Mortgage broker serving Cathedral City, 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 Cathedral City buyers, we match your unique situation to the right program.
In Cathedral City's market, the right loan program can save thousands over the life of your mortgage.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Cathedral City 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 Cathedral City home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Cathedral City starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Cathedral City 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 Cathedral City 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 Cathedral City 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 is the go-to for Cathedral City buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Cathedral City. VA loans are the best deal for eligible veterans.
Nearly all Cathedral City homes qualify for conforming loans. Best rates available for qualified buyers.
Cathedral City buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Cathedral City buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Cathedral City areas. Check rural designation by address.
Bridge loans available for Cathedral City transitions. Finance new purchase before selling.
Entity purchase programs for Cathedral City. LLC financing for investment properties.
Cathedral City FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Cathedral City refinances qualify as conforming. Competitive rates with quick approval.
Cathedral City veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Cathedral City homeowners with equity. Access funds for any purpose.
Cathedral City owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Cathedral City homeowners. Lump sum with fixed monthly payments.
Cathedral City rental properties qualify with DSCR. No personal income verification needed.
Cathedral City renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Cathedral City commercial. Fast financing for competitive markets.
Apartment financing in Cathedral City. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Cathedral City buyers with qualifying income.
Cathedral City buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Cathedral City. City programs plus CalHFA can cover most down payment.
Grant programs for Cathedral City first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Cathedral City areas. Check rural designation by address.
Gift of equity for Cathedral City family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Cathedral City buyers qualify. Add parent income to yours.
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
Cathedral City sits in the Coachella Valley right next to Palm Springs, about two hours east of LA. Population is 51,964, median household income $63,209. The homeownership rate here is 64.3%, which tells you something important: people can actually afford to buy and stay. At $522,500 median home price, you're paying about $100K less than Palm Springs for essentially the same location and weather. That price difference is why families and retirees looking at the desert seriously consider Cathedral City when Palm Springs pushes them out of qualification range.
If you've got kids, Cathedral City High pulls a 6 rating, James Workman Middle a 6, Sunny Sands Elementary a 7. These aren't the highest scores in California, but they're solid and the district has been stable. Here's the thing: families buying here are often choosing between this and staying in LA or Orange County rentals. The school ratings are comparable to what you'd find in other desert communities, and you're building equity instead of paying someone else's mortgage. Big League Dreams Sports Park is a real draw for families with the baseball and softball complexes. When you're thinking resale, that 64.3% ownership rate means your neighbors are invested in the community too.
Where you buy in Cathedral City directly affects your loan options and monthly payment. Desert Princess Country Club runs $650K-$950K, upscale golf course community with gated security and resort amenities. You're looking at conventional or jumbo loans here depending on your down payment. Cimarron Golf Resort sits at $580K-$850K, custom homes around the championship course, mostly conventional financing with strong equity positions. Date Palm Country Club is the sweet spot for many buyers at $420K-$680K, established neighborhood with mature trees and golf access. FHA and conventional loans both work well here. Desert Lakes offers the entry point at $380K-$580K, family-friendly with good bones and park access. This is where first-time buyers and families land, often using FHA or conventional with lower down payments.
The commute to LA runs about 117 minutes, which is brutal if you're doing it daily but manageable if it's once or twice a week. Real talk: most people buying here either work locally, work remotely, or are retiring. The drive is exactly why Cathedral City stays more affordable than coastal markets. Local transit exists but you'll want a car for day-to-day life. If you're comparing this to a $750K condo in LA with a similar commute from the edges of the metro, suddenly that two-hour drive looks different when you're in a single-family home with a pool.
The employment base here is split between public sector, healthcare, hospitality, and retail. City of Cathedral City and Palm Springs Unified School District provide steady government jobs. Desert Regional Medical Center and Desert Hot Springs Hospital anchor healthcare employment. Agua Caliente Casino is a major private employer, and gaming jobs in the Coachella Valley have proven pretty stable. Walmart Supercenter rounds out the retail sector. The job mix means you've got year-round employment, not just seasonal tourism work. For mortgage qualification, lenders like seeing the diversity of employers and the public sector stability that comes with school districts and city government.
Common questions from Cathedral City 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 Cathedral City 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 Cathedral City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Cathedral City buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Cathedral City 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 Cathedral City 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 Cathedral City 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 Cathedral City properties fall within conforming limits, maximizing your financing options.
For Cathedral City'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 Cathedral City. 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 Cathedral City. 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 Cathedral City. 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 Cathedral City 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 Cathedral City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Cathedral City buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Cathedral City. 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 Cathedral City 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 Cathedral City 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 Cathedral City properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Cathedral City 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 Cathedral City 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 Cathedral City families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Cathedral City. 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 Cathedral City. 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 Cathedral City'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 Cathedral City is $690,000 for 2025, which covers nearly all homes in this affordable market where the median price is $523,000. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments. You'll be able to finance most properties in the area with just 3.5% down if your credit score is 580 or higher.
You won't need a jumbo loan for most Cathedral City homes since the conforming loan limit is $833,000 and typical homes range from $450,000 to $600,000. Only properties priced above $833,000 would require a jumbo loan, which represents a small fraction of the local market. This means you can take advantage of better rates and terms available with conventional, FHA, or VA loans.
For 2025, Riverside County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are updated annually and typically announced in November for the following year. Cathedral City's affordable pricing means most buyers can easily stay within these limits and access competitive loan programs.
Yes, VA loans are an excellent option in Cathedral City with a generous $833,000 loan limit that covers all typical homes in the area. Veterans and active military can buy with $0 down, no mortgage insurance, and competitive rates on homes well within the limit. This is one of the best financing options available if you're eligible.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Cathedral City's affordable market. You can also explore CalHFA programs that provide up to 3.5% assistance, Riverside County housing programs, and often stack multiple programs together. With the median home at $523,000 and strong DPA eligibility, first. time buyers and credit rebuilders have excellent options to minimize upfront costs.
You can buy a Cathedral City home with as little as 3.5% down using an FHA loan (about $18,300 on a $523,000 home) or 3% down with a conventional 97 loan. VA. eligible buyers can purchase with $0 down, and down payment assistance programs can cover most or all of your down payment. Many first. time buyers in this market successfully combine low down payment loans with DPA to minimize out. of. pocket costs.
You can qualify for an FHA loan in Cathedral City with a credit score as low as 580 for 3.5% down, or even 500 with 10% down. Conventional loans typically require a 620 minimum score, while VA loans often accept scores around 580 to 600. Given Cathedral City's focus on first. time buyers and credit rebuilders, lenders here regularly work with scores in the 580. 680 range.
Look for a lender experienced with Cathedral City's affordable market who understands FHA loans, down payment assistance programs, and working with first. time buyers. They should offer multiple loan options, explain how to stack DPA programs, and provide clear guidance on credit requirements. The right lender will help you navigate the specific opportunities in this price range and get you the best terms for your situation.
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