Mortgage broker serving Beverly Hills, 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 Beverly Hills buyers, we match your unique situation to the right program.
Beverly Hills's luxury market requires specialized jumbo financing expertise for properties well above the $1.25M conforming limit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Beverly Hills 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 Beverly Hills home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Beverly Hills starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Beverly Hills 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 Beverly Hills 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 Beverly Hills 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 Beverly Hills home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Beverly Hills homes exceed the $1.25M limit. Jumbo financing is required for virtually all purchases here.
Beverly Hills buyers can qualify using investment portfolios. Asset depletion converts holdings to qualifying income.
Self-employed Beverly Hills buyers use bank deposits instead of tax returns. 12-24 months statements qualify.
Buy your next Beverly Hills home before selling. Bridge loans cover the gap between properties.
International buyers purchase Beverly Hills properties with foreign national loans. No US credit required.
Beverly Hills tech buyers use RSUs and stock options to qualify. Equity compensation counts as income.
Beverly Hills investors buy in LLC names. Asset protection with entity financing.
Beverly Hills homeowners can access equity for investments. Cash-out refi up to 80% LTV on jumbo.
Refinance Beverly Hills properties under $1.25M at conforming rates. Entry-level homes only.
HELOC access for Beverly Hills homeowners. Flexible credit line against substantial equity.
Home equity loans for Beverly Hills owners. Fixed-rate second mortgage against your equity.
VA IRRRL for Beverly Hills veterans. Refinance existing VA loan with no appraisal needed.
Beverly Hills investors can cash-out immediately after purchase. No seasoning required.
Beverly Hills investment properties qualify on rental income alone. DSCR loans skip employment verification.
Beverly Hills renovation projects get fix-and-flip financing. Short-term funding for major rehabs.
Multifamily financing for Beverly Hills apartment buildings. 5+ unit commercial loans available.
Hard money for Beverly Hills 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 Beverly Hills buyers with qualifying income.
CalHFA assistance technically available but rarely used in Beverly Hills's luxury market.
Family property transfers in Beverly Hills use gift of equity. Seller gifts equity as down payment.
Parents can co-sign for Beverly Hills 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
Beverly Hills sits right in the heart of LA's Westside with a population of 32,406 and median household income of $116,771. But here's the thing - that median home price of $4.47M tells you this isn't your typical California market. The homeownership rate is just 42.9%, way below the state average, because most properties here require jumbo loans well beyond conforming limits. You're looking at a market where cash buyers and ultra-high-net-worth individuals dominate, and conventional financing caps out before you even get started in most neighborhoods.
If you're buying in Beverly Hills with kids, you're paying for some of the best public schools in LA County. Hawthorne Elementary, Horace Mann Elementary, and Beverly Vista Elementary all pull 9 ratings, while Beverly Hills High sits at an 8. These ratings matter because they directly impact resale value in a market where families will pay premium prices for top-tier education without going private. The school district is small and well-funded, which means class sizes stay manageable and programs stay strong. When you're dropping $3M-$5M on a home, knowing the schools will protect your investment matters just as much as the address itself.
Where you buy in Beverly Hills determines whether you need a $2M jumbo loan or a $15M private financing arrangement. Beverly Hills Gateway runs $1.5M-$4M for luxury condos and townhomes, and it's the only area where you might find something under $2M - jumbo loans work here if you've got 20-30% down and income to support a $12K-$20K monthly payment. The Flats go $2.5M-$5M+ for those tree-lined streets and iconic estates south of Sunset, mostly conventional jumbo territory with some portfolio loans for higher amounts. Trousdale Estates starts at $4M and climbs past $25M for gated modern architecture with city views - you're looking at portfolio loans and private banking relationships at this level. North of Sunset is $5M-$50M+ including Benedict Canyon, where most deals involve private financing, family trusts, or all-cash purchases because traditional lenders won't touch loans this size.
The commute to downtown LA is about 31 minutes, Santa Monica 22 minutes, which matters less here than in most markets because many residents work in entertainment, finance, or real estate with flexible schedules. You're centrally located on the Westside without the brutal commutes you'd face from the Valley or South Bay. Local transit exists but let's be real - at this price point most people aren't taking the bus. The location premium you pay keeps you close to Century City offices, Westside studios, and Santa Monica tech companies without sitting in two hours of daily traffic.
The City of Beverly Hills and Beverly Hills Unified School District provide stable public sector jobs, but the real economic engine here is luxury retail and entertainment. Rodeo Drive luxury retailers employ hundreds in high-end sales and management positions. Cedars-Sinai Medical Center offers healthcare jobs with serious earning potential - specialists and executives who can actually afford to live here. UTA and other talent agencies keep entertainment industry money flowing through the city. The Beverly Hills Hotel and other luxury hospitality properties round out the mix. Most homebuyers here work in entertainment, finance, medicine, or tech at executive levels, or they've built wealth through business ownership and real estate.
Common questions from Beverly Hills 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 Beverly Hills 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 Beverly Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Beverly Hills buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Beverly Hills 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 Beverly Hills 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 Beverly Hills 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 Beverly Hills properties fall within conforming limits, maximizing your financing options.
For Beverly Hills'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 Beverly Hills. 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 Beverly Hills. 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 Beverly Hills. 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 Beverly Hills 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 Beverly Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Beverly Hills buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Beverly Hills. 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 Beverly Hills 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 Beverly Hills 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 Beverly Hills properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Beverly Hills 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 Beverly Hills 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 Beverly Hills families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Beverly Hills. 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 Beverly Hills. 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 Beverly Hills'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 Beverly Hills is $1.25M for 2025. However, with a median home price of $4.5M, most properties here far exceed FHA limits, making jumbo loans the standard financing option for this ultra. luxury market.
Yes, you'll almost certainly need a jumbo loan in Beverly Hills since most homes are priced at $3M or higher. With the conforming loan limit at $1.25M and the median home price at $4.5M, jumbo financing is the standard for this market.
For 2025, Los Angeles County loan limits are $1.25M for conforming, FHA, and VA loans. The 2026 limits typically aren't announced until late 2025, but given Beverly Hills's ultra. luxury market where homes average $4.5M, jumbo loans remain the primary financing tool regardless of limit changes.
Yes, eligible veterans can use VA loans in Beverly Hills with a limit of $1.25M without a down payment. However, since most Beverly Hills homes are priced well above this at $3M+, you'd need to cover the difference with a substantial down payment, making jumbo loans more practical for this market.
Our No Money Down program offers $0 down payment for qualified buyers. However, given Beverly Hills's $4.5M median home price and ultra. luxury market, most buyers here don't qualify for traditional DPA programs like CalHFA due to income limits that cap eligibility well below the typical high. net. worth buyer profile in this area.
For jumbo loans in Beverly Hills, you'll typically need 20% to 30% down, which means $900K to $1.35M on the $4.5M median home price. Many Beverly Hills buyers put down significantly more or pay cash entirely, as 42.9% of residents own their homes and most transactions involve high. net. worth individuals.
For jumbo loans in Beverly Hills's ultra. luxury market, you'll typically need a credit score of at least 700, with most lenders preferring 720 or higher. Given the complex income situations and large loan amounts common here, lenders scrutinize overall financial strength beyond just credit scores.
In Beverly Hills's ultra. luxury market, choose a lender with extensive jumbo loan experience who understands complex income documentation for high. net. worth individuals. Look for someone who can handle loan amounts well above $1.25M, offers competitive rates on large balances, and has relationships with private banks that cater to the unique financial profiles common in this $4.5M median price market.
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