Mortgage broker serving Artesia, 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 Artesia buyers, we match your unique situation to the right program.
Artesia buyers compete in a market where strong financing and quick pre-approval win offers.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Artesia 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 Artesia home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Artesia starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Artesia 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 Artesia 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 Artesia 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 Artesia homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Artesia with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Artesia first-timers. 3.5% down, 580 credit minimum.
Higher-end Artesia properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Artesia's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Artesia buyers.
Bridge loans help Artesia buyers compete. Make non-contingent offers while selling current home.
Artesia investment properties in LLC. Entity financing available for investors.
Most Artesia mortgages qualify for conforming refinance. Lower your rate under the limit.
Artesia homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Artesia refinance with VA IRRRL. No appraisal, no income verification.
Artesia HELOC options for home equity access. Credit line with variable rate draw period.
Artesia FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Artesia. Fixed payments unlike variable HELOC.
Artesia rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Artesia use fix-and-flip financing. Purchase plus rehab in one loan.
Artesia apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Artesia. 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 Artesia buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Artesia buyers.
Local Artesia DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Artesia buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Artesia family purchases. Parents selling to children at discount.
Artesia 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
Artesia sits in southeast LA County, tucked between Cerritos and Lakewood, about 20 miles from downtown LA. Population is 16,237, median household income $92,702. The homeownership rate here is 51.8%, below the state average, and that tells you something. At $912,500 median home price, you're looking at a market where most buyers need solid income and down payment to qualify. This is one of those small cities where you're paying for location and school access, not square footage.
The school situation is actually one of the main reasons people stretch their budgets to buy here. Carmenita Middle pulls an 8 rating, Artesia High a 7, Burbank Luther Elementary a 7. These are solid scores that directly impact your resale value when you go to sell. And here's the thing - you're also close to Whitney High School's historic campus, which matters if you've got kids approaching high school age. Families who buy here tend to stay put through the school years, which creates neighborhood stability. That matters when you're putting down 10-20% and planning to stay long enough to build real equity.
Where you buy in Artesia affects your loan options and monthly payment pretty dramatically. Central Artesia runs $780K-$980K, mostly post-war homes with bigger lots and mature trees - conventional loans work if you can handle the down payment. Artesia Park sits at $800K-$950K, attracts young families using conventional or FHA depending on their down payment situation. South Artesia goes $850K-$1.1M, mix of ranch-style and newer builds near Pioneer Boulevard shopping - you'll see conventional and jumbo loans here. North Artesia is the top end at $920K-$1.2M, borders Cerritos and pulls move-up buyers who need jumbo financing for the larger properties. Real talk, at these price points you're looking at household income in the six figures to qualify comfortably.
The commute situation is one of Artesia's biggest selling points when you're weighing the mortgage payment against quality of life. You're 32 minutes to downtown LA, 22 minutes to Long Beach, 30 minutes to Irvine, 41 minutes to Santa Monica. That's reasonable access to multiple job centers without the soul-crushing drives you get from the Inland Empire or High Desert. Local transit exists but most people drive. The location means you can work in LA, Orange County, or locally and still get home at a decent hour. That flexibility matters when you're committing to a $900K mortgage and need job options if things change.
The employment base here is pretty diverse, which helps with long-term property values. ABC Unified School District and LA County Office of Education provide steady public sector jobs. Kaiser Permanente Bellflower Medical Center and Cerritos College add healthcare and education stability. UPS Cerritos Hub brings logistics jobs, Knott's Berry Farm adds hospitality and entertainment. The mix means you're not dependent on one industry keeping property values up. Most buyers here work within a 30-minute radius or commute to LA proper. That $92,702 median household income reflects the fact that you need real earning power to qualify for homes at this price point.
Common questions from Artesia 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 Artesia 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 Artesia: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Artesia buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Artesia 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 Artesia 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 Artesia 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 Artesia properties fall within conforming limits, maximizing your financing options.
For Artesia'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 Artesia. 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 Artesia. 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 Artesia. 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 Artesia 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 Artesia: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Artesia buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Artesia. 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 Artesia 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 Artesia 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 Artesia properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Artesia 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 Artesia 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 Artesia families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Artesia. 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 Artesia. 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 Artesia'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 Artesia is $1,250,000 for 2025, which covers most homes in this market. With a median home price around $913,000, you'll find that FHA financing works well for the majority of properties here. You'll need a minimum 3.5% down payment and a credit score of at least 580 to qualify.
Most buyers in Artesia won't need a jumbo loan since the conforming limit is $1,250,000 and the median home price is $913,000. However, if you're looking at higher. end properties above $1.25 million, you'll need jumbo financing. Jumbo loans typically require larger down payments (usually 10. 20%) and stronger credit profiles than conforming loans.
For 2025, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Artesia and allow you to finance most homes in the area with conventional terms. The 2026 limits haven't been announced yet, but they're typically adjusted each fall based on home price trends.
Yes, VA loans are available in Artesia with a loan limit of $1,250,000, which covers most homes in the area. Eligible veterans and service members can finance properties up to this amount with $0 down and no mortgage insurance. This is an excellent option if you qualify, especially given Artesia's median home price of $913,000.
Our No Money Down program offers $0 down payment for qualified buyers in Artesia. You can also explore CalHFA programs that provide down payment and closing cost assistance for first. time and repeat buyers. Los Angeles County may offer additional local programs depending on your income level, which can be particularly helpful given the area's $913,000 median home price.
Down payments in Artesia typically range from 3% to 20% depending on your loan type. For a home at the $913,000 median price, that's $27,390 to $182,600. Conventional loans require as little as 3% down, FHA loans need 3.5%, and VA loans offer $0 down for eligible veterans, while jumbo loans usually require at least 10. 20%.
Most lenders in Artesia require a minimum credit score of 620 for conventional loans, though FHA loans may accept scores as low as 580. Given the area's upper. middle market with homes around $913,000, you'll get better rates and terms with a score of 700 or higher. If you're considering a jumbo loan for properties above $1.25 million, expect to need at least 680. 700.
Look for a lender experienced with Artesia's upper. middle market who can handle both conforming and jumbo loans since properties here range around $900K to $1.25M. Compare rates, fees, and loan options, but also consider responsiveness and expertise with first. time jumbo borrowers. A local lender familiar with Los Angeles County programs and the area's diverse buyer profile can make your transaction smoother.
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