Mortgage broker serving Adelanto, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Adelanto buyers, we match your unique situation to the right program.
Adelanto provides attainable homeownership, but buyers face specific financing challenges.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Adelanto purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"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 for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Adelanto home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Adelanto starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Adelanto home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Adelanto property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Adelanto homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | Any buyer - grant covers FHA or Conventional down payment, forgiven after 6 payments |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates Adelanto purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Adelanto. State programs reduce out-of-pocket costs significantly.
Veterans buy Adelanto homes with $0 down. Full VA benefits cover all properties here.
Many Adelanto properties qualify for USDA zero-down loans. Rural designation required.
All Adelanto properties qualify for conforming loans. 3% down minimum for first-time buyers.
Adelanto local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Adelanto homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Adelanto. Investors can purchase in entity names.
FHA streamline dominates Adelanto refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Adelanto veterans. No paperwork hassles, quick closing.
Many Adelanto homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Adelanto refinance qualifies for conforming rates. Best terms for rate reduction.
Adelanto owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Adelanto. Predictable payments for major expenses.
DSCR financing for Adelanto investors. Buy rentals based on property income potential.
Fix-and-flip financing for Adelanto investors. Buy distressed properties, renovate, sell.
Commercial hard money in Adelanto. Quick funding when timing is critical.
Multifamily loans available for Adelanto apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Adelanto buyers with qualifying income.
CalHFA is a strong option for Adelanto. State programs reduce out-of-pocket costs significantly.
Adelanto local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Adelanto down payment help. Free money for qualified buyers.
Many Adelanto properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Adelanto benefit from gift of equity. No cash down payment needed.
Adelanto first-time buyers often use co-borrowers. Family help for qualification.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Adelanto sits in the High Desert of San Bernardino County, about 85 miles northeast of LA. Population is 37,941, median household income $68,419. The homeownership rate here is 60.6%, and the median home price of $402,500 tells you why people are looking this direction. You're getting a full house with a yard for what a down payment costs in Orange County. For a household pulling in $65-75K, this is one of the last places in Southern California where you can qualify for a conventional loan on a newer single-family home without stretching yourself dangerously thin.
If you've got kids, the school ratings matter for both your daily life and your resale value down the line. George Visual and Performing Arts Magnet pulls a 7 rating, which is solid for the High Desert. Desert Trails Prep and Victoria Magathan Elementary both sit at 6. These aren't the numbers you'll see in Irvine, but they're stable and the district has been investing in improvements. When you're buying in the $350K-$450K range, you're competing with other families who care about schools, and that creates a buyer pool when it's time to sell. The magnet school option gives you some choice without paying private school tuition on top of your mortgage.
Where you buy in Adelanto changes what loan products make sense and what your monthly payment looks like. Desert View Highlands runs $380K-$450K with newer construction and mountain views, perfect for conventional loans if you've got decent credit and 5-10% down. North Park sits at $350K-$420K with mature trees and established homes, attracts buyers using conventional or FHA depending on their down payment situation. Pinon Hills offers the most space at $320K-$400K on larger lots with a rural feel, great for buyers who want room for toys or animals and can handle septic or well situations that some loan types get picky about. South Downtown is your entry point at $330K-$390K with walkable access to services, and FHA loans work well here for first-timers who need that lower down payment option.
The commute to LA is about 94 minutes via I-15, which is the main reason Adelanto stays affordable while Rancho Cucamonga and Fontana have priced out. You've got good highway access with I-15, US-395, and SR-18 connecting you to Victorville and the rest of the High Desert. Real talk, if you're commuting to LA five days a week, that drive will wear on you. But if you work remotely, have a local job, or commute just a few days a week, you're trading some drive time for a mortgage payment that's $800-$1,200 less per month than you'd pay 40 miles closer to the coast. That math works for a lot of people.
BAE Systems is the big name here, bringing defense industry jobs that pay well and offer stability. Victor Valley Community College and Adelanto Unified School District provide steady public sector employment. The Walmart Distribution Center adds logistics jobs, and High Desert Regional Health Center covers the healthcare side. City of Adelanto itself employs a decent number of people in municipal roles. The job mix gives you enough local options that not everyone here is making the LA commute. When you're getting pre-approved, lenders look at job stability, and having diverse local employers helps if you're working in the area rather than commuting out.
Common questions from Adelanto homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Adelanto closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Adelanto: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Adelanto buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Adelanto buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Adelanto buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Adelanto families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Adelanto properties fall within conforming limits, maximizing your financing options.
For Adelanto's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Adelanto. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Adelanto. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Adelanto. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Adelanto typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Adelanto: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Adelanto buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Adelanto. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Adelanto typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Adelanto closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Adelanto properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Adelanto buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Adelanto buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Adelanto families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Adelanto. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Adelanto. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Adelanto's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Adelanto is $690,000 for 2026, which is well above the typical home prices in the area. Since most homes in Adelanto range from $300K to $450K with a median around $403K, you'll have plenty of room to use an FHA loan for your purchase. FHA loans are extremely popular here because they only require 3.5% down and accept credit scores as low as 580.
No, you won't need a jumbo loan in Adelanto since the median home price is $403K and most homes sell between $300K and $450K. With conforming loan limits at $833,000 and FHA limits at $690,000, virtually every home in Adelanto qualifies for standard financing. Jumbo loans are only necessary when you exceed these limits, which is rare in this entry. level market.
For 2026 in San Bernardino County, the conforming loan limit is $833,000, the FHA loan limit is $690,000, and the VA loan limit is $833,000. These limits apply to Adelanto and give buyers plenty of financing options since local home prices are well below these thresholds. Most first. time buyers in the area use FHA loans due to the lower down payment requirements.
Yes, VA loans are available in Adelanto with a loan limit of $833,000, which covers all homes in the area. If you're a qualified veteran or active military, VA loans offer incredible benefits including $0 down payment, no mortgage insurance, and competitive rates. This is one of the best options for eligible buyers in Adelanto's entry. level market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Adelanto. Beyond that, CalHFA programs provide down payment and closing cost assistance that's perfect for first. time buyers in this price range, and San Bernardino County offers additional local DPA programs. Some areas of Adelanto may also qualify for USDA loans with zero down, so it's worth exploring all your options.
You can buy a home in Adelanto with as little as 3.5% down using an FHA loan, which means around $14,000 to $16,000 on a typical home priced at $400K. However, many first. time buyers here qualify for down payment assistance programs that can reduce or even eliminate your out. of. pocket costs. VA. eligible buyers and those who qualify for USDA loans in certain areas can purchase with $0 down.
You can qualify for an FHA loan in Adelanto with a credit score as low as 580, which is the most common loan type in this market. If your score is between 500 and 579, you'll need 10% down for FHA, while conventional loans typically require at least 620. Many first. time buyers in Adelanto successfully purchase homes with scores in the 580 to 650 range using FHA financing.
Choose a lender who specializes in first. time buyer programs and down payment assistance, since these are critical in Adelanto's entry. level market. Look for someone who can explain all your options including FHA, CalHFA, and local DPA programs, and who can pre. approve you quickly in this competitive price range. The right lender will understand that most Adelanto buyers need creative financing solutions and will work hard to maximize your purchasing power with limited savings.
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