Mortgage broker serving Bellflower, 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 Bellflower buyers, we match your unique situation to the right program.
Bellflower offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Bellflower 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 Bellflower home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Bellflower starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Bellflower 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 Bellflower 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 Bellflower 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
Standard option for Bellflower buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Bellflower. Low down payment gets you into most properties here.
$0 down for Bellflower veterans. VA loans cover all properties with no PMI required.
Bellflower business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Bellflower. State assistance helps with down payment and closing costs.
Premium Bellflower homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Bellflower sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Bellflower investors. Buy rentals in entity names.
Conforming refinance for Bellflower homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Bellflower. Easiest way to lower your existing FHA rate.
VA streamline refi for Bellflower veterans. Fastest way to reduce your mortgage payment.
Turn Bellflower home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Bellflower homeowners. Access equity without replacing first mortgage.
Bellflower owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Bellflower investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Bellflower projects. Short-term financing for value-add investments.
Multifamily options for Bellflower investors. Finance apartment buildings with commercial loans.
Bellflower investors use hard money for quick closes. Higher rate but fast funding.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Bellflower buyers with qualifying income.
CalHFA programs popular in Bellflower. State assistance helps with down payment and closing costs.
Bellflower has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Bellflower buyers. Down payment assistance with no repayment.
Bellflower family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Bellflower purchases. Family member income boosts 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
Bellflower sits in Southeast LA County, about 15 miles from downtown Los Angeles. Population is 33,377, median household income $56,685. Here's the thing though - the homeownership rate is just 28%, way below California's average, and when you see the $825K median home price, you understand why. A household making $56K needs to stretch pretty hard to qualify for an $825K mortgage, which is why most residents here rent. If you're looking to buy in Bellflower, you're probably making more than the median or you've got a serious down payment saved up.
The school situation is middle of the road but stable. Bellflower High scores a 6, Washington Elementary pulls a 7, and Intensive Learning Center sits at 6. These aren't the ratings that drive bidding wars, but they're serviceable for families who prioritize location and commute over top-tier schools. The low homeownership rate means you won't have as many owner-occupied neighbors with long-term stakes in the community compared to other LA suburbs. But if you can afford to buy here, you're getting into the LA market without going all the way out to the Inland Empire. That matters when you're weighing monthly payments against quality of life and commute times.
Where you buy in Bellflower determines how much house you get and what loan structure works. Bellflower Park is your entry point at $720K-$880K, central location with a mix of original ranch homes and updated properties. Conventional loans with 10-20% down are standard here for buyers who want in at the lower end. Carmenita runs $750K-$900K, tree-lined streets with single-family homes and some condos, popular with families who can scrape together the down payment. Lakewood Village goes $780K-$950K, mid-century homes plus newer builds, and you're closer to recreational facilities and job centers. Woodruff is the top tier at $800K-$1.1M, larger lots that attract move-up buyers who've built equity elsewhere in Southeast LA. At these price points, you're looking at jumbo territory once you cross $806K, so your down payment and credit score really matter.
The commute situation is actually Bellflower's biggest selling point when you're trying to justify that $825K price tag. You're 29 minutes to downtown LA, 19 minutes to Long Beach, 30 minutes to Irvine, 38 minutes to Santa Monica. That's legitimately convenient access to multiple job markets without the soul-crushing drives you get from Riverside or Palmdale. Local transit exists but most buyers here are driving. If you work in Long Beach or central LA and you're tired of renting, Bellflower lets you own property while keeping your commute under 30 minutes. That's what you're really paying for at this price point.
Bellflower Unified School District is the biggest employer, followed by Kaiser Permanente Bellflower and Lakewood Regional Medical Center on the healthcare side. LA County Sheriff's Department provides public sector jobs, and there's a Walmart Distribution Center for logistics work. St. John Bosco High School rounds out the employment base. Real talk though, most buyers purchasing homes here aren't working locally. They're commuting to better-paying jobs in LA, Long Beach, or Orange County and choosing Bellflower because it keeps them close to work without forcing them into a $1.2M mortgage in Torrance or Manhattan Beach. The local economy is stable but not driving home prices. Location is.
Common questions from Bellflower 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 Bellflower 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 Bellflower: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Bellflower buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Bellflower 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 Bellflower 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 Bellflower 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 Bellflower properties fall within conforming limits, maximizing your financing options.
For Bellflower'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 Bellflower. 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 Bellflower. 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 Bellflower. 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 Bellflower 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 Bellflower: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Bellflower buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Bellflower. 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 Bellflower 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 Bellflower 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 Bellflower properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Bellflower 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 Bellflower 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 Bellflower families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Bellflower. 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 Bellflower. 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 Bellflower'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 Bellflower is $1,250,000 for 2025, which covers most homes in the area since the median price is around $825,000. This higher limit means you can use FHA financing with just 3.5% down on the majority of properties available. FHA loans are particularly popular in Bellflower for both first. time buyers and those looking to maximize their purchasing power with lower down payments.
Most Bellflower buyers won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $825,000. You'll only need jumbo financing if you're purchasing a home above $1.25 million, which represents a small portion of the local market. The high conforming limits in Los Angeles County give you access to better rates and terms on most properties.
For 2025, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Bellflower and all other cities in the county. The 2026 limits haven't been announced yet, but they're typically released in late 2025 and often adjust based on home price trends.
Yes, VA loans are very competitive in Bellflower with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. This limit covers the vast majority of homes in the area, making VA financing an excellent option if you qualify. VA loans also don't require mortgage insurance, which can save you hundreds of dollars monthly compared to other low. down. payment options.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Bellflower's market. Beyond that, CalHFA offers down payment assistance programs with grants and deferred. payment junior loans, while Los Angeles County provides additional programs for first. time buyers and moderate. income households. With Bellflower's median income at $56,685 and a low 28% homeownership rate, these programs can be crucial for breaking into the market.
Down payments in Bellflower vary by loan type: conventional loans can go as low as 3% ($24,750 on an $825,000 home), FHA requires 3.5% ($28,875), and VA or USDA loans offer $0 down for qualified buyers. With median home prices around $825,000, many buyers combine down payment assistance programs to reduce their upfront costs. Your specific down payment will depend on your loan type, credit profile, and whether you qualify for assistance programs.
Most Bellflower buyers can qualify with a credit score of 580 for FHA loans (3.5% down) or 500 with 10% down, while conventional loans typically require 620 or higher for the best terms. VA loans are often accessible with scores around 580. 620, though individual lenders may have different requirements. If you're aiming for a home near the $825,000 median price, a score of 640 or above will give you access to more competitive rates and program options.
Look for a lender experienced with Bellflower's market who can navigate the area's $600K. $900K price range and offer multiple loan options including FHA, VA, and conforming products. Compare rates, but also consider their knowledge of down payment assistance programs and their ability to close on time in a competitive market. The right lender should understand Los Angeles County's higher loan limits and help you maximize your buying power whether you're a first. time buyer or moving up.
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