Mortgage broker serving Agoura Hills, 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 Agoura Hills buyers, we match your unique situation to the right program.
Agoura Hills buyers navigate properties near the $1.25M conforming limit, where loan structure impacts rates significantly.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Agoura Hills 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 Agoura Hills home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Agoura Hills starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Agoura Hills 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 Agoura Hills 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 Agoura Hills homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Agoura Hills home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Agoura Hills homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Agoura Hills with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Agoura Hills first-timers. 3.5% down, 580 credit minimum.
Higher-end Agoura Hills properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Agoura Hills's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Agoura Hills buyers.
Bridge loans help Agoura Hills buyers compete. Make non-contingent offers while selling current home.
Agoura Hills investment properties in LLC. Entity financing available for investors.
Most Agoura Hills mortgages qualify for conforming refinance. Lower your rate under the limit.
Agoura Hills homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Agoura Hills refinance with VA IRRRL. No appraisal, no income verification.
Agoura Hills HELOC options for home equity access. Credit line with variable rate draw period.
Agoura Hills FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Agoura Hills. Fixed payments unlike variable HELOC.
Agoura Hills rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Agoura Hills use fix-and-flip financing. Purchase plus rehab in one loan.
Agoura Hills apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Agoura Hills. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Agoura Hills buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Agoura Hills buyers.
Local Agoura Hills DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Agoura Hills buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Agoura Hills family purchases. Parents selling to children at discount.
Agoura Hills buyers use non-occupant co-borrowers. Parents help children qualify for homes.
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
Agoura Hills sits at the western edge of LA County, tucked between the Santa Monica Mountains and Ventura County line. Population is 20,088, median household income $157,930. The homeownership rate here is 78.9%, one of the highest in Southern California, because people who buy here tend to stay. At $1.175M median home price, you're looking at a market that requires serious income or a substantial down payment. But here's the thing: you're getting a Conejo Valley lifestyle with LA County address, top schools, and reasonable commutes to West LA without living in the Valley.
If schools matter to your buying decision, Agoura Hills delivers numbers that justify the price tag. Willow Elementary pulls a 9 rating, Agoura High an 8, Lindero Canyon Middle an 8. These aren't just good scores, they're the kind of ratings that protect your property value long-term. The Las Virgenes Unified School District consistently ranks among the best in the state, which is why families stretch their budgets to buy here. That 78.9% homeownership rate tells you most people aren't renting short-term, they're buying with kids and staying through high school graduation. When you're putting down $200K-$300K and taking a jumbo loan, you want to know the school district won't be a resale problem in ten years.
Where you buy in Agoura Hills determines whether you need a standard jumbo or something bigger. Morrison Ranch runs $1.4M-$3.2M, gated equestrian community with custom estates on large lots, you're looking at jumbo loans and often portfolio products for anything over $2M. Forest Cove sits at $1.1M-$1.8M, family-friendly with mature oaks and the most traditional suburban feel, conventional jumbo loans work fine here and it's the entry point for most families. Liberty Canyon goes $1.3M-$2.5M, hillside privacy with hiking access, attracts empty nesters and professionals who want space. Chesebro Canyon is the newer build option at $1.2M-$2.1M, contemporary homes popular with dual-income professionals commuting to West LA, standard jumbo territory. Real talk: you're not getting into any neighborhood here without solid income documentation and at least 10-20% down.
The commute situation is what makes Agoura Hills work for people who can afford it. You're 47 minutes to downtown LA, 37 minutes to Santa Monica, about an hour to Long Beach. That Santa Monica commute is the key number because so many tech, entertainment, and healthcare jobs cluster on the Westside. The 101 freeway runs right through town, and you can hit Ventura County or the Valley without dealing with the worst LA traffic patterns. If you're working at UCLA Health, Kaiser West LA, or Northrop Grumman in Woodland Hills, your commute stays under 30 minutes most days. That's rare in Southern California, and it's a big part of why people justify the mortgage payment.
