Mortgage broker serving Anderson, 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 Anderson buyers, we match your unique situation to the right program.
Anderson's market offers opportunity for buyers who understand their financing options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Anderson 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 Anderson home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Anderson starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Anderson 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 Anderson 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 Anderson 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 Anderson purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Anderson. State programs reduce out-of-pocket costs significantly.
Veterans buy Anderson homes with $0 down. Full VA benefits cover all properties here.
Many Anderson properties qualify for USDA zero-down loans. Rural designation required.
All Anderson properties qualify for conforming loans. 3% down minimum for first-time buyers.
Anderson local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Anderson homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Anderson. Investors can purchase in entity names.
FHA streamline dominates Anderson refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Anderson veterans. No paperwork hassles, quick closing.
Many Anderson homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Anderson refinance qualifies for conforming rates. Best terms for rate reduction.
Anderson owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Anderson. Predictable payments for major expenses.
DSCR financing for Anderson investors. Buy rentals based on property income potential.
Fix-and-flip financing for Anderson investors. Buy distressed properties, renovate, sell.
Commercial hard money in Anderson. Quick funding when timing is critical.
Multifamily loans available for Anderson 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 Anderson buyers with qualifying income.
CalHFA is a strong option for Anderson. State programs reduce out-of-pocket costs significantly.
Anderson local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Anderson down payment help. Free money for qualified buyers.
Many Anderson properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Anderson benefit from gift of equity. No cash down payment needed.
Anderson 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
Anderson sits in Shasta County, about 10 miles south of [Redding](/mortgage-loans-and-refinance-in-redding-ca) in California's North State. Population is 11,267, median household income $45,896. The homeownership rate here is 51.2%, right in the middle for the region. At $369,900 median home price, this is one of the most affordable spots in Northern California where you can still get a single-family home with actual yard space. For a household earning around $45-50K, you're looking at FHA or conventional with lower down payment options that can actually work.
If you're buying with kids in mind, the school ratings are decent for what you're paying. Anderson High pulls a 6 rating, Anderson Elementary a 7, Meadow Lane Elementary a 6. Not the top scores in California, but when you're buying homes in the $300Ks instead of $700Ks, you're getting solid public education for half the mortgage payment. The district has been stable, and that matters when you're thinking about resale value five or ten years down the road. Families who buy here tend to stay put, which means your neighbors aren't constantly turning over. That stability shows up when appraisers look at comparable sales in your area.
Where you buy in Anderson affects what loan products make sense and what your monthly payment looks like. Central Anderson runs $310K-$390K, historic core with vintage homes and tree-lined streets near Anderson River Park. FHA loans are popular here for first-time buyers who want character without breaking the bank. North Anderson sits at $320K-$420K, quiet residential streets with mature trees and single-family homes. Conventional loans with 5-10% down work well in this range. East Anderson offers $350K-$450K, ranch-style homes on larger lots with hill views and easy freeway access. West Anderson is the newer development area at $380K-$480K, modern homes in planned communities near I-5 shopping. This is where you'll see more conventional financing and buyers putting down 10-20% who want newer construction without the Bay Area price tag.
Here's the thing about Anderson. You're not commuting to San Francisco or LA from here. The drive to SF is over three hours, LA is nearly eight. This is a local market, which is exactly why it stays affordable. I-5 runs right through town, so you've got easy access north to Redding or south to Red Bluff and Chico. Most people who buy here either work in Redding, have remote jobs, or are employed locally. That isolation from the Bay Area job market is what keeps your mortgage payment under $2,000 instead of $4,500. If you need to be in a major metro regularly, this won't work. But if you can work locally or remotely, you're getting California living at prices that disappeared elsewhere a decade ago.
The job market here is anchored by education and healthcare, which means steady employment even when the economy wobbles. Anderson Union High School District and Shasta County Office of Education are major employers. Mercy Medical Center Redding and Shasta Regional Medical Center provide healthcare jobs with decent benefits. Walmart's distribution center adds logistics and warehouse work. City of Anderson itself employs a fair number of people in public sector roles. The economy isn't booming, but it's stable. Most buyers here work in education, healthcare, retail, or government. That median household income of $45,896 lines up pretty well with what lenders see as qualifying income for homes in the $320K-$420K range with FHA or conventional financing.
Common questions from Anderson 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 Anderson 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 Anderson: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Anderson buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Anderson 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 Anderson 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 Anderson families purchase with minimal upfront cash.
2026 Shasta County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Anderson properties fall within conforming limits, maximizing your financing options.
For Anderson'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 Anderson. 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 Anderson. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Shasta County, and structure your purchase to minimize upfront costs.
You still have options in Anderson. 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 Shasta County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Anderson 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 Anderson: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Anderson buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Anderson. 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 Shasta County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Anderson 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 Anderson 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 Shasta County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Anderson properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Anderson 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 Anderson 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 Anderson families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Anderson. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Shasta County, and structure your purchase to minimize upfront costs.
You still have options in Anderson. 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 Anderson'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 Anderson is $541,000 for 2026. This is well above Anderson's median home price of $370,000, so FHA loans work great for nearly all homes in the area. FHA is the most popular loan type here because it only requires 3.5% down and accepts credit scores as low as 580.
You won't need a jumbo loan in Anderson. With conforming and FHA loan limits at $833,000 and $541,000 respectively, and most homes priced between $300,000 and $450,000, standard loan programs will cover your purchase. Jumbo loans are rarely used in this market.
For 2026 in Shasta County, the conforming loan limit is $833,000, the FHA limit is $541,000, and the VA limit is $833,000. These limits are more than sufficient for Anderson's housing market where the median home price is $370,000.
Yes, VA loans are available in Anderson with a loan limit of $833,000, which covers all homes in the area. If you're a veteran or active military, VA loans offer 0% down with no mortgage insurance, making them an excellent option even though FHA is more commonly used here.
Our No Money Down program offers $0 down payment for qualified buyers in Anderson. CalHFA programs are game. changers here, providing down payment and closing cost assistance for first. time buyers. Some areas of Anderson may also qualify for USDA loans with zero down, and Shasta County may offer additional local assistance programs for buyers earning around the median income of $45,896.
You can buy a home in Anderson with as little as 3.5% down using an FHA loan, which means around $13,000 to $16,000 on a typical home. However, with down payment assistance programs widely available here, many first. time buyers put down $0 using our No Money Down program or CalHFA assistance.
You can qualify for an FHA loan in Anderson with a credit score as low as 580, or even 500 with 10% down. Most lenders prefer to see scores around 620 or higher for the best rates and program options. If your score needs work, many local buyers improve their credit while saving for their down payment.
Choose a lender experienced with Anderson's entry. level market who knows FHA loans and down payment assistance programs inside and out. Look for someone who understands CalHFA, local DPA options, and can help first. time buyers navigate the process with limited savings. A lender familiar with Shasta County's specific programs will save you thousands compared to a big bank that doesn't specialize in this market.
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