Home Purchase Loans in California
Get pre-approved fast with expert guidance from California's trusted mortgage specialists. 40+ years of experience helping families secure FHA, VA, Conventional & Jumbo loans statewide.
FIND YOUR PERFECT PURCHASE LOAN
Answer a few questions to get personalized loan recommendations from our expert team
What best describes you?
First-Time Buyer
New to homeownership journey
Military/Veteran
Active or former service member
Move-Up Buyer
Upgrading to your dream home
Real Estate Investor
Building your property portfolio
What's your target home price range?
Under $500K
Starter homes & condos
$500K - $750K
Family homes
$750K - $1M
Premium properties
$1M+
Luxury homes
How much can you put down?
What's your approximate credit score?
Excellent
740+
Good
670-739
Fair
580-669
Not Sure
We'll help you check
When are you looking to buy?
Get your personalized loan recommendations
California Home Buyer Testimonials
Real success stories from California families who achieved their homeownership dreams with our mortgage expertise.
I recently purchased my first home and worked with Rodney Roloff for the mortgage process, and I couldn't be happier with the experience. From the beginning, their team was transparent, professional, ...
Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking f...
Rodney and his team were very instrumental in helping us set our goal of home ownership. We are very much on our way there thanks to how thorough and encouraging AGL was.
I recently purchased my first home and worked with Rodney Roloff for the mortgage process, and I couldn't be happier with the experience. From the beginning, their team was transparent, professional, ...
Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking f...
Rodney and his team were very instrumental in helping us set our goal of home ownership. We are very much on our way there thanks to how thorough and encouraging AGL was.
ALL CALIFORNIA PURCHASE LOAN PROGRAMS
Each loan program is designed for specific situations. Our experts will help you choose the perfect match for your unique needs and goals.
Conventional Loans
FIXED RATE
15- or 30-Year
ADJUSTABLE RATE
ARMs
CONFORMING
Standard and High Limit
Government Loans
VA LOANS
0% Down for Veterans
FHA LOANS
Low Down Payment
USDA LOANS
No Down Payment, Rural Properties
Special Purchase Options
BRIDGE LOANS
Buy New Before Selling Old
CONSTRUCTION
Construction-to-Permanent Loans
LOT AND LAND
Lot and Land Loans
Jumbo Loans
JUMBO
Above Conforming Limits
Not Sure Which Loan is Right for You?
Our expert loan advisors will help you find the perfect financing solution for your home purchase. Whether you're a first-time buyer, moving up, or investing, we'll guide you through every option available.
Talk to a Loan Expert
Expert Guidance for California Home Purchase Loans
Why Choose California Home Purchase Loan Specialists?
Buying a home in California isn't like buying anywhere else. With median prices hovering around $900,000 and some counties pushing well past that mark, you need more than just a mortgage. You need a lending partner who knows how to navigate California's unique challenges. We've been helping families across the state since 1985, and in that time, we've built relationships with every major lender and uncovered financing solutions that most brokers don't even know exist. Our NMLS #1692403 license covers the entire state, from San Diego to Redding, and we've closed loans in all 58 counties.
The California market right now is interesting. Inventory's up about 6% from last year, which means buyers finally have some breathing room to negotiate. But here's the thing: homes are still selling in under 50 days on average, and a third of them go over asking price. That's where a solid pre-approval makes all the difference. CalHFA's MyHome program is offering up to 3.5% in down payment assistance for FHA buyers, which can be the difference between qualifying and not.
What Credit Score and Income Do I Need to Qualify?
People always ask what it takes to qualify. FHA loans are still the most forgiving. You can get approved with a 580 credit score and 3.5% down, or even a 500 score if you can put 10% down. Conventional loans want to see 620 or better, but if you can hit 740 or higher, you'll save serious money on your rate. VA loans technically don't have a minimum credit score (that's up to the lender), but most of us look for 620 as a floor. For income, lenders want your total monthly debts to stay under 43 to 50% of your gross income.
As far as loan programs go, we've got the full lineup. FHA loans are great for first-timers or anyone without a massive down payment. VA loans for veterans offer 100% financing and no mortgage insurance. Conventional loans give you the best rates if you've got good credit and at least 5% down. Then there's jumbo financing for anything above $806,500. We also do bridge loans, construction financing, and bank statement programs for borrowers who don't fit the W-2 mold.
How Fast Can We Close Your California Home Purchase?
Our process moves fast. Once you reach out, we can usually get you pre-qualified within 15 minutes over the phone. When you're ready to get serious, full pre-approval typically takes 24 hours once we have your docs. From there, once you're under contract, most of our purchases close in 30 to 45 days. Some go faster. We've closed VA loans in three weeks when everything aligned right.
Here's why people stick with us. We don't charge application fees, which saves you $500 to $800 right off the bat. We've got access to over 100 different loan programs across multiple lenders, so if one doesn't work, we've got options. Our team is licensed statewide and we know the Bay Area, Central Valley, and Southern California markets inside out. When you call, you get a real person who can pull up your file and give you an actual answer. We're not a call center routing you to whoever's available. You work with the same advisor from application through closing, which means faster decisions and fewer surprises. Our brokers have direct relationships with underwriters at every major lender, so when issues come up, we can get them resolved same-day instead of waiting weeks for email responses. That matters when you're competing for a house in a hot market.
Get Solutions Tailored to Your Specific Case
Every California homebuyer has unique circumstances. Our licensed advisors will analyze your finances, goals, and timeline to recommend the best loan programs for your situation. The easiest way to start? Schedule a free 15-minute consultation.
PURCHASE LOAN QUESTIONS ANSWERED
Get instant answers to the most common questions about California home purchase loans
Overwhelmed by All These Loan Options?
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