# A Good Lender - California Mortgage Broker

*Last Updated: February 2026*

> A Good Lender is a licensed California mortgage broker with 40+ years of experience in the lending industry. Founded by Rodney Roloff, who has been in California mortgage lending since 1985, we help clients when traditional banks say no — offering 100+ loan programs through a network of 50+ lenders across all of California. NMLS #1692403 | DRE #01142903.

## Business Details

- **Founded**: 1985 | **Owner**: Rodney Roloff, Founder & Mortgage Broker
- **Experience**: 40+ years in the California lending industry (since 1985)
- **Phone**: (510) 589-4096 | **Email**: info@agoodlender.com
- **Office**: 4683 Chabot Drive, Suite 280, Pleasanton, CA 94588
- **License**: NMLS #1692403 | DRE #01142903
- **Service Area**: All of California (all 58 counties)
- **Hours**: Available 24/7 | Same-day pre-approvals

## Loan Program Hubs

- [Home Purchase Loans in California](https://agoodlender.com/home-purchase-loans-in-california) — All purchase loan types for California home buyers
- [Mortgage Refinance Loans in California](https://agoodlender.com/mortgage-refinance-loans-in-california) — Rate & term, cash-out, and streamline refinancing
- [Commercial Real Estate Loans in California](https://agoodlender.com/commercial-real-estate-loans-in-california) — Commercial, investment property, and SBA financing
- [Construction & Renovation Loans in California](https://agoodlender.com/construction-and-renovation-loans-in-california) — Build, renovate, flip, and land financing
- [Down Payment Assistance Programs in California](https://agoodlender.com/down-payment-assistance-programs-in-california) — Grants, CalHFA, and zero-down options
- [Special Income Documentation Loans in California](https://agoodlender.com/special-income-documentation-loans-in-california) — Self-employed and alternative income borrowers
- [Property Types Loans in California](https://agoodlender.com/property-types-loans-in-california) — Condos, TIC, co-ops, manufactured homes, and more
- [Niche Programs in California](https://agoodlender.com/niche-programs-in-california) — Specialty programs for unique scenarios
- [All Loan Programs](https://agoodlender.com/loan-programs-in-california) — Master directory of all 100+ programs

## Purchase Loans

Hub: [Home Purchase Loans in California](https://agoodlender.com/home-purchase-loans-in-california)

- [FHA Loans California](https://agoodlender.com/fha-loans-in-california) — 3.5% down, 580+ credit score
- [VA Loans California](https://agoodlender.com/va-loans-in-california) — Zero down for veterans and active military
- [USDA Loans California](https://agoodlender.com/usda-loans-in-california) — Zero down for rural properties
- [Conforming Loans California](https://agoodlender.com/conforming-loans-in-california) — Conventional loans up to $832,750 / $1,249,125 (high-cost counties)
- [Jumbo Loans California](https://agoodlender.com/jumbo-loans-in-california) — Above conforming limits, 700+ credit
- [Fixed Rate Mortgages California](https://agoodlender.com/fixed-rate-mortgages-in-california) — Stable rate for the life of the loan
- [Adjustable Rate Mortgages California](https://agoodlender.com/adjustable-rate-mortgages-in-california) — Lower initial rates with periodic adjustments

## Refinance Loans

Hub: [Mortgage Refinance Loans in California](https://agoodlender.com/mortgage-refinance-loans-in-california)

- [Cash-Out Refinance California](https://agoodlender.com/cash-out-refinance-in-california)
- [Fixed Rate Refinance California](https://agoodlender.com/fixed-rate-refinance-in-california)
- [Adjustable Rate Refinance California](https://agoodlender.com/adjustable-rate-refinance-in-california)
- [Conforming Refinance California](https://agoodlender.com/conforming-refinance-in-california)
- [FHA Loans Refinance California](https://agoodlender.com/fha-loans-refinance-in-california) — FHA Streamline available
- [VA Loans Refinance California](https://agoodlender.com/va-loans-refinance-in-california) — VA IRRRL streamline refinance
- [USDA Loans Refinance California](https://agoodlender.com/usda-loans-refinance-in-california)
- [HELOC Refinance California](https://agoodlender.com/heloc-refinance-in-california)
- [Home Equity Refinance California](https://agoodlender.com/home-equity-refinance-in-california)
- [Reverse Mortgage Refinance California](https://agoodlender.com/reverse-mortgage-refinance-in-california) — For borrowers 62+

## Commercial Loans

Hub: [Commercial Real Estate Loans in California](https://agoodlender.com/commercial-real-estate-loans-in-california)

