Mortgage broker serving Calimesa, 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 Calimesa buyers, we match your unique situation to the right program.
Calimesa buyers compete in a market where strong financing and quick pre-approval win offers.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Calimesa 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 Calimesa home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Calimesa starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Calimesa 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 Calimesa 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 Calimesa 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 |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Jumbo | 15-20% | 680+ | Properties exceeding $832,750 |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
| Reverse Mortgage | N/A | No minimum | Homeowners 62+ tapping equity without payments |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Standard option for Calimesa buyers. Most homes under $833K with competitive rates.
Strong FHA option in Calimesa. Low down payment gets you into most properties here.
$0 down for Calimesa veterans. VA loans cover all properties with no PMI required.
Calimesa business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Calimesa. State assistance helps with down payment and closing costs.
Premium Calimesa homes over $833K require jumbo loans. Less common but available for luxury properties.
Calimesa sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Calimesa investors. Buy rentals in entity names.
Conforming refinance for Calimesa homeowners. Best rates for loans under $833K.
FHA streamline refinance for Calimesa. Easiest way to lower your existing FHA rate.
VA streamline refi for Calimesa veterans. Fastest way to reduce your mortgage payment.
Turn Calimesa home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Calimesa homeowners. Access equity without replacing first mortgage.
Calimesa owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Calimesa investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Calimesa projects. Short-term financing for value-add investments.
Multifamily options for Calimesa investors. Finance apartment buildings with commercial loans.
Calimesa investors use hard money for quick closes. Higher rate but fast funding.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Calimesa buyers with qualifying income.
CalHFA programs popular in Calimesa. State assistance helps with down payment and closing costs.
Calimesa has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Calimesa buyers. Down payment assistance with no repayment.
Calimesa family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Calimesa purchases. Family member income boosts 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
Calimesa sits right off I-10 in Riverside County, about 71 miles east of LA. Population is 10,366, median household income $74,236. The homeownership rate here is 89.6%, which is remarkable even by California standards. At $610K median home price, you're paying more than the Inland Empire average, but here's what you're getting: a small-town feel with golf course living, direct freeway access, and one of the highest ownership rates in the state. That 89.6% tells you people buy here and stay.
If you've got kids, you're looking at Beaumont Unified School District. Mesa Grande Elementary pulls a 7 rating, Mesa View Middle gets a 6, and Beaumont High also sits at a 6. These aren't top-tier scores, but they're solid and the district has been stable. The real story for families is that nearly 90% of your neighbors own their homes, which means stable neighborhoods and people invested in the community. When you're thinking about resale value five or ten years out, that ownership rate matters more than most buyers realize. Families who buy in Mesa Grande or the Singleton Road Corridor tend to stay put, which keeps the schools consistent and property values steady.
Where you buy in Calimesa determines your loan strategy and what you'll actually pay. Calimesa Country Club Estates runs $650K-$850K, centered around Oak Valley Golf Club with custom homes on larger lots. You're looking at conventional loans here, and buyers tend to be established families or retirees who want the golf lifestyle without Palm Springs prices. Mesa Grande sits at $550K-$680K, newer construction that's popular with families using conventional financing, often with smaller down payments since the homes are move-in ready. Noble Creek Regional Park Area goes $580K-$720K, mix of established homes with mountain views where conventional loans dominate. Singleton Road Corridor is $590K-$750K, newer subdivisions with easy I-10 access, attracting commuters who need that freeway convenience and can qualify for conventional loans in the mid-600s.
I-10 runs right through town, which is the whole reason Calimesa works for buyers who commute. You're looking at 71 minutes to LA on a good day, closer to 90 when traffic hits. That commute is why you can still find a single-family home under $700K this close to major job centers. If you work in Ontario, Riverside, or San Bernardino, your drive drops to 20-30 minutes, which makes the math work a lot better. The truth is, most buyers here either work locally in Beaumont or Banning, or they've accepted the I-10 commute in exchange for a mortgage payment that doesn't eat their entire paycheck. If you work remotely, you're getting Southern California living at prices that actually let you build equity.
The local job market is smaller since Calimesa only has about 10,000 people. City of Calimesa and Beaumont Unified School District provide public sector jobs with decent stability. Oak Valley Golf Club employs locally, but the real employment draw is nearby. Morongo Casino Resort and Desert Hills Premium Outlets sit just down the freeway and employ thousands between them. Most buyers here either work in Beaumont, Banning, or Redlands, or they commute west toward Riverside and the broader Inland Empire. The job mix isn't as diverse as you'd find in a larger city, but the combination of local employment and I-10 access gives you options without forcing a brutal commute.
Common questions from Calimesa 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 Calimesa 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 Calimesa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Calimesa buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Calimesa 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 Calimesa 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 Calimesa 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 Calimesa properties fall within conforming limits, maximizing your financing options.
For Calimesa'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 Calimesa. 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 Calimesa. 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 Calimesa. 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 Calimesa 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 Calimesa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Calimesa buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Calimesa. 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 Calimesa 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 Calimesa 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 Calimesa properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Calimesa 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 Calimesa 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 Calimesa families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Calimesa. 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 Calimesa. 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 Calimesa'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 Calimesa is $690,000 for 2026. This covers most homes in the area since the median home price is around $610,000, making FHA loans a popular choice for first. time buyers who want the lower down payment option of just 3.5%.
Most buyers in Calimesa don't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $610,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of the local market.
For 2026 in Riverside County, the conforming loan limit is $833,000, the FHA limit is $690,000, and the VA loan limit is $833,000. These limits cover the vast majority of homes in Calimesa and surrounding areas.
Yes, VA loans are very competitive in Calimesa with a loan limit of $833,000, which covers nearly all homes in the area. If you're a qualified veteran or active military, you can purchase a home with $0 down and no mortgage insurance, making it one of the best financing options available.
Our No Money Down program offers $0 down payment for qualified buyers in Calimesa. Additionally, CalHFA offers down payment assistance programs, and Riverside County has local programs that can help with down payment and closing costs, particularly beneficial for first. time buyers in this market.
Down payments in Calimesa typically range from 0% to 20% depending on your loan type. VA loans and our No Money Down program require $0 down, FHA loans need just 3.5% down (about $21,000 on a $610,000 home), and conventional loans can start at 3% down for first. time buyers or 5% for others.
Most lenders require a minimum credit score of 580 for FHA loans and 620 for conventional loans in Calimesa. However, you'll get better interest rates with a score of 680 or higher, which can save you thousands over the life of your loan on a typical $610,000 home purchase.
Look for a lender experienced with Calimesa's balanced market who can offer competitive rates on conforming, FHA, and VA loans since these dominate locally. Compare loan estimates from multiple lenders, check their reviews, and choose one who responds quickly and explains your options clearly for homes in the $600K to $900K range.
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