Mortgage broker serving Campbell, 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 Campbell buyers, we match your unique situation to the right program.
Financing in Campbell's premium market demands lenders experienced with jumbo loans above $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Campbell 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 Campbell home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Campbell starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Campbell 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 Campbell 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 Campbell 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 Campbell home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Campbell 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 Campbell.
Self-employed? Campbell bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Campbell properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Campbell buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Campbell buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Campbell moves. Purchase before your current home sells.
Entity financing for Campbell investors. Purchase in LLC for asset protection.
Campbell loans under $1.25M get conforming refinance rates. Best rates available.
Access Campbell home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Campbell homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Campbell veterans. Lower your rate without appraisal or income docs.
Campbell home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Campbell homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Campbell can use DSCR financing. Rental income qualifies the loan.
Campbell rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Campbell apartment buildings. Commercial rates for larger properties.
Hard money financing for Campbell 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 Campbell buyers with qualifying income.
CalHFA programs can help Campbell first-time buyers. Check income limits for eligibility.
Campbell family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Campbell. Family member income helps qualification.
Check Campbell 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
Campbell sits in the heart of Silicon Valley, just 16 minutes from downtown San Jose. Population is 43,464, median household income $141,794. The homeownership rate here is 51.6%, which tells you something about the market - at $1.575M median home price, you're looking at a place where tech money competes hard for limited inventory. This isn't where first-time buyers with conventional loans typically land. You'll need substantial down payment reserves, strong W-2 income from tech or similar sectors, or you're looking at jumbo financing with rates that'll make you think twice.
If you're buying for the schools, Campbell delivers scores that justify the price tag. Castlemont Elementary pulls an 8, Rolling Hills Middle a 9, Campbell Union High a 7. These aren't just numbers - they're why families stretch their budgets and why resale values hold even when the market softens. The school quality is baked into every mortgage payment you'll make here. When you're financing $1.5M+, you want confidence that the next buyer will pay up for the same reasons you did. Families who buy here tend to stay through high school, which creates neighborhood stability that lenders like to see when they're underwriting your loan.
Where you buy in Campbell determines whether you're dealing with standard jumbo loans or private banking relationships. Los Altos Hills runs $2.5M-$5M+, luxury builds with valley views on serious acreage - you're looking at jumbo financing with 20-30% down, and underwriters will scrutinize your debt-to-income ratio hard at this level. Lexington Hills offers hillside customs at $1.8M-$3.5M, popular with tech executives who can document consistent RSU income that lenders will count. Cambrian Park is the family zone, $1.4M-$2.2M, tree-lined streets where conventional jumbo loans work if you're right at that $1.4M entry point. Sunland Park gives you mid-century charm at $1.2M-$1.9M, the closest thing to accessible in Campbell, where dual tech incomes can actually make the math work without stretching to 50% DTI.
The commute situation is why Campbell commands these prices despite being a small city. You're 16 minutes to San Jose, 26 to Palo Alto, 51 to Oakland, 59 to San Francisco. That proximity to multiple job centers means you're not locked into one employer or one commute pattern. If your tech job moves from San Jose to Mountain View, you're still reasonable. Local transit exists but real talk, most buyers here drive - factor parking and garage space into your must-haves list because it affects resale. The location premium you're paying gets reflected in your property taxes too, which hits your monthly PITI payment harder than you might expect.
The employer mix here explains who's competing for homes and what income levels you're up against. ChargePoint, Barracuda Networks, eBay, and Netflix all have presence here or nearby, creating buyer pools with stock compensation that traditional underwriting sometimes struggles to count fully. Campbell Union School District provides stable public sector jobs, though those salaries won't typically qualify for the median-priced home without dual income. City of Campbell employs locally but again, you're not buying at $1.575M on a municipal salary alone. The truth is most buyers here work in tech, either as engineers pulling $200K+ base plus equity, or in product and management roles with compensation packages that make jumbo loan officers happy. If your income doesn't come from tech or a similar high-paying sector, you'll find Campbell's market pretty unforgiving.
Common questions from Campbell 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 Campbell 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 Campbell: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Campbell buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Campbell 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 Campbell 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 Campbell families purchase with minimal upfront cash.
2026 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Campbell properties fall within conforming limits, maximizing your financing options.
For Campbell'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 Campbell. 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 Campbell. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Campbell. 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 Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Campbell 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 Campbell: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Campbell buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Campbell. 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 Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Campbell 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 Campbell 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 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Campbell properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Campbell 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 Campbell 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 Campbell families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Campbell. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Campbell. 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 Campbell'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 Campbell is $1,250,000 for 2025. This high. balance limit reflects Santa Clara County's premium housing market, where the median home price is around $1.6M. Keep in mind that FHA loans require just 3.5% down with a credit score of 580 or higher.
You'll likely need a jumbo loan for most Campbell homes since the median price is $1.6M, which exceeds the $1.25M conforming loan limit. However, if you're buying a lower. priced property or making a larger down payment that keeps your loan amount under $1.25M, you can use a high. balance conforming loan with better rates and terms.
The 2026 loan limits haven't been announced yet, but the current 2025 limits for Santa Clara County are $1,250,000 for conforming, FHA, and VA loans. These limits typically adjust annually based on home price trends, and given Campbell's strong market, they may increase for 2026.
Yes, you can use a VA loan in Campbell with the current limit of $1,250,000 and no down payment required for eligible veterans. Since Campbell's median home price is $1.6M, you may need to combine your VA loan with a down payment to cover the difference, or look at properties priced closer to the loan limit.
Our No Money Down program offers $0 down payment for qualified buyers, which can be particularly helpful in Campbell's premium market. CalHFA's MyHome Assistance Program provides up to 3.5% in down payment help, and Santa Clara County offers programs for first. time buyers and moderate. income households, though eligibility may be limited given the area's high home prices.
For Campbell's median home price of $1.6M, you'll typically need 10. 20% down for a jumbo loan, which means $160,000 to $320,000. If you're buying a home under $1.25M, conventional loans require as little as 3. 5% down, and FHA loans just 3.5%. VA. eligible buyers can potentially use $0 down on homes at or below the $1.25M loan limit.
Most lenders require a minimum credit score of 700. 720 for jumbo loans in Campbell's price range, though some programs accept scores as low as 680 with a larger down payment. For homes under the $1.25M conforming limit, you can qualify with scores as low as 620 for conventional loans or 580 for FHA loans.
Look for a lender experienced with Campbell's premium market and jumbo loans, since most properties here exceed conforming limits. Compare rates, fees, and closing timelines from multiple lenders, and ask about their experience with properties in the $1.25M. $2M range. A local lender familiar with Santa Clara County can often navigate appraisals and underwriting more smoothly in this competitive market.
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