Mortgage broker serving Calabasas, 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 Calabasas buyers, we match your unique situation to the right program.
Calabasas's market straddles the $1.25M limit, requiring strategic loan structuring.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Calabasas 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 Calabasas home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Calabasas starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Calabasas 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 Calabasas 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 Calabasas 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 Calabasas home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Calabasas 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 Calabasas.
Self-employed? Calabasas bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Calabasas properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Calabasas buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Calabasas buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Calabasas moves. Purchase before your current home sells.
Entity financing for Calabasas investors. Purchase in LLC for asset protection.
Calabasas loans under $1.25M get conforming refinance rates. Best rates available.
Access Calabasas home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Calabasas homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Calabasas veterans. Lower your rate without appraisal or income docs.
Calabasas home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Calabasas homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Calabasas can use DSCR financing. Rental income qualifies the loan.
Calabasas rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Calabasas apartment buildings. Commercial rates for larger properties.
Hard money financing for Calabasas 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 Calabasas buyers with qualifying income.
CalHFA programs can help Calabasas first-time buyers. Check income limits for eligibility.
Calabasas family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Calabasas. Family member income helps qualification.
Check Calabasas 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
Calabasas sits in the Santa Monica Mountains about 30 miles northwest of downtown LA. Population is 23,106, median household income $154,079. The homeownership rate here is 69.1%, and at $1.43M median home price, you're looking at one of the most expensive real estate markets in Southern California. This isn't entry-level territory. You'll need serious income or equity to qualify here, but what you're buying is proximity to LA without the density, top-tier schools, and a community where property values have held strong through multiple market cycles.
The schools here are a major reason people stretch their budgets to buy in Calabasas. Bay Laurel Elementary, Chaparral Elementary, Lupin Hill Elementary, and Round Meadow Elementary all serve the area, with A.E. Wright Middle School handling the middle grades. The Las Virgenes Unified School District consistently ranks among the best in California, which directly impacts your property value and resale potential. When you're paying $1.4M+, you want to know the schools justify that price tag, and here they do. Families buy in and stay put, which is why that homeownership rate sits near 70% despite the high cost of entry.
Here's the thing about Calabasas neighborhoods. They're all expensive, but the loan structure varies based on what you're buying. The Oaks is the gated celebrity enclave where you'll see homes starting around $1.4M and climbing well into jumbo territory, often requiring 20-25% down on conventional jumbo loans to get decent rates. Mountain View Estates offers hillside properties in that same $1.4M range, attracting buyers who want views and privacy without the full gated community premium. Calabasas Park Estates is the established neighborhood where you'll find slightly older inventory at similar price points, sometimes with better lot sizes. All three areas require jumbo financing for most buyers, and lenders will want to see strong income documentation and reserves given the loan amounts involved.
The commute situation is actually one of Calabasas's selling points at this price level. You're 39 minutes to downtown LA, 29 minutes to Santa Monica, which means you can work in the city without living in it. The 101 Freeway is your main artery, and while it gets congested, you're positioned on the west side where traffic flows better than the inland routes. Real talk, if you're financing a $1.4M home, you're probably not commuting to an office every day anyway. Remote work or flexible schedules are common here, and the proximity to major employment centers in West LA and the Valley means when you do need to go in, it's manageable.
The local economy leans corporate and entertainment. Walt Disney Company and Bank of America have significant presence here, which tells you something about the buyer profile. You've got high earners in media, entertainment, finance, and tech who want suburban space without leaving LA County. The area has corporate centers and office parks that keep some employment local, but most buyers here are pulling income from broader LA basin jobs. When you're applying for a jumbo loan in this market, lenders look hard at income stability and debt-to-income ratios. The good news is property values here have been resilient, so if you can qualify and close, you're buying into a market with strong historical appreciation.
Common questions from Calabasas 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 Calabasas 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 Calabasas: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Calabasas buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Calabasas 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 Calabasas 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 Calabasas 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 Calabasas properties fall within conforming limits, maximizing your financing options.
For Calabasas'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 Calabasas. 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 Calabasas. 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 Calabasas. 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 Calabasas 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 Calabasas: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Calabasas buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Calabasas. 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 Calabasas 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 Calabasas 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 Calabasas properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Calabasas 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 Calabasas 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 Calabasas families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Calabasas. 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 Calabasas. 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 Calabasas'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 Calabasas is $1,250,000 for 2025, which covers many homes in this premium Los Angeles County market. However, with the median home price around $1.4M, you'll find that many properties exceed this limit. For homes priced above $1.25M, you'll need to consider conventional or jumbo loan options instead.
It depends on your purchase price. With conforming loan limits at $1,250,000 in Calabasas, you can use a high. balance conventional loan for homes at or below that threshold. Since the median home price is $1.4M and typical properties range from $1.25M to $2M, you'll likely need a jumbo loan for most purchases in this premium market.
For 2025 (2026 limits aren't yet announced), Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These high. balance limits reflect the county's expensive housing market. Calabasas falls under these same limits, giving you strong conventional financing options before needing to consider jumbo products.
Yes, VA loans are available in Calabasas with a loan limit of $1,250,000 for 2025. If you're an eligible veteran or service member, you can purchase with $0 down up to that amount. For homes priced above $1.25M, you can still use a VA loan but you'll need to make a 25% down payment on the amount exceeding the limit.
Our No Money Down program offers $0 down payment for qualified buyers purchasing in Calabasas. Given the premium pricing in this market, down payment assistance options like CalHFA programs may be limited since most properties exceed typical DPA income and price caps. However, some lower. priced properties near the $1.25M range might qualify for county programs, so it's worth exploring your specific situation.
For conventional loans, you'll typically need 10% to 20% down, which means $125,000 to $250,000 on a $1.25M home or $140,000 to $280,000 at the $1.4M median price. FHA loans require just 3.5% down (about $44,000 on a $1.25M property), while VA loans offer $0 down for eligible buyers. Jumbo loans for higher. priced properties usually require at least 10% to 20% down depending on the lender.
Most conventional lenders prefer a 680+ credit score for Calabasas's premium market, with 700+ giving you better rates on high. balance and jumbo loans. FHA loans can work with scores as low as 580, though you'll face stricter requirements on properties at the $1.25M limit. Given that typical buyers are dual. income professionals, most have credit scores in the 700s, which positions them well for competitive rates.
Look for a lender experienced with high. balance conforming and jumbo loans, since Calabasas properties often require these products. You'll want someone who can clearly explain your options across the $1.25M loan limit threshold and offer competitive rates for larger loan amounts. Compare at least three lenders, focusing on their experience with premium Los Angeles County properties and their ability to close on time in this competitive market.
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