Mortgage broker serving Chula Vista, 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 Chula Vista buyers, we match your unique situation to the right program.
In Chula Vista'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 Chula Vista 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 Chula Vista home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Chula Vista starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Chula Vista 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 Chula Vista 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 Chula Vista 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: $1,249,125 |
| 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 $1,249,125 |
| 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 Chula Vista buyers. Most homes under $1.1M with competitive rates.
Strong FHA option in Chula Vista. Low down payment gets you into most properties here.
$0 down for Chula Vista veterans. VA loans cover all properties with no PMI required.
Chula Vista business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Chula Vista. State assistance helps with down payment and closing costs.
Premium Chula Vista homes over $1.1M require jumbo loans. Less common but available for luxury properties.
Chula Vista sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Chula Vista investors. Buy rentals in entity names.
Conforming refinance for Chula Vista homeowners. Best rates for loans under $1.1M.
FHA streamline refinance for Chula Vista. Easiest way to lower your existing FHA rate.
VA streamline refi for Chula Vista veterans. Fastest way to reduce your mortgage payment.
Turn Chula Vista home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Chula Vista homeowners. Access equity without replacing first mortgage.
Chula Vista owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Chula Vista investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Chula Vista projects. Short-term financing for value-add investments.
Multifamily options for Chula Vista investors. Finance apartment buildings with commercial loans.
Chula Vista 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 Chula Vista buyers with qualifying income.
CalHFA programs popular in Chula Vista. State assistance helps with down payment and closing costs.
Chula Vista has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Chula Vista buyers. Down payment assistance with no repayment.
Chula Vista family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Chula Vista 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
Chula Vista sits just south of San Diego proper, population 276,103, with a median household income of $101,984. The homeownership rate is 59.9%, which tells you this is a city where people buy and stay. At $750K median home price, you're looking at one of the more accessible entry points into San Diego County real estate, though you'll still need solid income and credit to qualify. For households pulling in six figures, this is where you can actually own a house with a yard instead of renting in downtown San Diego.
The schools here are a big part of why families stretch their budgets to buy in Chula Vista. Eastlake Elementary pulls a 9 rating, Rancho Del Rey Middle an 8, Eastlake High an 8, Bonita Vista High a 7. These aren't just numbers on a website. They're the reason homes near Eastlake Elementary sell faster and hold value better when the market softens. If you're financing a home and planning to stay for 7-10 years while kids go through school, these ratings matter for both your family's experience and your resale prospects. The school quality is one reason sellers can command $750K in a market where that same house might be $550K in other parts of the county.
Where you buy in Chula Vista determines what loan structure makes sense and what your monthly payment looks like. Eastlake runs $650K-$950K, it's the master-planned showcase with lakes and golf courses, newer construction that appraises clean for conventional loans. Otay Ranch goes $700K-$1.2M, this is where you'll see jumbo loans on the upper end, luxury builds with modern finishes that attract move-up buyers trading equity from starter homes. Bonita sits at $650K-$900K, established neighborhood with mature landscaping and spacious lots, popular with families who want that settled feel and schools that justify the price. Terra Nova is your value play at $500K-$750K, mid-century homes on larger lots where first-time buyers with strong incomes can still get in with 10-15% down conventional financing. The price spread between these neighborhoods is wide enough that your down payment and loan type really shape where you'll end up.
Here's the thing about Chula Vista's location. You're 16 minutes to downtown San Diego, 30 minutes to La Jolla, and you're not sacrificing hours of your life on the freeway. That proximity is exactly why homes here cost $750K instead of $450K. If you work in San Diego's biotech corridor or at one of the hospitals, you can own a real house here for what a condo costs closer in. The commute is manageable enough that you're not just buying for affordability, you're buying because the lifestyle actually works. Local transit exists but most buyers here are two-car households who drive to work and want the space and schools that Chula Vista offers.
