Mortgage broker serving Apple Valley, 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 Apple Valley buyers, we match your unique situation to the right program.
Apple Valley's affordable market creates unique opportunities that require the right financing strategy.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Apple Valley 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 Apple Valley home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Apple Valley starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Apple Valley 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 Apple Valley 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 Apple Valley 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 Apple Valley purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Apple Valley. State programs reduce out-of-pocket costs significantly.
Veterans buy Apple Valley homes with $0 down. Full VA benefits cover all properties here.
Many Apple Valley properties qualify for USDA zero-down loans. Rural designation required.
All Apple Valley properties qualify for conforming loans. 3% down minimum for first-time buyers.
Apple Valley local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Apple Valley homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Apple Valley. Investors can purchase in entity names.
FHA streamline dominates Apple Valley refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Apple Valley veterans. No paperwork hassles, quick closing.
Many Apple Valley homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Apple Valley refinance qualifies for conforming rates. Best terms for rate reduction.
Apple Valley owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Apple Valley. Predictable payments for major expenses.
DSCR financing for Apple Valley investors. Buy rentals based on property income potential.
Fix-and-flip financing for Apple Valley investors. Buy distressed properties, renovate, sell.
Commercial hard money in Apple Valley. Quick funding when timing is critical.
Multifamily loans available for Apple Valley 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 Apple Valley buyers with qualifying income.
CalHFA is a strong option for Apple Valley. State programs reduce out-of-pocket costs significantly.
Apple Valley local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Apple Valley down payment help. Free money for qualified buyers.
Many Apple Valley properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Apple Valley benefit from gift of equity. No cash down payment needed.
Apple Valley 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
Apple Valley sits in the High Desert about 90 miles northeast of LA. Population is 75,603, median household income $62,898. The homeownership rate here is 67.5%, well above the California average, and that's not an accident. At $420K median home price, this is one of the few places left in Southern California where a household earning $60-70K can actually qualify for a mortgage on a decent single-family home.
If you're buying with kids, the school situation matters for your long-term plans. Apple Valley High pulls a 6 rating, Rio Vista Elementary a 7, Vanguard Prep an 8. Not the highest scores in the state, but solid. The district has been stable, which matters when you're thinking about resale value down the road. Families tend to stay once they buy here. That 67.5% ownership rate means most of your neighbors have skin in the game too.
Where you buy affects what you'll pay and what kind of loan makes sense. Rancho Manzana runs $380K-$520K, mostly 80s and 90s custom builds on bigger lots with mountain views. Conventional loans work well here. Fairway Estates near the golf course has newer construction, $450K-$650K, attracts retirees using conventional or jumbo depending on the property. Country Club Heights offers space for RVs and horses on larger parcels, $350K-$480K. Apple Valley Ranchos is the entry point, $280K-$420K, mix of manufactured and stick-built. FHA loans are common here for first-time buyers.
The commute to LA runs about 98 minutes on a good day via I-15. That drive is the main reason Apple Valley stays affordable while places like Rancho Cucamonga have priced out. SR-18 connects you to Victorville and the rest of the High Desert. If you work remotely or locally, you get Southern California weather without Southern California prices. If you commute, you're trading time for a mortgage payment that actually fits your budget. Local transit exists but most buyers here plan on driving.
The two school districts, Victor Valley Union High and Apple Valley Unified, are the largest employers, which gives the area steady public sector jobs. St. Mary Regional Medical Center and Walmart's distribution center add private sector stability. Town of Apple Valley itself employs a fair number of people. The job mix is pretty typical for a High Desert community: education, healthcare, retail, logistics. Most buyers here either work locally or make the commute to the Inland Empire or LA basin. That $62,898 median income lines up nicely with the $420K median home price for conventional financing.
Mojave Narrows Regional Park is your go-to for hiking and fishing, and it's a real asset when you're thinking about lifestyle value. The Apple Valley Golf Course isn't just scenery, it drives property values in Fairway Estates. Jess Ranch Marketplace handles your shopping needs without driving to Victorville. Horsemen's Center Park matters if you're looking at Country Club Heights properties with equestrian setups. Deep Creek Hot Springs is about 30 minutes out for weekend trips. The truth is, you're buying here for space and affordability, and these amenities make the High Desert lifestyle work.
Common questions from Apple Valley 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 Apple Valley 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 Apple Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Apple Valley buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Apple Valley 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 Apple Valley 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 Apple Valley 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 Apple Valley properties fall within conforming limits, maximizing your financing options.
For Apple Valley'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 Apple Valley. 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 Apple Valley. 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 Apple Valley. 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 Apple Valley 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 Apple Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Apple Valley buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Apple Valley. 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 Apple Valley 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 Apple Valley 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 Apple Valley properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Apple Valley 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 Apple Valley 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 Apple Valley families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Apple Valley. 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 Apple Valley. 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 Apple Valley'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 Apple Valley is $690,000 for 2026. This is more than enough for the typical home here, since most properties are priced between $300K and $450K. FHA loans are extremely popular in Apple Valley because they allow down payments as low as 3.5% and accept credit scores starting at 580.
No, you won't need a jumbo loan in Apple Valley. With a median home price of $420K and most homes ranging from $300K to $450K, you'll be well under the conforming loan limit of $833,000. FHA loans at $690K also cover the entire local market comfortably.
For 2026, San Bernardino County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits apply throughout the county, including Apple Valley, and easily accommodate the area's typical home prices of $300K to $450K.
Yes, VA loans are available in Apple Valley 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 fantastic benefits including $0 down payment, no PMI, and competitive interest rates. This is an excellent option for service members buying in this entry. level market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. CalHFA programs are also game. changers here, offering down payment and closing cost assistance for first. time buyers. San Bernardino County may have additional local programs, and some areas of Apple Valley might qualify for USDA loans with zero down.
You can buy a home in Apple Valley with as little as 3.5% down using an FHA loan, which means around $14,700 on a $420K home. However, many first. time buyers here use down payment assistance programs or VA loans to get in with even less. With the right program, you might qualify for $0 down.
You can qualify for an FHA loan in Apple Valley with a credit score as low as 580, which is perfect for first. time buyers still building credit. If your score is 500. 579, you'll need 10% down instead of 3.5%. Conventional loans typically require 620 or higher, but FHA's flexibility makes homeownership accessible for most buyers here.
Choose a lender experienced with Apple Valley's market who understands FHA loans and down payment assistance programs that are critical here. Look for someone who can explain CalHFA options and help first. time buyers navigate the process with limited savings. Compare rates, but also prioritize responsiveness and expertise with entry. level buyers, since the right guidance can save you thousands.
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