Mortgage broker serving Anaheim, 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 Anaheim buyers, we match your unique situation to the right program.
Anaheim's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Anaheim 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 Anaheim home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Anaheim starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Anaheim 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 Anaheim 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 Anaheim 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 |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $1,249,125 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Jumbo | 15-20% | 680+ | Properties exceeding $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
| Reverse Mortgage | N/A | No minimum | Homeowners 62+ tapping equity without payments |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Anaheim homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Anaheim with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Anaheim first-timers. 3.5% down, 580 credit minimum.
Higher-end Anaheim properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Anaheim's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Anaheim buyers.
Bridge loans help Anaheim buyers compete. Make non-contingent offers while selling current home.
Anaheim investment properties in LLC. Entity financing available for investors.
Most Anaheim mortgages qualify for conforming refinance. Lower your rate under the limit.
Anaheim homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Anaheim refinance with VA IRRRL. No appraisal, no income verification.
Anaheim HELOC options for home equity access. Credit line with variable rate draw period.
Anaheim FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Anaheim. Fixed payments unlike variable HELOC.
Anaheim rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Anaheim use fix-and-flip financing. Purchase plus rehab in one loan.
Anaheim apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Anaheim. 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 Anaheim buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Anaheim buyers.
Local Anaheim DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Anaheim buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Anaheim family purchases. Parents selling to children at discount.
Anaheim 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
Anaheim sits in the heart of Orange County with 347,111 residents and a median household income of $88,538. At $958K median home price, this isn't bargain territory, but you're paying for location in one of Southern California's most connected cities. The homeownership rate is 46.6%, lower than state average, which tells you this is a competitive market where renters are saving hard to break in. If you can qualify for a mortgage here, you're buying into Orange County's job market, schools, and infrastructure without the beach premium that pushes Newport or Huntington into the stratosphere.
Canyon High School pulls a 9 rating, Anaheim Hills Elementary an 8, El Rancho Charter Middle a 7. These are strong numbers that directly affect your property value and resale potential down the road. Families compete hard for homes in these school boundaries, which is why Anaheim Hills commands that $1.2M-$2.5M range. If you're stretching your budget to get into a better school zone, your lender will want to see stable income and solid reserves. The school quality here means you're not just buying a house, you're buying into a district that helps your home hold value even when the market softens.
Anaheim Hills runs $1.2M-$2.5M for custom hillside homes with mountain views and golf course access. You'll need a jumbo loan here, and lenders will scrutinize your debt-to-income ratio carefully at these price points. The Colony sits at $850K-$1.3M with its mid-century homes on tree-lined streets, popular with families who want walkability and character. Conventional loans with 20% down work well here if you've got $170K-$260K saved up. West Anaheim offers the entry point at $700K-$1.1M, close to Disney and major employers, where FHA loans can work if you're a first-timer with strong income but limited savings. East Anaheim runs $650K-$950K with newer construction, attracting buyers who want modern finishes without the Anaheim Hills premium. The neighborhood you pick determines not just your lifestyle but what loan products you can actually use and how much cash you'll need at closing.
You've got I-5, SR-91, SR-57, SR-241, and US-48 all running through or near Anaheim, which is why commute times stay reasonable. LA is 39 minutes, Irvine 23 minutes, Long Beach 33 minutes, Santa Monica 53 minutes. That freeway access is baked into your home price, but it also means you can work anywhere in Orange County or LA County without destroying your quality of life. If you're buying in West Anaheim near the freeways, expect some noise but also expect strong rental demand if you ever need to lease the place out. The connectivity here is a major reason Anaheim holds value even when other inland markets struggle.
The Walt Disney Company and Disneyland Resort dominate the employment landscape, along with Kaiser Permanente, Honda Center, and the Anaheim Union High School District. City of Anaheim itself is a major employer. The tourism and entertainment economy means lots of service jobs, but also corporate positions at Disney and healthcare careers at Kaiser. Here's the thing: that job diversity helps the housing market stay stable because you're not dependent on one industry. Lenders like seeing borrowers with jobs tied to established employers like Disney or Kaiser. If you work in hospitality or entertainment, be ready to show two years of steady income, because underwriters get nervous about seasonal or variable pay in this price range.
Common questions from Anaheim 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 Anaheim 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 Anaheim: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Anaheim buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Anaheim 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 Anaheim 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 Anaheim families purchase with minimal upfront cash.
2026 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Anaheim properties fall within conforming limits, maximizing your financing options.
For Anaheim'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 Anaheim. 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 Anaheim. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Anaheim. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Anaheim 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 Anaheim: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Anaheim buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Anaheim. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Anaheim 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 Anaheim 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 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Anaheim properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Anaheim 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 Anaheim 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 Anaheim families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Anaheim. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Anaheim. 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 Anaheim'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 Anaheim is $1,250,000 for 2025, which covers most homes in the area since the median price is around $958K. This higher limit makes FHA loans a viable option for many buyers in Orange County's competitive market. You'll need a minimum 3.5% down payment and a credit score of at least 580 to qualify.
Most buyers in Anaheim won't need a jumbo loan since the conforming limit is $1,250,000 and the median home price is $958K. However, if you're looking at higher. end properties above $1.25M, you'll need jumbo financing. Jumbo loans typically require larger down payments (usually 10. 20%) and stronger credit profiles than conforming loans.
For 2025, Orange County's loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits are updated annually and typically announced in November for the following year. The current limits reflect Orange County's status as a high. cost area and accommodate most home purchases in Anaheim's market.
Yes, VA loans are available in Anaheim with a loan limit of $1,250,000, covering most properties in the area. Eligible veterans and service members can benefit from 0% down payment and no PMI requirements. With the median home at $958K, VA loans are an excellent option for qualified military buyers in Orange County.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible in Anaheim's competitive market. CalHFA programs provide down payment and closing cost assistance with various income limits that work well for Orange County buyers. Orange County also offers local assistance programs for first. time buyers and moderate. income households purchasing in the area.
Down payments in Anaheim typically range from 3% to 20% depending on your loan type and financial situation. On the median $958K home, that's roughly $29K to $192K, though conventional loans allow as little as 3% down and FHA requires 3.5%. If you put down less than 20%, you'll pay mortgage insurance, but many buyers choose lower down payments to preserve cash reserves.
Most lenders require a minimum credit score of 620 for conventional loans in Anaheim, while FHA loans accept scores as low as 580. However, with home prices around $958K, you'll get better rates and terms with a score of 700 or higher. If you're considering a jumbo loan for properties above $1.25M, expect to need a score of at least 680. 700.
Look for a lender experienced with Anaheim's upper. middle market who understands Orange County's $900K. $1.25M price range and can handle both conforming and jumbo loans. Compare rates, fees, and closing timelines from multiple lenders, and ask about their experience with first. time jumbo borrowers since many Anaheim buyers fall into this category. A responsive local lender who can close quickly is valuable in Orange County's competitive market.
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