- [DSCR Loans California](https://agoodlender.com/dscr-loans-in-california) — Investment properties, no personal income verification
- [Multifamily Loans California](https://agoodlender.com/multifamily-loans-in-california) — 5+ unit residential properties
- [SBA 7a Loans California](https://agoodlender.com/sba-7a-loans-in-california) — Business acquisition, equipment, working capital (up to $5M)
- [SBA 504 Loans California](https://agoodlender.com/sba-504-loans-in-california) — Owner-occupied commercial real estate (up to $20M)
- [Commercial Hard Money Loans California](https://agoodlender.com/commercial-hard-money-loans-in-california)
- [Commercial Bridge Loans California](https://agoodlender.com/commercial-bridge-loans-in-california)
- [Commercial Construction Loans California](https://agoodlender.com/commercial-construction-loans-in-california)
- [Conventional Commercial Loans California](https://agoodlender.com/conventional-commercial-loans-in-california)

## Construction & Renovation Loans

Hub: [Construction & Renovation Loans in California](https://agoodlender.com/construction-and-renovation-loans-in-california)

- [Construction to Permanent Loans California](https://agoodlender.com/construction-to-permanent-loans-in-california) — One-time close construction financing
- [Renovation Loans California](https://agoodlender.com/renovation-loans-in-california) — FHA 203k, HomeStyle, and renovation programs
- [Fix and Flip Loans California](https://agoodlender.com/fix-and-flip-loans-in-california) — Short-term renovation financing
- [Bridge Loans California](https://agoodlender.com/bridge-loans-in-california) — Interim financing between transactions
- [Lot and Land Loans California](https://agoodlender.com/lot-and-land-loans-in-california)
- [Unpermitted Additions Financing California](https://agoodlender.com/unpermitted-additions-financing-in-california)

## Down Payment Assistance

Hub: [Down Payment Assistance Programs in California](https://agoodlender.com/down-payment-assistance-programs-in-california)

- [CalHFA Programs California](https://agoodlender.com/calhfa-programs-in-california) — State-backed down payment assistance
- [Elite Grant California](https://agoodlender.com/elite-grant-in-california)
- [Local DPA Programs California](https://agoodlender.com/local-dpa-programs-in-california) — City and county assistance programs
- [MCC Tax Credit California](https://agoodlender.com/mcc-tax-credit-in-california) — Mortgage Credit Certificate
- [How to Buy a House with No Money Down in California](https://agoodlender.com/how-to-buy-a-house-with-no-money-down-in-california)

## Special Income Documentation Loans

Hub: [Special Income Documentation Loans in California](https://agoodlender.com/special-income-documentation-loans-in-california)

- [Bank Statement Loans California](https://agoodlender.com/bank-statement-loans-in-california) — Self-employed borrowers, no tax returns required
- [Asset Depletion Loans California](https://agoodlender.com/asset-depletion-loans-in-california) — Qualify using assets, not income
- [CPA Profit & Loss Loans California](https://agoodlender.com/cpa-profit-loss-loans-in-california) — CPA-prepared P&L statements as income documentation
- [Stock Award Loans California](https://agoodlender.com/stock-award-loans-in-california) — RSU and vesting stock compensation as income
- [Full Documentation Loans California](https://agoodlender.com/full-documentation-loans-in-california)

## Property Types

Hub: [Property Types Loans in California](https://agoodlender.com/property-types-loans-in-california)

- [Single Family Loans California](https://agoodlender.com/single-family-loans-in-california)
- [Condo Loans California](https://agoodlender.com/condo-loans-in-california) — Warrantable and non-warrantable condos
- [TIC Loans California](https://agoodlender.com/tic-loans-in-california) — Tenancy in Common financing
- [Co-op Loans California](https://agoodlender.com/co-op-loans-in-california) — Cooperative housing
- [Condotel Loans California](https://agoodlender.com/condotel-loans-in-california) — Hotel-condo conversions
- [Manufactured Home Loans California](https://agoodlender.com/manufactured-home-loans-in-california) — HUD-code homes
- [Modular Home Loans California](https://agoodlender.com/modular-home-loans-in-california)

## Niche Programs

Hub: [Niche Programs in California](https://agoodlender.com/niche-programs-in-california)

- [Physician Mortgage Loans California](https://agoodlender.com/physician-mortgage-loans-in-california)
- [Farm and Winery Loans California](https://agoodlender.com/farm-and-winery-loans-in-california)
- [Foreign National Loan Programs California](https://agoodlender.com/foreign-national-loan-programs-in-california) — No U.S. credit or SSN required
- [Visa Borrower Loan Programs California](https://agoodlender.com/visa-borrower-loan-programs-in-california) — Work visa and green card holders
- [Buy Before You Sell Loans California](https://agoodlender.com/buy-before-you-sell-loans-in-california) — Purchase without selling first
- [Gift of Equity Loans California](https://agoodlender.com/gift-of-equity-loans-in-california) — Buying from family at a discount
- [No Credit / Limited Credit Loans California](https://agoodlender.com/no-credit-limited-credit-loans-in-california) — Alternative credit tradelines accepted
- [No Seasoning Cash-Out Refinance California](https://agoodlender.com/no-seasoning-cash-out-refinance-in-california) — Cash out 0–30 days after purchase
- [Non-Occupant Co-Borrower Loans California](https://agoodlender.com/non-occupant-co-borrower-loans-in-california) — Family members co-signing without living there
- [Aggressive Asset Depletion Loans California](https://agoodlender.com/aggressive-asset-depletion-loans-in-california) — Higher leverage asset-based qualifying
- [Departing Residence Rental Income Loans California](https://agoodlender.com/departing-residence-rental-income-loans-in-california) — Use future rental income to qualify
- [Large Acreage Loan Programs California](https://agoodlender.com/large-acreage-loan-programs-in-california) — 5+ acre properties
- [LLC Funding Programs California](https://agoodlender.com/llc-funding-programs-in-california) — Entity-owned investment properties
- [Solar Panel Financing Add-On Loans California](https://agoodlender.com/solar-panel-financing-add-on-loans-in-california)

