Mortgage broker serving Blythe, 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 Blythe buyers, we match your unique situation to the right program.
Blythe provides starter home opportunities for buyers using FHA and assistance programs.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Blythe 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 Blythe home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Blythe starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Blythe 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 Blythe 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 Blythe 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 Blythe buyers, income-qualified |
Questions? Call (510) 589-4096 or email info@agoodlender.com
USDA loans are ideal for Blythe. Zero down payment for rural properties. Income limits apply.
Most Blythe buyers use FHA. 3.5% down payment with 580+ credit. Easiest path to homeownership.
CalHFA plus local DPA can cover full down payment in Blythe. Stack programs for maximum assistance.
VA loans are perfect for Blythe. Zero down, no PMI, and every property qualifies.
Maximum local DPA available in Blythe. Combine city, county, and state programs.
Every Blythe home qualifies for conforming financing. Best rates with good credit.
Bridge loans help Blythe owners transition between homes. Short-term gap financing.
Blythe investors use LLC financing. Entity ownership for asset protection.
USDA streamline refinance for Blythe. Lower your rate with minimal paperwork.
Most Blythe refinances use FHA streamline. No appraisal, no income docs, fast closing.
Blythe veterans should use VA IRRRL. Streamline your refinance with zero hassle.
Conforming refinance rates for all Blythe properties. Straightforward rate-and-term refi.
Cash-out refinance available for Blythe homeowners. Convert equity to cash for any need.
Home equity loans available in Blythe. Fixed rate second mortgage against equity.
Investment properties in Blythe use DSCR loans. Rental income drives qualification.
Rehab loans available in Blythe. Fix-and-flip financing covers purchase plus renovation.
Hard money available for Blythe deals. Fast closing for investment properties.
Blythe 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 Blythe buyers with qualifying income.
USDA loans are ideal for Blythe. Zero down payment for rural properties. Income limits apply.
CalHFA plus local DPA can cover full down payment in Blythe. Stack programs for maximum assistance.
Maximum local DPA available in Blythe. Combine city, county, and state programs.
Maximum grant assistance for Blythe. Elite and local programs reduce buyer costs.
Gift of equity works for Blythe family sales. Seller discount becomes buyer's down payment.
Co-borrower option for Blythe 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
Blythe sits right on the California-Arizona border where the Colorado River cuts through the desert, about 230 miles east of LA. Population is 17,949, median household income $52,377. The homeownership rate here is 56%, and the median home price is $160K. Let that sink in - $160K in California. This is one of the most affordable markets left in the state, where a household earning $50-60K can actually qualify for a conventional loan on a single-family home without stretching into dangerous debt-to-income territory.
If you're buying with kids in mind, the school ratings are middle of the pack but stable. Felix J. Appleby Elementary and Margaret White Elementary both pull 6 ratings, while Palo Verde High School hits a 7. Not going to compete with coastal districts, but the schools are functional and the district isn't shrinking, which matters when you're thinking about property values five or ten years out. The low home prices here mean you can buy a decent-sized house and still have money left over for private tutoring or extracurriculars if that's your priority. Families who buy here tend to be looking for affordability first, and the school situation is good enough that it won't kill your resale value when you eventually move.
Where you buy in Blythe directly affects your down payment needs and loan options. Donovan Estates runs $40K-$80K for single-family homes on larger lots with mature trees, and at those prices you can go conventional with 5-10% down and still keep your monthly payment under $600. Yuma Heights is the newer development area at $50K-$90K, popular with families who want modern construction and easy Highway 95 access. FHA works great here for first-timers. Downtown Blythe is the entry point at $20K-$60K, a mix of older homes and some commercial properties near the river. You'll see cash buyers and investors here, but FHA loans can work if the property passes inspection. River District is the premium zone at $30K-$200K depending on water access. Properties with actual river frontage or boat access hit that higher end, and conventional loans are standard for anything over $100K.
Here's the thing about Blythe. You're not commuting to LA or San Diego from here. The drive to LA is about 3.5 hours on I-10, which makes daily commuting impossible. This is a local employment market, and that geographic isolation is exactly why homes cost $160K instead of $600K. Highway 95 runs north-south through town connecting you to Parker and Lake Havasu City across the border in Arizona. If you work remotely or have a job in town, you're getting California residency and desert living at prices that haven't existed in most of the state since the 1990s. The trade-off is you're pretty far from major metro amenities, but your mortgage payment reflects that distance.
The employment base here is anchored by public sector and agriculture. Palo Verde Unified School District is the largest employer, followed by Palo Verde Hospital and Desert Valley Hospital for healthcare jobs. California Department of Corrections runs a facility nearby that provides steady government employment with benefits. Riverside County Government also employs a fair number of residents. Hacienda Hay Company represents the agricultural side, which is still significant in the Palo Verde Valley. The job market isn't growing fast, but it's stable, and that stability shows up in consistent property values. Most buyers here work locally in education, healthcare, corrections, or agriculture. The income levels match the home prices, which means lending ratios actually work without creative financing.
Common questions from Blythe 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 Blythe 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 Blythe: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Blythe buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Blythe 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 Blythe 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 Blythe 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 Blythe properties fall within conforming limits, maximizing your financing options.
For Blythe'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 Blythe. 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 Blythe. 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 Blythe. 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 Blythe 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 Blythe: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Blythe buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Blythe. 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 Blythe 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 Blythe 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 Blythe properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Blythe 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 Blythe 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 Blythe families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Blythe. 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 Blythe. 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 Blythe'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 Blythe is $690,000 for 2025. Since Blythe's median home price is around $160,000, this limit provides plenty of room for most buyers in the area. You'll find FHA loans work well here, especially when paired with down payment assistance programs.
No, you won't need a jumbo loan in Blythe. With a median home price around $160,000 and conforming loan limits at $833,000, virtually all homes in Blythe fall well below the threshold. Standard FHA, VA, or USDA loans will cover your purchase.
For 2025, Riverside County's loan limits are $833,000 for conforming and VA loans, and $690,000 for FHA loans. These limits are more than sufficient for Blythe's affordable market, where most homes are priced well under $300,000. USDA loans don't have a set maximum but are based on your income and the home's location.
Yes, VA loans are available in Blythe with a loan limit of $833,000, which covers all local properties. Veterans and active military can buy with $0 down and no mortgage insurance. Given Blythe's affordable prices, a VA loan is an excellent zero. down option if you're eligible.
Our No Money Down program offers $0 down payment for qualified buyers in Blythe. USDA loans are particularly strong here since Blythe qualifies as a rural area, offering zero down with no income limits for the property location. CalHFA programs and Riverside County assistance can also help with down payments and closing costs for first. time buyers.
You can buy a Blythe home with as little as $0 down using USDA or VA loans. FHA loans require just 3.5% down, which is around $5,600 on a $160,000 home. With down payment assistance programs widely available, many Blythe buyers purchase without using their own savings.
You can qualify for an FHA loan in Blythe 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. Given Blythe's affordable prices, many buyers with modest credit can still qualify.
Look for a lender experienced with rural markets and zero. down programs like USDA, which are ideal for Blythe. Ask about their familiarity with down payment assistance and their ability to close on time. Compare rates and fees from multiple lenders, and choose one who understands the needs of budget. conscious, first. time buyers in affordable markets.
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