The employment picture here is about proximity more than local jobs. Las Virgenes Unified School District is the largest employer in town, but most buyers work elsewhere and commute out. Pepperdine University sits just over the hill in Malibu, Northrop Grumman has operations in nearby Woodland Hills, Kaiser Permanente and UCLA Health pull people to West LA. Amgen's Thousand Oaks headquarters is 15 minutes west. The buyer profile is typically dual-income professional households: tech, aerospace, healthcare, entertainment industry. You're not buying here on a single $80K salary, you need that $150K+ household income to qualify for a $1M+ mortgage and still have room to breathe. The job stability in aerospace and healthcare sectors means lenders feel comfortable with the debt-to-income ratios they see from Agoura Hills buyers.
Common questions from Agoura Hills 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 Agoura Hills 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 Agoura Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Agoura Hills buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Agoura Hills 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 Agoura Hills 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 Agoura Hills families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Agoura Hills properties fall within conforming limits, maximizing your financing options.
For Agoura Hills'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 Agoura Hills. 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 Agoura Hills. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Agoura Hills. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Agoura Hills 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 Agoura Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Agoura Hills buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Agoura Hills. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Agoura Hills 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 Agoura Hills 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Agoura Hills properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Agoura Hills 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 Agoura Hills 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 Agoura Hills families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Agoura Hills. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Agoura Hills. 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 Agoura Hills'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 Agoura Hills is $1,250,000 for 2025, which covers most homes in this market. This higher limit reflects Los Angeles County's elevated housing costs and means you can purchase up to that amount with as little as 3.5% down. With the median home price around $1.2M, most properties in Agoura Hills fall comfortably within FHA lending limits.
Most buyers in Agoura Hills won't need a jumbo loan since the conforming limit is $1,250,000 and the median home price is $1.2M. However, if you're looking at properties above $1.25M, you'll need jumbo financing, which typically requires 10. 20% down and stronger credit. About 20. 30% of homes in the area fall into jumbo territory, particularly larger estates or premium locations.
For 2025, Los Angeles County's conforming loan limit is $1,250,000, with FHA and VA limits matching at $1,250,000. These limits are reviewed annually and typically adjust based on home price trends, so 2026 limits will be announced in late 2025. The current limits cover the vast majority of homes in Agoura Hills and surrounding areas.
Yes, VA loans are an excellent option in Agoura Hills with a loan limit of $1,250,000 and no down payment required for eligible veterans. This covers most homes in the area since the median price is $1.2M. VA loans also don't require mortgage insurance, which can save you hundreds monthly compared to conventional or FHA financing.
Our No Money Down program offers $0 down payment for qualified buyers in Agoura Hills, making homeownership more accessible even in this upper. middle market. CalHFA programs provide down payment and closing cost assistance with various income limits that work well for established professionals in the area. Los Angeles County also offers programs for first. time buyers, though many Agoura Hills buyers find conventional loans with 5. 10% down or our zero. down options most practical.
For a typical $1.2M home in Agoura Hills, you can put down as little as 3.5% ($42,000) with FHA or 5% ($60,000) with conventional financing. Many established professionals in the area choose to put down 10. 20% ($120,000. $240,000) to avoid PMI and secure better rates. VA. eligible buyers and those using our No Money Down program can purchase with $0 down.
Most lenders require a minimum credit score of 620 for conventional loans in Agoura Hills, though 680+ will get you significantly better rates on homes in this price range. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. Given the $1.2M median price, aiming for 700+ will give you the strongest financing options and save thousands in interest.
Look for a lender experienced with Agoura Hills' upper. middle market who can handle both conforming and jumbo loans since you might encounter properties on either side of $1.25M. Compare rates, but also consider responsiveness and expertise with first. time jumbo borrowers, as many buyers in this area are navigating larger loan amounts for the first time. A local lender familiar with Los Angeles County programs and quick closings in competitive markets can make a significant difference.
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