## Tools & Resources

- [Mortgage Calculators](https://agoodlender.com/calculators)
- [California Mortgage Calculator](https://agoodlender.com/california-mortgage-calculator)
- [California Home Affordability Calculator](https://agoodlender.com/california-home-affordability-calculator)
- [California Rent vs. Buy Calculator](https://agoodlender.com/california-rent-vs-buy-calculator)
- [FAQ — California Mortgage Questions Answered](https://agoodlender.com/faq)
- [Apply Online](https://agoodlender.com/apply)
- [Schedule an Appointment](https://agoodlender.com/appointment)
- [Meet the Team](https://agoodlender.com/team)
- [About A Good Lender](https://agoodlender.com/about-us)
- [Testimonials](https://agoodlender.com/testimonials)

## Major California Markets We Serve

- [Los Angeles](https://agoodlender.com/mortgage-loans-and-refinance-in-los-angeles-ca)
- [San Francisco](https://agoodlender.com/mortgage-loans-and-refinance-in-san-francisco-ca)
- [San Diego](https://agoodlender.com/mortgage-loans-and-refinance-in-san-diego-ca)
- [San Jose](https://agoodlender.com/mortgage-loans-and-refinance-in-san-jose-ca)
- [Sacramento](https://agoodlender.com/mortgage-loans-and-refinance-in-sacramento-ca)
- [Fresno](https://agoodlender.com/mortgage-loans-and-refinance-in-fresno-ca)
- [Oakland](https://agoodlender.com/mortgage-loans-and-refinance-in-oakland-ca)
- [Long Beach](https://agoodlender.com/mortgage-loans-and-refinance-in-long-beach-ca)
- [Anaheim](https://agoodlender.com/mortgage-loans-and-refinance-in-anaheim-ca)
- [Irvine](https://agoodlender.com/mortgage-loans-and-refinance-in-irvine-ca)
- [Santa Ana](https://agoodlender.com/mortgage-loans-and-refinance-in-santa-ana-ca)
- [Riverside](https://agoodlender.com/mortgage-loans-and-refinance-in-riverside-ca)
- [Stockton](https://agoodlender.com/mortgage-loans-and-refinance-in-stockton-ca)
- [Bakersfield](https://agoodlender.com/mortgage-loans-and-refinance-in-bakersfield-ca)
- [San Bernardino](https://agoodlender.com/mortgage-loans-and-refinance-in-san-bernardino-ca)
- [Fremont](https://agoodlender.com/mortgage-loans-and-refinance-in-fremont-ca)
- [Chula Vista](https://agoodlender.com/mortgage-loans-and-refinance-in-chula-vista-ca)
- [Modesto](https://agoodlender.com/mortgage-loans-and-refinance-in-modesto-ca)
- [Palo Alto](https://agoodlender.com/mortgage-loans-and-refinance-in-palo-alto-ca)
- [Berkeley](https://agoodlender.com/mortgage-loans-and-refinance-in-berkeley-ca)
- [Santa Monica](https://agoodlender.com/mortgage-loans-and-refinance-in-santa-monica-ca)
- [Beverly Hills](https://agoodlender.com/mortgage-loans-and-refinance-in-beverly-hills-ca)
- [Pasadena](https://agoodlender.com/mortgage-loans-and-refinance-in-pasadena-ca)
- [Santa Barbara](https://agoodlender.com/mortgage-loans-and-refinance-in-santa-barbara-ca)
- [Pleasanton](https://agoodlender.com/mortgage-loans-and-refinance-in-pleasanton-ca) — Our home office

*Full coverage: 458 California cities. See [sitemap](https://agoodlender.com/sitemap-0.xml) for the complete list.*

## Full Content Reference

For detailed qualification criteria, loan comparison tables, decision trees, FAQ answers, success stories, and competitive positioning:

- [llms-full.txt](https://agoodlender.com/llms-full.txt) — Complete technical reference for AI agents

---

*Licensed California Mortgage Broker — NMLS #1692403 | DRE #01142903 | Equal Housing Opportunity*