Mortgage broker serving Brawley, 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 Brawley buyers, we match your unique situation to the right program.
First-time buyers in Brawley need the right loan programs to maximize their purchasing power.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Brawley 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 Brawley home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Brawley starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Brawley 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 Brawley 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 Brawley 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 |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates Brawley purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Brawley. State programs reduce out-of-pocket costs significantly.
Veterans buy Brawley homes with $0 down. Full VA benefits cover all properties here.
Many Brawley properties qualify for USDA zero-down loans. Rural designation required.
All Brawley properties qualify for conforming loans. 3% down minimum for first-time buyers.
Brawley local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Brawley homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Brawley. Investors can purchase in entity names.
FHA streamline dominates Brawley refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Brawley veterans. No paperwork hassles, quick closing.
Many Brawley homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Brawley refinance qualifies for conforming rates. Best terms for rate reduction.
Brawley owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Brawley. Predictable payments for major expenses.
DSCR financing for Brawley investors. Buy rentals based on property income potential.
Fix-and-flip financing for Brawley investors. Buy distressed properties, renovate, sell.
Commercial hard money in Brawley. Quick funding when timing is critical.
Multifamily loans available for Brawley apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Brawley buyers with qualifying income.
CalHFA is a strong option for Brawley. State programs reduce out-of-pocket costs significantly.
Brawley local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Brawley down payment help. Free money for qualified buyers.
Many Brawley properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Brawley benefit from gift of equity. No cash down payment needed.
Brawley first-time buyers often use co-borrowers. Family help for 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
Brawley sits in the [Imperial](/mortgage-loans-and-refinance-in-imperial-ca) Valley about 120 miles east of [San Diego](/mortgage-loans-and-refinance-in-san-diego-ca), right in the heart of California's agricultural heartland. Population is 26,509, median household income $56,229. The homeownership rate here is 53.1%, which tells you something important: this is a real working community where people are buying homes, not just renting or passing through. At $415K median home price, you're looking at one of the most affordable paths to homeownership in Southern California, especially if you're willing to be two hours from the coast.
If you've got kids, the school ratings are middle of the road but stable. Brawley Union High pulls a 6, Magnolia Elementary scores a 7, and Phil D. Swing Elementary sits at a 6. These aren't the scores you'd see in coastal suburbs, but they reflect a district that's serving a working-class community consistently. The thing is, when you're buying at $415K instead of $800K in San Diego County, you've got money left over for tutoring, sports, or college savings. That homeownership rate above 50% means you're buying into a community where neighbors are invested long-term, which matters for property values and neighborhood stability.
Where you buy in Brawley affects your loan options and monthly payment more than you'd think. Donovan Estates runs $380K-$450K with established single-family homes on mature lots, perfect for conventional loans if you've got decent credit and 5-10% down. Cibola Heights is the newer build option at $400K-$480K, attracting families who want modern floor plans and don't mind paying a bit more for updated everything. Hazelwood Estates is your entry point at $350K-$420K with spacious lots and mixed architecture, and this is where FHA loans make the most sense for first-time buyers working with 3.5% down. The price spread isn't huge across neighborhoods, which means you're really choosing based on lot size and home age, not getting priced out of entire areas.
Real talk: Brawley isn't a commuter town to San Diego or LA. You're looking at over three hours to LA and even longer to San Francisco, so this only works if you're employed locally or work remotely. Local transit exists but you'll want a car for daily life. The upside is you're not paying coastal prices for the privilege of sitting in traffic two hours each way. If your job is in the Imperial Valley or you can work from home, you get to own a house for what people in San Diego pay just for a down payment. That isolation is exactly why the median home price stays under $450K while the rest of Southern California has lost its mind.
The employment base here is anchored by public sector and healthcare, which means steady if not spectacular. Brawley Union High School District and Imperial County provide consistent government jobs with benefits. Pioneers Memorial Healthcare District and Desert Valley Hospital offer healthcare employment that doesn't disappear in a recession. Imperial Valley College rounds out the education sector. The economy runs on agriculture, government, and healthcare, so you're not going to see tech salaries, but you're also not going to see tech-level housing costs. Most buyers here work locally or in nearby El Centro, and the mortgage math actually works on a $56K household income if you're disciplined about debt and down payment.
Common questions from Brawley 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 Brawley 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 Brawley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Brawley buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Brawley 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 Brawley 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 Brawley families purchase with minimal upfront cash.
2026 Imperial County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Brawley properties fall within conforming limits, maximizing your financing options.
For Brawley'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 Brawley. 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 Brawley. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Imperial County, and structure your purchase to minimize upfront costs.
You still have options in Brawley. 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 Imperial County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Brawley 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 Brawley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Brawley buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Brawley. 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 Imperial County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Brawley 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 Brawley 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 Imperial County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Brawley properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Brawley 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 Brawley 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 Brawley families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Brawley. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Imperial County, and structure your purchase to minimize upfront costs.
You still have options in Brawley. 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 Brawley'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 Brawley is $541,000 for 2026, which is well above the typical home prices in the area. Since most homes in Brawley range from $300K to $450K, you'll have plenty of room to use an FHA loan with just 3.5% down. This makes FHA financing an excellent option for first. time buyers in Imperial County.
No, you won't need a jumbo loan in Brawley since the median home price is around $415K and most homes sell between $300K and $450K. With conforming loan limits at $833,000 and FHA limits at $541,000, virtually all Brawley properties qualify for standard financing. Jumbo loans are rarely needed in this entry. level market.
For 2026, Imperial County loan limits are $541,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits easily cover Brawley's housing market where most homes are priced well below these thresholds. The higher limits give buyers plenty of financing options without needing specialty jumbo products.
Yes, VA loans are available in Brawley with a loan limit of $833,000, which covers all homes in the local market. If you're a qualified veteran or active military, VA loans offer 0% down with no mortgage insurance, making them one of the best options available. This can be a significant advantage in Brawley's entry. level market where saving for a down payment is often challenging.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Brawley. CalHFA programs provide down payment and closing cost assistance for first. time buyers, and some areas of Imperial County may qualify for USDA loans with zero down. With the median income at $56,229, most Brawley buyers qualify for maximum DPA benefits that can cover your entire down payment and reduce out. of. pocket costs significantly.
You can buy a Brawley home with as little as 3.5% down using an FHA loan, which means around $14,500 on a $415K home. However, many first. time buyers in Brawley use down payment assistance programs or our No Money Down program to reduce or eliminate this requirement entirely. VA. eligible buyers and those qualifying for USDA loans in certain areas can purchase with $0 down.
You can qualify for an FHA loan in Brawley with a credit score as low as 580 for 3.5% down, or even 500 with 10% down. Conventional loans typically require a 620 minimum score, while VA loans are often approved with scores around 580 to 620. Given Brawley's entry. level market and focus on first. time buyers, lenders here regularly work with buyers in the 580 to 680 range.
Choose a lender experienced with Brawley's entry. level market who understands FHA loans and down payment assistance programs that are crucial in Imperial County. Look for someone who can explain CalHFA, USDA, and local DPA options since these programs are game. changers for first. time buyers here. The right lender will help you navigate the specific challenges of buying in Brawley where maximizing assistance programs can make the difference between renting and owning.
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