Mortgage broker serving Belvedere, 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 Belvedere buyers, we match your unique situation to the right program.
Financing in Belvedere's premium market demands lenders experienced with jumbo loans above $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Belvedere 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 Belvedere home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Belvedere starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Belvedere 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 Belvedere 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 Belvedere homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Belvedere home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Belvedere homes exceed the $1.25M limit. Jumbo financing is required for virtually all purchases here.
Belvedere buyers can qualify using investment portfolios. Asset depletion converts holdings to qualifying income.
Self-employed Belvedere buyers use bank deposits instead of tax returns. 12-24 months statements qualify.
Buy your next Belvedere home before selling. Bridge loans cover the gap between properties.
International buyers purchase Belvedere properties with foreign national loans. No US credit required.
Belvedere tech buyers use RSUs and stock options to qualify. Equity compensation counts as income.
Belvedere investors buy in LLC names. Asset protection with entity financing.
Belvedere homeowners can access equity for investments. Cash-out refi up to 80% LTV on jumbo.
Refinance Belvedere properties under $1.25M at conforming rates. Entry-level homes only.
HELOC access for Belvedere homeowners. Flexible credit line against substantial equity.
Home equity loans for Belvedere owners. Fixed-rate second mortgage against your equity.
VA IRRRL for Belvedere veterans. Refinance existing VA loan with no appraisal needed.
Belvedere investors can cash-out immediately after purchase. No seasoning required.
Belvedere investment properties qualify on rental income alone. DSCR loans skip employment verification.
Belvedere renovation projects get fix-and-flip financing. Short-term funding for major rehabs.
Multifamily financing for Belvedere apartment buildings. 5+ unit commercial loans available.
Hard money for Belvedere commercial deals. Fast funding when speed matters.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Belvedere buyers with qualifying income.
CalHFA assistance technically available but rarely used in Belvedere's luxury market.
Family property transfers in Belvedere use gift of equity. Seller gifts equity as down payment.
Parents can co-sign for Belvedere purchases. Non-occupant co-borrower boosts qualifying income.
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
Belvedere is a 2.1 square mile island community in Marin County, just across the Golden Gate from San Francisco. Population sits around 2,100, median household income $250K+, though that number doesn't tell the full story in a place where the median home price is $4.2M. The homeownership rate is 65%, and here's what that means: if you're looking at Belvedere, you're shopping in one of California's most exclusive markets where jumbo loans are the only game in town and your down payment alone will exceed what most people pay for an entire house.
Reed Union School District pulls a 9 rating, Del Mar Middle gets a 9, and Redwood High School scores a 9. These aren't just good schools, they're consistently ranked among the top in California, and that matters enormously for resale value when you're talking about multi-million dollar properties. Families who buy here stay here through the school years, which creates stability in a market where inventory is already tight. The truth is, in this price range, school quality isn't just about education, it's about protecting a seven-figure investment. When you're financing $3M to $8M, you need every factor working in your favor, and these school ratings do exactly that.
Every neighborhood here requires jumbo financing, but the loan structure changes based on where you buy. Belvedere Island runs $3M to $8M for waterfront estates with panoramic bay views, and you'll need 20-30% down plus significant reserves since lenders get cautious above $3M. Beach Road hits $4M to $12M for coveted waterfront with direct bay access, where you're looking at portfolio loans or relationship-based lending through private banks. San Rafael Avenue offers the relative bargain at $2.5M to $6M, mixing waterfront and hillside properties, still jumbo territory but easier to qualify for than the ultra-high end. Belvedere Lagoon tops out at $3.5M to $9M for custom homes with private docks, and at this level your lender will scrutinize every asset, income stream, and liquidity position you've got.
San Francisco sits 39 minutes away via Tiburon Boulevard and Highway 101, Oakland 40 minutes, and the ferry from nearby Tiburon gets you to downtown SF in 30 minutes on the water. That commute matters less here than in most markets because buyers at this price point often aren't commuting daily, but the proximity to San Francisco's financial district still drives value. You're paying for the ability to be in the city when you need to be while living in what feels like a private waterfront resort. The ferry access is actually a selling point that can affect appraisals, since waterfront properties with easy SF access command premiums that lenders recognize when they're structuring your jumbo loan.
The employment picture here is unique because most residents aren't working locally. The city itself, San Francisco Yacht Club, private wealth management firms, and real estate services provide some jobs, but the real story is that Belvedere residents typically earn their income in San Francisco's financial sector, tech, law, or medicine. When you're applying for a jumbo loan in this market, lenders want to see stable, verifiable, high-level income, usually $500K+ annually to comfortably qualify for properties in the $3M to $5M range. Many buyers here are also using significant assets beyond W-2 income, which means your mortgage broker needs to understand asset-based lending, stock option exercises, and how to document wealth that doesn't show up on a tax return. This isn't a market where conventional loan rules apply.
Common questions from Belvedere 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 Belvedere 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 Belvedere: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Belvedere buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Belvedere 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 Belvedere 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 Belvedere families purchase with minimal upfront cash.
2026 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Belvedere properties fall within conforming limits, maximizing your financing options.
For Belvedere'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 Belvedere. 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 Belvedere. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Marin County, and structure your purchase to minimize upfront costs.
You still have options in Belvedere. 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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Belvedere 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 Belvedere: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Belvedere buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Belvedere. 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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Belvedere 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 Belvedere 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 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Belvedere properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Belvedere 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 Belvedere 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 Belvedere families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Belvedere. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Marin County, and structure your purchase to minimize upfront costs.
You still have options in Belvedere. 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 Belvedere'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 2026 FHA loan limit for Belvedere (Marin County) is $1.25M for a single-family home. This is a high-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
It depends on the property. Belvedere's median home price is $4.2M, while the conforming loan limit is $1.25M. Properties above the limit require jumbo financing, while those under it can use conventional, FHA, or VA loans.
The 2026 Marin County loan limits are: FHA: $1.25M, VA: $1.25M, Conventional: $1.25M. Any loan amount above $1.25M is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Belvedere with $0 down payment. The 2026 VA loan limit for Marin County is $1.25M. For properties above this amount, you can still use a VA loan but will need a down payment on the amount exceeding the limit.
We provide same-day pre-approvals for most loan programs. Full loan approval and closing typically takes 21-30 days for conventional and jumbo loans, and 30-45 days for FHA and VA loans.
Down payment requirements vary by loan type: Conventional: 5-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For Belvedere's median price of $4.2M, most buyers put down 15-20%.
Minimum credit scores vary by loan type: FHA: 580, Conventional: 620, VA: typically 620, Jumbo: 680-700+. Higher credit scores qualify for better interest rates.
Look for a lender with California experience, strong communication, competitive rates, and the ability to close on time. We've been serving California homebuyers for 40+ years with senior loan officers who specialize in complex scenarios.
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