CA_DL_Elena_Rostova.pdf · 2.4 MB · Uploaded by Applicant
Underwriting ReviewTOPA-MTG-84920
Elena Rostova
Submitted on Oct 29, 2026 · Stage: Documents Verified · Underwriting Queue
Estate & Collateral$3,325,000
Property Title
The Del Oro Mid-Century Sanctuary
Property Address
817 Del Oro Drive, Ojai, CA 93023
Requested Loan Amount
$2,660,000 (80% LTV)
Down Payment
$665,000 (20%)
Loan Program
30-Year Luxury Jumbo Portfolio
Benchmark Interest Rate
6.45%
Estimated Monthly P&I + Tax/Ins
$20,420/mo
Financial & Risk IntelligenceDTI: 25.5% (Prime)
Employment Classification
Self-Employed / Business Owner
Employer / Business
Rostova Architectural Interiors LLC
Job Title / Profession
Principal Designer & Founder (12 Yrs)
Gross Annual Base Income
$420,000/yr ($35,000/mo)
Additional Secondary Income
$65,000/yr
Verified Liquid Assets
$1,250,000
Monthly Debt Obligations
$1,200/mo
Front-End / Back-End DTI
22.1% / 25.5%
The 4 Banking Verification Pillars5 Documents
Electronic Signature Audit Trail
Elena Rostova
Digitally certified with legal intent under the US Electronic Signatures in Global and National Commerce Act (E-SIGN). Timestamp: 2026-10-29 16:42:01 PST. IP: 172.56.21.84 (Ventura, CA).
Underwriting Decision Workbench
Issue formal loan commitments, stipulate documentation conditions, or decline financing with adverse action notes.
TOPATOPA REALTY COLLECTIVE
Private Client Mortgage & Lending Operations
305 E Matilija St, Ojai, CA 93023 · (805) 646-8820 · NMLS #849201
FORMAL COMMITMENT ISSUED
Date: November 2, 2026
REF: TOPA-MTG-84920
TO APPLICANT(S): Elena Rostova 1424 Foothill Road, Ojai, CA 93023 elena.rostova@ojai.luxury
Dear Elena Rostova,
On behalf of Topatopa Realty Collective and our private banking syndicate, we are pleased to confirm that your application for luxury residential mortgage financing has been APPROVED under our Private Portfolio Jumbo Lending Program, subject to standard final closing verifications.
Approved Loan Terms & Collateral Architecture
Subject Property:
The Del Oro Mid-Century Sanctuary (817 Del Oro Drive, Ojai, CA)
Purchase Price:
$3,325,000
Approved Loan Amount:
$2,660,000 (80.0% LTV)
Required Down Payment:
$665,000 (20.0%)
Approved Loan Program:
30-Year Luxury Jumbo Portfolio
Committed Interest Rate:
6.45% Fixed
Commitment Expiration:
February 2, 2027 (90 Days)
Underwriter Conditions & Notes:
Subject to satisfactory appraisal inspection and standard preliminary title report review prior to escrow close.
Julian Rhodes
Julian Rhodes
Senior Managing Director · Private Client Mortgage Advisory