Mortgage broker serving Calexico, 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 Calexico buyers, we match your unique situation to the right program.
Calexico's market offers opportunity for buyers who understand their financing options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Calexico 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 Calexico home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Calexico starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Calexico 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 Calexico 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 Calexico 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 Calexico purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Calexico. State programs reduce out-of-pocket costs significantly.
Veterans buy Calexico homes with $0 down. Full VA benefits cover all properties here.
Many Calexico properties qualify for USDA zero-down loans. Rural designation required.
All Calexico properties qualify for conforming loans. 3% down minimum for first-time buyers.
Calexico local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Calexico homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Calexico. Investors can purchase in entity names.
FHA streamline dominates Calexico refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Calexico veterans. No paperwork hassles, quick closing.
Many Calexico homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Calexico refinance qualifies for conforming rates. Best terms for rate reduction.
Calexico owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Calexico. Predictable payments for major expenses.
DSCR financing for Calexico investors. Buy rentals based on property income potential.
Fix-and-flip financing for Calexico investors. Buy distressed properties, renovate, sell.
Commercial hard money in Calexico. Quick funding when timing is critical.
Multifamily loans available for Calexico 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 Calexico buyers with qualifying income.
CalHFA is a strong option for Calexico. State programs reduce out-of-pocket costs significantly.
Calexico local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Calexico down payment help. Free money for qualified buyers.
Many Calexico properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Calexico benefit from gift of equity. No cash down payment needed.
Calexico 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
Calexico sits right on the Mexican border in [Imperial](/mortgage-loans-and-refinance-in-imperial-ca) County, about 120 miles east of [San Diego](/mortgage-loans-and-refinance-in-san-diego-ca). Population is 38,599, median household income $51,667. The homeownership rate here is 50.6%, which is actually lower than you'd expect for a place where the median home price is $420K. Here's the thing: this is a border economy town where your buying power depends heavily on understanding the local market dynamics. If you're tied to the cross-border economy or work for federal agencies, the math can work in your favor.
The school ratings here are middle of the road but stable. Calexico High pulls a 6, Blanche Charles Elementary hits a 7, Jefferson and Dool both sit at 6. Not the numbers that'll make your house appreciate overnight, but the district is funded and functional. If you're buying with kids, factor in that Calexico Unified is the largest employer in town, which means the schools aren't going anywhere. That stability matters when you're locking into a 30-year mortgage. The family neighborhoods like Nosotros attract buyers who plan to stay put, and that community stability helps protect your property value even if the ratings don't wow you on paper.
Where you buy in Calexico makes a real difference in what loan products you'll use. Downtown Calexico runs $320K-$480K, older homes near the port of entry that work well for FHA loans if you're a first-time buyer willing to take on some updates. Nosotros hits $380K-$520K with mid-century homes on bigger lots, solid conventional loan territory for families who want established trees and space. Villa Del Sol is the newer option at $450K-$580K, modern builds with energy-efficient features that appraise clean and qualify easily for conventional financing. El Centro Road Area sits at $350K-$500K, mix of old and new construction that attracts both FHA buyers on the lower end and conventional buyers on the higher end. Your loan officer will tell you the newer construction in Villa Del Sol is easier to finance, but you'll pay for that convenience.
Real talk: Calexico isn't a commuter town to San Diego or LA. You're looking at 216 minutes to Los Angeles on a theoretical good day, which means nobody's doing that drive daily. The people who buy here either work locally or cross the border regularly for business or family. Local transit exists but most folks drive. The isolation is exactly why homes here stay at $420K instead of $720K like you'd see in East County San Diego. If your job is tied to the border, customs, agriculture, or local government, you're trading geographic isolation for a mortgage payment that won't crush you. If you need to commute to a major metro regularly, this isn't your spot.
The employment picture here is all about the border and public sector work. Calexico Unified School District is the top employer, followed by City of Calexico and Imperial County government jobs. U.S. Customs and Border Protection is huge here, and those federal jobs come with steady paychecks that lenders love to see on mortgage applications. Heffernan Memorial Hospital District and Walmart Distribution Center round out the major employers. The job market is stable but not growing fast, which keeps home prices reasonable but also means appreciation won't be explosive. If you've got a federal job or work in education or healthcare, your income stability makes you a strong borrower here even if the household income numbers look low compared to coastal California.
Common questions from Calexico 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 Calexico 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 Calexico: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Calexico buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Calexico 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 Calexico 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 Calexico 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 Calexico properties fall within conforming limits, maximizing your financing options.
For Calexico'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 Calexico. 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 Calexico. 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 Calexico. 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 Calexico 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 Calexico: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Calexico buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Calexico. 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 Calexico 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 Calexico 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 Calexico properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Calexico 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 Calexico 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 Calexico families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Calexico. 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 Calexico. 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 Calexico'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 Calexico is $541,000 for 2025, which is well above the typical home prices in the area. Since most homes in Calexico range from $300K to $450K, FHA loans work great here and are the most popular option for first. time buyers. With just 3.5% down and flexible credit requirements, FHA is ideal for Calexico's entry. level market.
No, you won't need a jumbo loan in Calexico since the median home price is around $420K and most homes sell between $300K and $450K. The conforming loan limit in Imperial County is $833,000, so virtually all homes here qualify for standard conventional, FHA, or VA financing. Jumbo loans are rarely needed in this affordable, entry. level market.
For 2025, Imperial County loan limits are $541,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits typically adjust annually based on home price trends, and 2026 limits will be announced in late 2025. Given Calexico's median price of $420K, current limits provide plenty of room for buyers in this market.
Yes, VA loans are available in Calexico with a generous loan limit of $833,000, covering all homes in the area. If you're a qualified veteran or active military, VA loans offer 0% down, no PMI, and competitive rates. This is an excellent option for service members buying in Calexico's affordable market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Calexico. CalHFA programs provide down payment and closing cost assistance with options up to 3.5% or more, and Imperial County may offer additional local DPA programs for first. time buyers. Some areas of Calexico may also qualify for USDA loans with zero down, so it's worth exploring all your options.
You can buy a home in Calexico with as little as 0% down through VA, USDA, or our No Money Down program if you qualify. FHA loans require just 3.5% down (about $14,700 on a $420K home), while conventional loans typically need 3% to 5% down. With median incomes around $51,667, down payment assistance programs are crucial and widely used here.
Most FHA lenders in Calexico accept credit scores as low as 580 for 3.5% down, and some allow scores down to 500 with 10% down. Conventional loans typically require a 620 minimum, while VA loans can be more flexible. Given that FHA dominates this market, buyers with scores in the 580. 620 range can still qualify and should explore their options.
Look for a Calexico lender who specializes in FHA loans and down payment assistance programs, since these are critical in this entry. level market. They should understand Imperial County's specific programs, have experience with first. time buyers earning around the median income, and offer clear guidance on maximizing your buying power. Compare rates, but also prioritize lenders who can navigate DPA options and close on time.
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