Mortgage broker serving Citrus Heights, 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 Citrus Heights buyers, we match your unique situation to the right program.
Citrus Heights buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Citrus Heights 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 Citrus Heights home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Citrus Heights starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Citrus Heights 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 Citrus Heights 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 Citrus Heights 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 Citrus Heights buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Citrus Heights. VA loans are the best deal for eligible veterans.
Nearly all Citrus Heights homes qualify for conforming loans. Best rates available for qualified buyers.
Citrus Heights buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Citrus Heights buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Citrus Heights areas. Check rural designation by address.
Bridge loans available for Citrus Heights transitions. Finance new purchase before selling.
Entity purchase programs for Citrus Heights. LLC financing for investment properties.
Citrus Heights FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Citrus Heights refinances qualify as conforming. Competitive rates with quick approval.
Citrus Heights veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Citrus Heights homeowners with equity. Access funds for any purpose.
Citrus Heights owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Citrus Heights homeowners. Lump sum with fixed monthly payments.
Citrus Heights rental properties qualify with DSCR. No personal income verification needed.
Citrus Heights renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Citrus Heights commercial. Fast financing for competitive markets.
Apartment financing in Citrus Heights. 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 Citrus Heights buyers with qualifying income.
Citrus Heights buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Citrus Heights. City programs plus CalHFA can cover most down payment.
Grant programs for Citrus Heights first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Citrus Heights areas. Check rural designation by address.
Gift of equity for Citrus Heights family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Citrus Heights 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
Citrus Heights sits in the Sacramento metro about 16 miles northeast of downtown. Population is 10,979, median household income $91,130. The homeownership rate here is 69.7%, which tells you people are actually buying and staying put. At $482,500 median home price, you're looking at a price point that works for households pulling in that $90K range - conventional loans with 5-10% down are common here, and the numbers actually pencil out without stretching your debt-to-income ratio too thin.
If you've got kids or plan to, the school ratings matter for both your quality of life and resale value when you eventually sell. Skycrest Elementary pulls an 8, Cambridge Heights and Grand Oaks both sit at 7, Citrus Heights Elementary comes in at 6. Those are solid middle-of-the-road scores for Sacramento County. The San Juan Unified School District runs most of these schools, and it's one of the area's major employers, which means stable funding and consistent staffing. Families make up a big chunk of buyers here, and that stable school situation is part of why the ownership rate stays near 70%. When your neighbors are owners with kids in local schools, they care about property values just like you do.
Where you buy in Citrus Heights affects what you'll pay and what loan product makes sense. Sunrise Village runs $420K-$520K, older established homes with mature trees near shopping - this is first-time buyer territory where FHA loans with 3.5% down are popular, though conventional works too if you've got the down payment saved. Birdcage Heights hits $450K-$550K with those classic ranch-style homes on bigger lots, mostly conventional loans here. Crosswoods is similar at $430K-$530K, tree-lined streets with mixed architecture and strong community feel. Tempo is the newer build area at $500K-$650K, contemporary construction that appeals to buyers who want move-in ready and don't mind paying a premium - you'll need conventional or jumbo depending on your down payment, and sellers here expect clean financing. The price spread means you've got options depending on what you qualify for.
The commute situation here is what makes Citrus Heights work for a lot of buyers. You're 23 minutes to downtown Sacramento, 14 minutes to Roseville. That's manageable daily driving that doesn't eat your life or your gas budget. Local transit exists but most people drive - this is suburban Sacramento, not San Francisco. The short commute times mean you're not trading hours of your day just to afford a house, which is the trap a lot of people fall into when they buy too far out. You get Sacramento area jobs and salaries without the price tags you'd see closer to downtown or in some of the pricier Placer County suburbs.
The employment base here is diverse enough that the local economy doesn't hinge on one industry. San Juan Unified School District is a major employer, along with the City of Citrus Heights itself. UC Davis Health pulls workers from across the region. Sunrise Mall and its retailers provide service jobs, ITC Service Group and Walmart's distribution center add logistics and warehouse work. That mix matters when you're thinking about long-term property values. You want an area where jobs aren't all tied to one sector that could tank. The $91K median household income tells you this isn't just retail and service work - there's a solid middle class here with steady employment, which supports stable home values and keeps foreclosure rates low.
Common questions from Citrus Heights 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 Citrus Heights 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 Citrus Heights: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Citrus Heights buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Citrus Heights 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 Citrus Heights 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 Citrus Heights families purchase with minimal upfront cash.
2026 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Citrus Heights properties fall within conforming limits, maximizing your financing options.
For Citrus Heights'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 Citrus Heights. 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 Citrus Heights. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Citrus Heights. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Citrus Heights 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 Citrus Heights: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Citrus Heights buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Citrus Heights. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Citrus Heights 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 Citrus Heights 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 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Citrus Heights properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Citrus Heights 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 Citrus Heights 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 Citrus Heights families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Citrus Heights. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Citrus Heights. 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 Citrus Heights'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 Citrus Heights is $765,000 for 2026, which is well above the median home price of $483,000. This means nearly all homes in Citrus Heights qualify for FHA financing, making it an excellent option for first. time buyers who can put down as little as 3.5%. FHA loans are very popular here because they accept lower credit scores and smaller down payments than conventional loans.
You won't need a jumbo loan for most Citrus Heights homes since the conforming loan limit is $833,000 and the median price is $483,000. The vast majority of properties here fall well within conventional, FHA, and VA loan limits. Jumbo loans are only necessary for higher. end properties above $833,000, which are relatively rare in this affordable market.
For 2026, Sacramento County loan limits are $765,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits apply to Citrus Heights and all other cities in the county. With a median home price of $483,000, most buyers here have plenty of room within these limits and multiple loan program options.
Yes, VA loans are an excellent option in Citrus Heights with a loan limit of $833,000, which covers virtually all homes in the area. Veterans and active military can buy with $0 down, no monthly mortgage insurance, and competitive interest rates. Given the median home price of $483,000, VA loans offer tremendous value for eligible buyers in this market.
Our No Money Down program offers $0 down payment for qualified buyers in Citrus Heights. You can also access CalHFA programs that provide up to 3.5% assistance, Sacramento County down payment assistance grants, and often stack multiple programs together. With the median home price at $483,000 and strong DPA eligibility here, many first. time buyers and young families can significantly reduce their upfront costs.
You can buy a Citrus Heights home with as little as 3.5% down using an FHA loan (about $17,000 on a $483,000 home) or 3% down with Conventional 97 (around $14,500). VA. eligible buyers and those using our No Money Down program can purchase with $0 down. Many first. time buyers here combine low down payment loans with assistance programs to reduce their upfront cash needs even further.
You can qualify for an FHA loan in Citrus Heights with a credit score as low as 580, or even 500 with 10% down, making it ideal for credit rebuilders. Conventional loans typically require a 620 minimum, while VA loans are often flexible with scores around 580. 620. Given that Citrus Heights attracts many first. time buyers and young families, lenders here regularly work with borrowers across the credit spectrum.
Choose a lender experienced with Citrus Heights' affordable market who understands FHA, VA, and down payment assistance programs that work best here. Look for someone who can help you stack DPA programs, compare FHA versus Conventional 97 options, and who responds quickly since homes at the $450K. $600K price point can move fast. A local lender familiar with Sacramento County programs will save you time and potentially thousands of dollars.
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