Mortgage broker serving Coachella, 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 Coachella buyers, we match your unique situation to the right program.
Coachella offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Coachella 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 Coachella home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Coachella starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Coachella 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 Coachella 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 Coachella 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 Coachella buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Coachella. VA loans are the best deal for eligible veterans.
Nearly all Coachella homes qualify for conforming loans. Best rates available for qualified buyers.
Coachella buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Coachella buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Coachella areas. Check rural designation by address.
Bridge loans available for Coachella transitions. Finance new purchase before selling.
Entity purchase programs for Coachella. LLC financing for investment properties.
Coachella FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Coachella refinances qualify as conforming. Competitive rates with quick approval.
Coachella veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Coachella homeowners with equity. Access funds for any purpose.
Coachella owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Coachella homeowners. Lump sum with fixed monthly payments.
Coachella rental properties qualify with DSCR. No personal income verification needed.
Coachella renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Coachella commercial. Fast financing for competitive markets.
Apartment financing in Coachella. 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 Coachella buyers with qualifying income.
Coachella buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Coachella. City programs plus CalHFA can cover most down payment.
Grant programs for Coachella first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Coachella areas. Check rural designation by address.
Gift of equity for Coachella family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Coachella 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
Coachella sits in the eastern Coachella Valley, about 25 miles east of Palm Springs in Riverside County. Population is 42,279, median household income $52,466. The homeownership rate here is 67.9%, which tells you something important: people who buy here tend to stay. At $530K median home price, you're looking at Eastern Coachella Valley pricing without the Palm Desert premium. For a household pulling in $50-60K, you'll need to stretch or look at FHA options with lower down payments, but it's still more accessible than most of Southern California.
The school ratings matter when you're thinking about resale and long-term value. Desert Mirage High pulls a 6, Coral Mountain Academy hits a 7, Peter Pendleton Elementary sits at 6, Valle Del Sol Elementary scores a 7. These aren't top-tier numbers, but they're stable and improving as the area grows. The Coachella Valley Unified School District is actually the largest employer in town, which means consistent funding and community investment. That 67.9% homeownership rate shows families are buying and staying put, not just renting short-term. When your neighbors own rather than rent, it typically means better property maintenance and more stable values over time.
Where you buy in Coachella directly affects your loan options and monthly payment. Villa Caribe runs $420K-$550K and it's your entry point for first-time buyers, mix of single-family homes and townhomes where FHA loans with 3.5% down are common. Pueblo Viejo sits at $450K-$580K, historic area with established single-family homes and some mobile home communities, conventional loans work well if you've got the 5-10% down. Coachella Norte goes $480K-$620K, mix of newer construction and older neighborhoods with easy Highway 111 access, good for buyers who need the commute flexibility. Andreas Hills is the top end at $520K-$650K, newer development with modern builds and desert landscaping, attracts families with stronger credit who can handle conventional or even low-down conventional products. The price spread gives you options depending on what you qualify for.
Here's the thing about Coachella: you're not commuting to LA daily unless you're committed to a 130-minute drive each way. That's over two hours on a good day, closer to three when traffic hits. Most buyers here work locally in the Coachella Valley or have remote setups. Highway 111 runs right through town and connects you to Palm Desert, Indio, and the rest of the valley in 15-20 minutes. The isolation from major job centers is exactly why Coachella stays at $530K while coastal areas push $800K-$1M. You're trading commute convenience for a mortgage payment that won't crush you. If your job is in the valley or you work from home, that trade makes perfect sense.
Coachella Valley Unified School District is the big employer, which means steady public sector jobs with benefits and predictable income for mortgage qualification. The City of Coachella itself employs a good chunk of residents. Agriculture still matters here with Hadley Date Gardens and Flying A Ranches providing seasonal and year-round work. Walmart's distribution center adds logistics jobs, and Spotlight 29 Casino brings hospitality and gaming employment. The job mix is service, education, agriculture, and distribution. Most lenders like seeing the school district and city jobs because they're stable W-2 income that's easy to underwrite. If you're in agriculture or seasonal work, you'll want a lender who understands non-traditional income documentation.
Common questions from Coachella 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 Coachella 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 Coachella: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Coachella buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Coachella 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 Coachella 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 Coachella 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 Coachella properties fall within conforming limits, maximizing your financing options.
For Coachella'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 Coachella. 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 Coachella. 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 Coachella. 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 Coachella 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 Coachella: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Coachella buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Coachella. 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 Coachella 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 Coachella 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 Coachella properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Coachella 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 Coachella 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 Coachella families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Coachella. 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 Coachella. 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 Coachella'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 Coachella is $690,000 for 2025, which covers nearly all homes in the area since most properties are priced between $450K and $600K. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments in Coachella's affordable market.
You won't need a jumbo loan in Coachella since the median home price is $530K and most homes sell between $450K and $600K, well below the conforming loan limit of $833,000. Standard FHA, conventional, and VA loans will cover virtually every property in the area.
For Riverside County in 2025, the conforming loan limit is $833,000, the FHA limit is $690,000, and the VA loan limit is $833,000. These limits are more than sufficient for Coachella's market where homes typically range from $450K to $600K.
Yes, VA loans are an excellent option in Coachella with a loan limit of $833,000, which easily covers all local homes. Veterans and active military can buy with $0 down and no PMI, making homeownership very affordable in this market where the median price is just $530K.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Coachella's affordable market. You can also explore CalHFA programs and Riverside County assistance options, and many buyers can stack multiple programs to cover down payment and closing costs entirely.
You can buy a home in Coachella with as little as 3.5% down through FHA (about $18,500 on a $530K home) or 3% down with Conventional 97 (around $15,900). VA buyers and those using our No Money Down program can purchase with $0 down, and down payment assistance can cover most or all of these costs.
You can qualify for an FHA loan in Coachella with a credit score as low as 580, making it ideal for first. time buyers and credit rebuilders in this affordable market. Conventional loans typically require a 620 minimum, while VA loans offer flexibility for veterans with scores around 580. 620.
Choose a lender experienced with Coachella's affordable market who understands FHA loans and down payment assistance programs that are crucial for first. time buyers in this area. Look for someone who can help you stack DPA programs and navigate options for buyers with credit scores in the 580. 620 range, which is common among Coachella homebuyers.
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