The employment base here is more diverse than you'd expect for a suburban city. Sweetwater Union High School District and the City of Chula Vista provide stable public sector jobs with benefits that help people qualify for mortgages. Sharp Chula Vista Medical Center and Scripps Health mean healthcare workers can live where they work, which matters when you're trying to keep your commute under 20 minutes. Rohr Inc. and Qualcomm pull in aerospace and tech salaries that support those $750K-$1M home prices in Eastlake and Otay Ranch. The mix of education, healthcare, tech, and government jobs creates a buyer pool with steady W-2 income, which is exactly what lenders want to see. Real talk, the $101,984 median household income here isn't an accident. It's what it takes to afford a $750K house with a conventional loan and reasonable debt-to-income ratios.
Common questions from Chula Vista 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 Chula Vista 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 Chula Vista: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Chula Vista buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Chula Vista 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 Chula Vista 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 Chula Vista families purchase with minimal upfront cash.
2026 San Diego County limits: FHA $1,006,250, Conventional $1,104,000. Any loan above $1,104,000 is a jumbo loan. Most Chula Vista properties fall within conforming limits, maximizing your financing options.
For Chula Vista'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 Chula Vista. 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 Chula Vista. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Diego County, and structure your purchase to minimize upfront costs.
You still have options in Chula Vista. 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 Diego County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Chula Vista 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 Chula Vista: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Chula Vista buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Chula Vista. 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 Diego County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Chula Vista 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 Chula Vista 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 Diego County limits: FHA $1,006,250, Conventional $1,104,000. Any loan above $1,104,000 is a jumbo loan. Most Chula Vista properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Chula Vista 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 Chula Vista 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 Chula Vista families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Chula Vista. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Diego County, and structure your purchase to minimize upfront costs.
You still have options in Chula Vista. 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 Chula Vista'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 Chula Vista is $1,010,000 for 2026, which covers most homes in the area since the median price is around $750K. This makes FHA loans a competitive option for first. time buyers and those with smaller down payments in San Diego County. You can purchase well above the median home price while still qualifying for FHA's low 3.5% down payment requirement.
Most buyers in Chula Vista won't need a jumbo loan since the conforming loan limit is $1,100,000 and the median home price is $750K. Only properties priced above $1.1M require jumbo financing, which represents a small portion of the market. The majority of homes fall comfortably within conforming, FHA, and VA loan limits.
For 2026, San Diego County loan limits are $1,100,000 for conforming loans, $1,010,000 for FHA loans, and $1,100,000 for VA loans. These limits apply to Chula Vista and all other cities in the county. These higher limits mean most buyers can access conventional financing with better rates and terms than jumbo loans.
Yes, VA loans are very competitive in Chula Vista with a loan limit of $1,100,000, covering the vast majority of homes on the market. Eligible veterans and service members can purchase with $0 down and no monthly mortgage insurance. With the median home price at $750K, VA loans offer excellent purchasing power for military buyers in the area.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Chula Vista's $750K median market. Additional options include CalHFA programs offering down payment and closing cost assistance, as well as San Diego County programs for first. time and moderate. income buyers. Many of these programs can be combined with FHA, VA, or conventional loans to maximize your purchasing power.
Down payment requirements in Chula Vista vary by loan type: 3% for conventional ($22,500 on a $750K home), 3.5% for FHA ($26,250), and $0 for VA loans if you're eligible. With the median home at $750K, many buyers use down payment assistance programs or our No Money Down program to reduce upfront costs. Move. up buyers typically put down 10. 20% depending on their equity and financial goals.
Most lenders require a minimum credit score of 620 for conventional loans and 580 for FHA loans in Chula Vista, though some programs accept scores as low as 500 with larger down payments. With homes in the $600K. $900K range, you'll get the best rates and terms with scores above 680. If your score needs work, many buyers spend 3. 6 months improving their credit before applying.
Choose a lender experienced with Chula Vista's balanced market who can offer multiple loan options including conforming, FHA, and VA products in the $750K price range. Look for competitive rates, clear communication, and expertise with down payment assistance programs that are common in this market. A local lender familiar with San Diego County will understand the specific challenges and opportunities for both first. time and move. up buyers in the area.
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