Mortgage broker serving Banning, 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 Banning buyers, we match your unique situation to the right program.
Banning'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 Banning 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 Banning home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Banning starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Banning 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 Banning 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 Banning 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 Banning purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Banning. State programs reduce out-of-pocket costs significantly.
Veterans buy Banning homes with $0 down. Full VA benefits cover all properties here.
Many Banning properties qualify for USDA zero-down loans. Rural designation required.
All Banning properties qualify for conforming loans. 3% down minimum for first-time buyers.
Banning local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Banning homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Banning. Investors can purchase in entity names.
FHA streamline dominates Banning refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Banning veterans. No paperwork hassles, quick closing.
Many Banning homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Banning refinance qualifies for conforming rates. Best terms for rate reduction.
Banning owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Banning. Predictable payments for major expenses.
DSCR financing for Banning investors. Buy rentals based on property income potential.
Fix-and-flip financing for Banning investors. Buy distressed properties, renovate, sell.
Commercial hard money in Banning. Quick funding when timing is critical.
Multifamily loans available for Banning 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 Banning buyers with qualifying income.
CalHFA is a strong option for Banning. State programs reduce out-of-pocket costs significantly.
Banning local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Banning down payment help. Free money for qualified buyers.
Many Banning properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Banning benefit from gift of equity. No cash down payment needed.
Banning 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
Banning sits at the base of the San Gorgonio Pass in Riverside County, about 83 miles east of LA. Population is 29,929, median household income $54,083. The homeownership rate here is 71.3%, one of the highest in Southern California, and there's a reason for that. At $437K median home price, you're looking at one of the last affordable entry points in Riverside County where a household pulling in $50-60K can actually qualify for a conventional or FHA loan on a real house with a yard.
If you've got kids, you need to know what you're working with. Banning High pulls a 6 rating, Nicolet Middle also a 6, Central Elementary a 7. These aren't trophy scores, but they're stable and the district has been consistent. The real story is that 71.3% homeownership rate. That means most families buying here are staying put, which tells you something about community stability and long-term property values. When you're stretching to make that mortgage payment work, you want neighbors who are invested too, not a revolving door of renters.
Where you buy in Banning directly affects what loan products make sense and what your monthly payment looks like. Racquet Club Estates runs $380K-$520K, established homes with good bones that work well for conventional loans if you've got decent credit. Desert Park Estates is $420K-$580K, newer construction that first-time buyers love because everything's move-in ready and FHA loans are common here. Singing Hills hits $450K-$650K with larger custom homes on bigger lots, you're looking at conventional or possibly jumbo depending on your down payment. Highland Springs Ranch sits at $390K-$540K, tree-lined streets and solid family appeal, mix of FHA and conventional financing depending on the buyer.
The commute to LA is about 83 minutes on a decent day, straight shot west through the pass. That drive is exactly why Banning stays affordable while places closer in like Riverside and Corona have priced out regular working families. You've got local transit options for getting around town, but most people drive. Here's the thing: if you work remotely or have a job locally, you're getting Southern California living without the crushing mortgage payment. If you commute, you're trading windshield time for a house payment that won't eat your entire paycheck.
Banning Unified School District is the biggest employer, which means steady public sector work with benefits. San Gorgonio Memorial Hospital adds healthcare jobs that aren't going anywhere. The Morongo Band of Mission Indians provides casino and hospitality employment that's been reliable for years. City of Banning, Walmart Supercenter, and Stater Bros. Markets round out the local job base. The employment mix here is practical: education, healthcare, government, retail. Most buyers either work locally in these sectors or they're making the commute west to higher-paying jobs in the Inland Empire or LA basin, then coming home to a mortgage they can actually afford.
Common questions from Banning 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 Banning 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 Banning: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Banning buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Banning 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 Banning 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 Banning families purchase with minimal upfront cash.
2026 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Banning properties fall within conforming limits, maximizing your financing options.
For Banning'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 Banning. 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 Banning. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Banning. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Banning 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 Banning: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Banning buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Banning. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Banning 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 Banning 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 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Banning properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Banning 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 Banning 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 Banning families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Banning. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Banning. 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 Banning'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 Banning is $690,000 for 2026, which covers nearly all homes in the area since the median price is around $437K. This makes FHA loans an excellent option for first. time buyers looking at entry. level homes in the $300K. $450K range. You'll only need 3.5% down with a credit score as low as 580, making homeownership much more accessible.
You won't need a jumbo loan in Banning since most homes are priced well below the $833,000 conforming loan limit. With a median home price of $437K, you'll qualify for conventional, FHA, or VA financing with better rates and terms than jumbo loans offer. Jumbo loans would only be necessary if you're looking at luxury properties above $833K, which are rare in this market.
For 2026, Riverside County loan limits are $690,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits are more than sufficient for Banning's housing market, where typical homes range from $300K to $450K. The higher limits give you plenty of borrowing power even if you're looking at the upper end of the local market.
Yes, VA loans are available in Banning with a loan limit of $833,000, which covers all typical homes in the area. Veterans and active military can buy with $0 down, no mortgage insurance, and competitive rates on homes priced around the $437K median. VA loans are one of the best options for eligible buyers in this entry. level market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Banning's affordable market. CalHFA programs provide down payment and closing cost assistance with options like the MyHome Assistance Program offering 3.5% in deferred. payment junior loans. Riverside County also offers local DPA programs, and some areas of Banning may qualify for USDA loans with zero down for eligible rural properties.
You can buy a home in Banning with as little as 3.5% down using an FHA loan, which means about $15,000. $16,000 on a median. priced $437K home. VA loans and USDA loans offer $0 down for eligible buyers, and our No Money Down program can help qualified buyers purchase without any down payment. With down payment assistance programs, many first. time buyers in Banning can get into a home with minimal out. of. pocket costs.
You can qualify for an FHA loan in Banning with a credit score as low as 580, which is perfect for first. time buyers in this entry. level market. Conventional loans typically require a 620 minimum score, while VA loans are often approved with scores around 580. 620. If your score needs work, many local lenders offer credit improvement guidance to help you qualify for Banning's affordable homes.
Choose a lender experienced with Banning's entry. level market who understands FHA loans and down payment assistance programs that are crucial in this price range. Look for someone who can explain CalHFA, county DPA programs, and creative financing options for buyers with limited savings. The right lender will help you navigate the specific challenges of buying in a $300K. $450K market where maximizing assistance programs makes all the difference.
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