Mortgage broker serving Burbank, 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 Burbank buyers, we match your unique situation to the right program.
The Burbank market requires jumbo loan expertise for homes above the $1.25M threshold.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Burbank 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 Burbank home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Burbank starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Burbank 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 Burbank 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 Burbank homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| 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 Burbank home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Burbank prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Burbank.
Self-employed? Burbank bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Burbank properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Burbank buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Burbank buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Burbank moves. Purchase before your current home sells.
Entity financing for Burbank investors. Purchase in LLC for asset protection.
Burbank loans under $1.25M get conforming refinance rates. Best rates available.
Access Burbank home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Burbank homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Burbank veterans. Lower your rate without appraisal or income docs.
Burbank home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Burbank homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Burbank can use DSCR financing. Rental income qualifies the loan.
Burbank rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Burbank apartment buildings. Commercial rates for larger properties.
Hard money financing for Burbank commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Burbank buyers with qualifying income.
CalHFA programs can help Burbank first-time buyers. Check income limits for eligibility.
Burbank family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Burbank. Family member income helps qualification.
Check Burbank city programs for additional DPA. May stack with CalHFA for more help.
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
Burbank sits in the heart of the San Fernando Valley, population 106,389, median household income $91,455. At $1.31M median home price, this is what you pay for an 18-minute commute to downtown LA and a backyard that backs up to major studios. The homeownership rate is only 43.3%, way below California's average, because most properties here require serious income to qualify. You're looking at needing roughly $200K household income to comfortably afford the median home with a conventional loan, which explains why so many people rent here instead.
The schools are a major reason families stretch their budgets to buy here instead of renting forever. Walt Disney Elementary pulls a 9 rating, John Burroughs High also a 9, Providencia Elementary an 8, Burbank High an 8. These aren't just good scores, they're consistently high across the district, which directly impacts your resale value when you eventually sell. Families who buy in Burbank tend to stay put through high school graduation, so you're competing with fewer listings when good properties hit the market. The school quality is baked into that $1.31M median price, but it also means your property holds value better than surrounding Valley communities with weaker districts.
Where you buy in Burbank determines whether you need a jumbo loan or can squeeze by with a conforming conventional. Magnolia Park runs $1.1M-$1.6M for craftsman homes and bungalows, and you'll see a mix of conventional and jumbo loans depending on your down payment situation. Downtown Burbank condos and townhomes go $800K-$1.4M, which is your best shot at a conforming loan if you've got 20% down on something under $1.1M. Rancho is where the entertainment money lives, $1.4M-$2.2M hillside properties that almost always require jumbo financing. Toluca Lake is the top end, $1.8M-$3.5M, where you're definitely in jumbo territory and competing with industry executives paying cash or putting down 30-40%. The neighborhood you target completely changes your financing strategy and what kind of income documentation you'll need.
Here's the thing about Burbank: that 18-minute commute to downtown LA is worth about $400K in mortgage value compared to living in Palmdale or Lancaster. You're also 36 minutes to Santa Monica, 43 to Long Beach, 62 to Irvine. Burbank Airport means you can park and be at your gate in 20 minutes instead of the LAX nightmare. The location is why people tolerate that 43.3% homeownership rate and sky-high prices. If you work in entertainment, media, or anywhere in central LA, you're saving 90 minutes a day compared to living in affordable parts of the Inland Empire. That's time you get back with your family, and it's why buyers here justify the bigger mortgage payment.
The employment situation is what makes Burbank's prices sustainable instead of speculative. Warner Bros., Disney, Nickelodeon Animation, and NBCUniversal aren't going anywhere, and they pay the kind of salaries that support $1.3M home prices. Providence Saint Joseph Medical Center and Burbank Unified School District add stability beyond entertainment industry volatility. Real talk: if you work at one of the studios, you'll see coworkers who rent forever and coworkers who bought years ago and are sitting on massive equity. The job concentration here means lenders view Burbank employment favorably when underwriting your loan. And if you're in entertainment, living 10 minutes from the lot instead of 90 minutes from Simi Valley can actually affect your career trajectory and earning potential long-term.
Common questions from Burbank 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 Burbank 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 Burbank: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Burbank buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Burbank 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 Burbank 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 Burbank 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 Burbank properties fall within conforming limits, maximizing your financing options.
For Burbank'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 Burbank. 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 Burbank. 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 Burbank. 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 Burbank 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 Burbank: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Burbank buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Burbank. 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 Burbank 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 Burbank 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 Burbank properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Burbank 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 Burbank 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 Burbank families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Burbank. 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 Burbank. 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 Burbank'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 Burbank is $1,250,000 for 2025, which covers many homes in this market. This high. balance limit reflects Los Angeles County's premium housing costs. Keep in mind that with Burbank's median home price around $1.3M, you'll likely need a jumbo loan for properties above this threshold.
You'll need a jumbo loan if you're buying above $1,250,000 in Burbank, which is common since many homes range from $1.25M to $2M. Properties at or below the conforming limit of $1.25M can use high. balance conventional loans with better rates and terms. Your lender can help you compare jumbo versus conforming options based on your specific property price.
For 2025, Los Angeles County's conforming loan limit is $1,250,000, with FHA and VA limits matching at $1,250,000. The 2026 limits haven't been announced yet but are typically released in November 2025. Given Burbank's premium market, these high. balance limits help many buyers avoid jumbo financing.
Yes, eligible veterans and service members can use VA loans in Burbank with a limit of $1,250,000 and no down payment required. This works well for properties at or below that price point, though you'll need a jumbo VA loan for higher. priced homes. VA loans offer competitive rates and don't require mortgage insurance, making them an excellent option for qualified buyers.
Our No Money Down program offers $0 down payment for qualified buyers, which can be especially helpful in Burbank's premium market. CalHFA offers down payment assistance programs with various options including deferred. payment junior loans. While Burbank's higher price points may limit some DPA eligibility, programs exist for lower. priced properties and first. time buyers meeting income requirements.
Conventional loans typically require 5% to 20% down, which means $65,000 to $260,000 on Burbank's $1.3M median home price. FHA loans allow as little as 3.5% down ($45,500), while VA and our No Money Down program offer $0 down for qualified buyers. Putting down 20% helps you avoid mortgage insurance and strengthens your offer in this competitive market.
Most conventional loans in Burbank's premium market require a minimum credit score of 620, though 680+ gets you better rates. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. Given the typical buyer profile of dual. income professionals, aiming for 700+ will give you the most competitive financing options.
Look for a lender experienced with Burbank's premium market who can handle both high. balance conforming and jumbo loans effectively. Compare rates, fees, and closing timelines from multiple lenders, and ask about their experience with properties in the $1.25M to $2M range. A knowledgeable local lender will understand Los Angeles County's specific requirements and can help you close quickly in this competitive market.
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