Mortgage broker serving Barstow, 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 Barstow buyers, we match your unique situation to the right program.
Barstow provides affordable options for buyers who leverage the right loan programs.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Barstow 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 Barstow home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Barstow starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Barstow 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 Barstow 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 Barstow 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 |
| FHA | 3.5% minimum | 580+ | First-time buyers, lower credit. Limit: $832,750 |
| VA | $0 | No minimum | Veterans, active military - best 0% down option |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time Barstow buyers, income-qualified |
| Conventional | 3% | 620+ | Good credit, faster closing than FHA |
Questions? Call (510) 589-4096 or email info@agoodlender.com
USDA loans are ideal for Barstow. Zero down payment for rural properties. Income limits apply.
Most Barstow buyers use FHA. 3.5% down payment with 580+ credit. Easiest path to homeownership.
CalHFA plus local DPA can cover full down payment in Barstow. Stack programs for maximum assistance.
VA loans are perfect for Barstow. Zero down, no PMI, and every property qualifies.
Maximum local DPA available in Barstow. Combine city, county, and state programs.
Every Barstow home qualifies for conforming financing. Best rates with good credit.
Bridge loans help Barstow owners transition between homes. Short-term gap financing.
Barstow investors use LLC financing. Entity ownership for asset protection.
USDA streamline refinance for Barstow. Lower your rate with minimal paperwork.
Most Barstow refinances use FHA streamline. No appraisal, no income docs, fast closing.
Barstow veterans should use VA IRRRL. Streamline your refinance with zero hassle.
Conforming refinance rates for all Barstow properties. Straightforward rate-and-term refi.
Cash-out refinance available for Barstow homeowners. Convert equity to cash for any need.
Home equity loans available in Barstow. Fixed rate second mortgage against equity.
Investment properties in Barstow use DSCR loans. Rental income drives qualification.
Rehab loans available in Barstow. Fix-and-flip financing covers purchase plus renovation.
Hard money available for Barstow deals. Fast closing for investment properties.
Barstow apartment buildings use multifamily financing. Commercial loan programs available.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Barstow buyers with qualifying income.
USDA loans are ideal for Barstow. Zero down payment for rural properties. Income limits apply.
CalHFA plus local DPA can cover full down payment in Barstow. Stack programs for maximum assistance.
Maximum local DPA available in Barstow. Combine city, county, and state programs.
Maximum grant assistance for Barstow. Elite and local programs reduce buyer costs.
Gift of equity works for Barstow family sales. Seller discount becomes buyer's down payment.
Co-borrower option for Barstow buyers. Family member can help you qualify.
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
Barstow sits right at the crossroads of I-15 and I-40 in the Mojave Desert, about 115 miles northeast of LA. Population is 25,235, median household income $52,200. The homeownership rate here is 43.1%, lower than the state average, which tells you this is more of a transient community tied to logistics and military work. At $252,500 median home price, you're looking at one of the most affordable entry points in Southern California where a household earning $50-60K can actually qualify for a mortgage without stretching to the breaking point.
The school situation here is pretty straightforward. Barstow High pulls a 6 rating, Henderson Elementary gets a 7, and Cameron Elementary sits at 6. These aren't trophy scores, but they're functional schools that serve the community. Here's the thing - if you're buying in Barstow, you're probably prioritizing affordability and proximity to work over top-tier schools. The lower homeownership rate means more rental properties in the market, which can actually work in your favor if you're a first-time buyer competing against fewer owner-occupants. When you're ready to sell, understand that families here tend to move more frequently than in higher-priced markets, so you'll want to price competitively.
Where you buy in Barstow really depends on whether you want community amenities or pure desert space. Ridgecrest Heights runs $240K-$280K with newer construction and mountain views, popular with military families stationed at Fort Irwin - VA loans are common here and sellers know how to work with them. Lenwood sits along the Mojave River corridor at $220K-$270K, offering ranch-style homes that attract conventional buyers looking for established neighborhoods. Daggett goes rural at $180K-$240K with larger lots for buyers who want elbow room - cash deals and land loans are more common out here since some properties don't fit standard conforming loan boxes. Yermo is your entry point at $160K-$220K near Calico Ghost Town, where FHA loans dominate because first-time buyers can get in with minimal down payment on these affordable properties.
