan operations manager prior to becoming a Loan Officer 18 years ago. This experience has given her the advantage to prequalify clients accuratly and have good insight to know what is needed to ensure a smooth, quick and successful transaction.

Cheryl specializes in purchase transactions from First Time Homebuyers to the Experienced Buyer. Refinancing and reverse mortgages are also a great deal of her business. 

Cheryl’s clients and realtors repeatedly refer their friends, family and clients to her, validating the level of service and value she offers in the lending industry.

Cheryl was born and raised in Southern California where she still resides.

Incredibly knowledgeable – and very much cares for her clients best interests.


The best loan officer she never gave up on getting our house for us! She is very easy to work with she is very helpful!!

5☆’s!!! Cheryl is one of the best I’ve ever met!! She knows her stuff!!
Cheryl is extremely professional along with being very informative. Explains all your options so you understand. Cheryl gets you through the process successfully. I would recommend and use Cheryl again.

She is extremely professional knows her business. Doesn’t hesitate to answer any questions. We have used Cheryl for all our home mortgage needs when we lived in California. Definitely recommend her to help others.