Mortgage broker serving Chino, 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 Chino buyers, we match your unique situation to the right program.
Chino buyers navigate properties near the $833K conforming limit, where loan structure impacts rates significantly.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Chino 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 Chino home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Chino starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Chino 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 Chino 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 Chino 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 Chino buyers. Most homes under $833K with competitive rates.
Strong FHA option in Chino. Low down payment gets you into most properties here.
$0 down for Chino veterans. VA loans cover all properties with no PMI required.
Chino business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Chino. State assistance helps with down payment and closing costs.
Premium Chino homes over $833K require jumbo loans. Less common but available for luxury properties.
Chino sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Chino investors. Buy rentals in entity names.
Conforming refinance for Chino homeowners. Best rates for loans under $833K.
FHA streamline refinance for Chino. Easiest way to lower your existing FHA rate.
VA streamline refi for Chino veterans. Fastest way to reduce your mortgage payment.
Turn Chino home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Chino homeowners. Access equity without replacing first mortgage.
Chino owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Chino investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Chino projects. Short-term financing for value-add investments.
Multifamily options for Chino investors. Finance apartment buildings with commercial loans.
Chino 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 Chino buyers with qualifying income.
CalHFA programs popular in Chino. State assistance helps with down payment and closing costs.
Chino has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Chino buyers. Down payment assistance with no repayment.
Chino family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Chino 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
Chino sits in the western corner of San Bernardino County, about 35 miles east of downtown LA. Population is 91,008, median household income $99,385. The homeownership rate here is 63.7%, and at $770K median home price, you're looking at one of the last somewhat affordable entry points to the Inland Empire that still gets you decent schools and reasonable commute times. A household pulling in that $99K income can qualify for a conventional loan here with 10-15% down, which is why families keep moving in.
The school ratings here are a big part of why Chino holds value. Cal Aero Preserve Academy pulls a 9, Edwin Rhodes Elementary an 8, Don Lugo High a 7, and Chino High a 6. Those elementary and middle school scores matter when you're thinking about resale - buyers with kids will pay more to get into those attendance zones. The district has been investing in facilities, which keeps families locked in once they buy. When you're comparing mortgage payments to rent, knowing your kids can stay in the same solid school system for years makes that 30-year commitment easier to swallow.
Where you buy in Chino determines what loan product you'll need and who your neighbors are. Chino Hills runs $850K-$1.2M with newer construction, bigger lots, and mountain views - you're looking at conventional or jumbo territory here depending on your down payment. Legacy Park sits at $700K-$950K, master-planned with parks and trails, popular with families who can swing a conventional loan with solid income documentation. Wilton Heights Historic District offers $650K-$800K, tree-lined streets with older homes that have character - first-time buyers and investors like the walkability and lower entry point. Central Chino is the sweet spot at $600K-$850K, mixed housing styles close to everything, where FHA and conventional loans both work depending on the specific property and your situation.
The commute to LA runs about 44 minutes in decent traffic via the 60 or 71 freeways, which is why Chino costs $770K instead of $1.2M like similar neighborhoods closer in. You're in that Goldilocks zone where you can actually work in LA or Orange County without destroying your life, but you pay half what you'd pay in Pasadena or Irvine. Ontario Airport is 15 minutes away, which matters if you travel for work. The 60 freeway gives you straight shots east to Riverside or west to LA, and that access is baked into property values here.
Chino Valley Unified School District is the biggest employer, which means steady public sector jobs with benefits that help people qualify for mortgages. The California Institution for Men adds more state employment. Amazon's fulfillment center brought hundreds of warehouse and logistics jobs that pay enough to qualify for FHA loans on the lower end of the market. Chino Valley Medical Center provides healthcare jobs across the pay scale. The mix here is solid - you've got public sector stability, private sector growth from logistics, and enough local employment that not everyone has to commute. That job diversity keeps the housing market stable even when one sector slows down.
Common questions from Chino 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 Chino 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 Chino: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Chino buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Chino 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 Chino 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 Chino families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Chino properties fall within conforming limits, maximizing your financing options.
For Chino'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 Chino. 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 Chino. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Chino. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Chino 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 Chino: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Chino buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Chino. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Chino 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 Chino 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 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Chino properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Chino 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 Chino 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 Chino families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Chino. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Chino. 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 Chino'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 Chino is $690,000 for 2026. This covers most homes in Chino's market, where the median price is around $770,000. If you're looking at homes above this limit, you'll need to consider conventional financing or make a larger down payment.
Most Chino buyers don't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $770,000. You'd only need a jumbo loan if you're purchasing a home above $833,000. The majority of homes in Chino fall comfortably within conventional loan limits.
For 2026, San Bernardino County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits apply to single. family homes in Chino and throughout the county. Higher limits are available for multi. unit properties.
Yes, VA loans are very competitive in Chino with a loan limit of $833,000, which covers the vast majority of homes in the area. Eligible veterans and service members can purchase most Chino properties with $0 down and no PMI. VA loans are an excellent option for qualified buyers in this market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. Additionally, CalHFA offers down payment assistance programs with grants and deferred. payment junior loans, and San Bernardino County provides local assistance programs for first. time and moderate. income buyers. These programs can be combined with FHA, VA, or conventional loans depending on your situation.
Down payment requirements in Chino vary by loan type. Conventional loans typically require 3% to 5% down ($23,000 to $38,500 on a $770,000 home), FHA loans need 3.5% ($27,000), and VA loans offer $0 down for eligible veterans. With down payment assistance programs, you may be able to reduce or eliminate your upfront costs.
Most Chino buyers can qualify with a credit score of 620 for conventional loans, while FHA loans accept scores as low as 580 (or even 500 with 10% down). VA loans typically require around 620, though some lenders may be flexible. Higher scores will get you better interest rates and more loan options in Chino's competitive market.
Look for a lender experienced with Chino's balanced market who offers multiple loan options including FHA, VA, and conventional programs. Compare rates and fees from at least three lenders, and choose one who understands local programs and can close on time in competitive situations. A lender familiar with San Bernardino County's down payment assistance programs can save you thousands.
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