Barstow's location is both its biggest asset and its defining limitation. You're at the junction of I-15 and I-40, which makes this a major logistics hub but also means you're 111 minutes from LA on a good day. That commute is brutal if you're doing it daily, and it's exactly why homes here cost half what they do in the Inland Empire. Local transit exists but this is really a car town. Most people who buy here either work locally at the Marine base, the rail yards, or in logistics, or they've accepted that remote work lets them trade location for a mortgage payment under $1,500 a month. If you're commuting regularly to LA or San Bernardino, think hard about whether the drive is worth the savings.
The job market here revolves around logistics and military operations. Marine Corps Logistics Base Barstow is the anchor employer, bringing stable government jobs and military families who use VA loans. BNSF Railway runs major operations through town since Barstow is a critical rail junction between LA and the rest of the country. Barstow Unified School District, Barstow Community Hospital, and Walmart's distribution center round out the major employers. Real talk - this isn't a diversified economy, and that affects long-term property values. But if you work in one of these sectors or you're military, buying here makes financial sense because your job stability is solid and your housing costs stay manageable. The transient nature of the population means you'll see more turnover in the market, which can create opportunities for buyers willing to jump on foreclosures or short sales.
Common questions from Barstow 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 Barstow 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 Barstow: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Barstow buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Barstow 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 Barstow 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 Barstow 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 Barstow properties fall within conforming limits, maximizing your financing options.
For Barstow'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 Barstow. 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 Barstow. 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 Barstow. 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 Barstow 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 Barstow: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Barstow buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Barstow. 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 Barstow 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 Barstow 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 Barstow properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Barstow 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 Barstow 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 Barstow families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Barstow. 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 Barstow. 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 Barstow'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 Barstow is $690,000 for 2025. Since Barstow's median home price is around $253,000, this limit comfortably covers nearly all homes in the area. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
You won't need a jumbo loan in Barstow. With a conforming loan limit of $833,000 and most homes priced well under $300,000, standard conventional, FHA, and USDA loans will cover your purchase. Jumbo loans are only necessary when buying above the conforming limit, which is extremely rare in this market.
For 2026, San Bernardino County loan limits are $833,000 for conforming and VA loans, and $690,000 for FHA loans. These limits apply throughout the county, including Barstow. USDA loans don't have a set maximum but are based on your income and the home's location in eligible rural areas.
Yes, VA loans are available in Barstow with a loan limit of $833,000, which covers all local homes. Veterans and active military can buy with $0 down, no PMI, and competitive rates. VA loans are an excellent option here since they don't require down payments on homes well below the limit.
Our No Money Down program offers $0 down payment for qualified buyers in Barstow. USDA loans are particularly strong here since Barstow qualifies as a rural area, offering zero down for eligible buyers. CalHFA programs and San Bernardino County DPA options can also provide down payment and closing cost assistance for first. time and low. to. moderate income buyers.
You can buy a Barstow home with as little as $0 down using USDA or VA loans if you qualify. FHA loans require just 3.5% down (about $8,855 on a $253,000 home), while conventional loans typically need 3. 5% down. With down payment assistance programs, many buyers purchase without using their own funds for the down payment.
You can qualify for an FHA loan in Barstow with a credit score as low as 580, or even 500 with 10% down. USDA loans typically require a 640 minimum, while conventional loans prefer 620 or higher. Many Barstow buyers successfully purchase in the 580. 640 range using FHA financing.
Choose a lender experienced with Barstow's rural market who can navigate USDA loans and local down payment assistance programs. Look for someone who understands the needs of budget. conscious buyers and can compare FHA, USDA, and conventional options side. by. side. Local expertise matters since Barstow's rural designation opens up financing options that urban. focused lenders might overlook.
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