Mortgage broker serving Coalinga, 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 Coalinga buyers, we match your unique situation to the right program.
Coalinga's affordable market opens doors for first-time buyers with the right financing.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Coalinga 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 Coalinga home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Coalinga starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Coalinga 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 Coalinga 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 Coalinga 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 |
| FHA | 3.5% minimum | 580+ | First-time buyers, lower credit. Limit: $832,750 |
| VA | $0 | No minimum | Veterans, active military - best 0% down option |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time Coalinga buyers, income-qualified |
Questions? Call (510) 589-4096 or email info@agoodlender.com
USDA loans are ideal for Coalinga. Zero down payment for rural properties. Income limits apply.
Most Coalinga buyers use FHA. 3.5% down payment with 580+ credit. Easiest path to homeownership.
CalHFA plus local DPA can cover full down payment in Coalinga. Stack programs for maximum assistance.
VA loans are perfect for Coalinga. Zero down, no PMI, and every property qualifies.
Maximum local DPA available in Coalinga. Combine city, county, and state programs.
Every Coalinga home qualifies for conforming financing. Best rates with good credit.
Bridge loans help Coalinga owners transition between homes. Short-term gap financing.
Coalinga investors use LLC financing. Entity ownership for asset protection.
USDA streamline refinance for Coalinga. Lower your rate with minimal paperwork.
Most Coalinga refinances use FHA streamline. No appraisal, no income docs, fast closing.
Coalinga veterans should use VA IRRRL. Streamline your refinance with zero hassle.
Conforming refinance rates for all Coalinga properties. Straightforward rate-and-term refi.
Cash-out refinance available for Coalinga homeowners. Convert equity to cash for any need.
Home equity loans available in Coalinga. Fixed rate second mortgage against equity.
Investment properties in Coalinga use DSCR loans. Rental income drives qualification.
Rehab loans available in Coalinga. Fix-and-flip financing covers purchase plus renovation.
Hard money available for Coalinga deals. Fast closing for investment properties.
Coalinga apartment buildings use multifamily financing. Commercial loan programs available.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Coalinga buyers with qualifying income.
USDA loans are ideal for Coalinga. Zero down payment for rural properties. Income limits apply.
CalHFA plus local DPA can cover full down payment in Coalinga. Stack programs for maximum assistance.
Maximum local DPA available in Coalinga. Combine city, county, and state programs.
Maximum grant assistance for Coalinga. Elite and local programs reduce buyer costs.
Gift of equity works for Coalinga family sales. Seller discount becomes buyer's down payment.
Co-borrower option for Coalinga buyers. Family member can help you qualify.
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
Coalinga sits in western Fresno County, about 70 miles southwest of Fresno in the Central Valley. Population is 17,488, median household income $68,976. The homeownership rate here is 53%, and the median home price of $240K makes this one of the most accessible markets in California for buyers who've been priced out of coastal areas. If you're earning around $70K and have decent credit, you can actually qualify for a mortgage here without stretching to the breaking point.
The school ratings are better than you'd expect for a small Central Valley town. Sunset Elementary pulls a 7, Coalinga High gets a 7, and Coalinga Middle sits at 6. These aren't bad numbers at all, especially when you factor in what you're paying for housing. The district serves a stable community where a lot of families put down roots, which matters when you're thinking about resale five or ten years out. The public sector employment base here means your neighbors tend to have steady jobs and stick around, which keeps neighborhoods from turning over too fast.
Where you buy in Coalinga changes your financing strategy pretty significantly. Downtown Coalinga runs $180K-$280K with a real mix of historic homes and fixers, perfect for FHA 203(k) renovation loans if you've got some sweat equity to put in. North Coalinga is where you'll find newer tract homes at $220K-$320K, popular with state employees who want turnkey properties and can usually qualify for conventional loans with steady government paychecks. Pleasant Valley Area offers the best entry point at $200K-$270K with ranch-style homes that work great for FHA buyers or first-timers stretching their budget. West Coalinga is the growth zone at $250K-$350K with larger lots and modern builds, attracting buyers who want space without going jumbo.
You're looking at about 70 minutes to Fresno, 99 minutes to Bakersfield if you need to commute. That drive is exactly why Coalinga stays affordable while Fresno pushes past $400K. The truth is, most people who buy here work locally at the prison, state hospital, or college. If you're one of those employees, you get California homeownership at prices that haven't existed in most of the state since 2012. If you're thinking about commuting to Fresno regularly, factor that gas and time into whether the lower mortgage payment makes sense for your lifestyle.
Here's the thing about Coalinga: the job market is dominated by stable public sector employers that aren't going anywhere. Pleasant Valley State Prison and Coalinga State Hospital are the two biggest, followed by the Coalinga-Huron Unified School District, West Hills College, and city and county government jobs. This employment mix means lenders see steady W-2 income and consistent payment histories, which helps when you're applying for a mortgage. The public sector concentration also means the local economy doesn't swing as wildly as private sector towns during recessions. You won't find tech salaries here, but you'll find job security that translates to mortgage approval.
Common questions from Coalinga 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 Coalinga 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 Coalinga: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Coalinga buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Coalinga 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 Coalinga 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 Coalinga families purchase with minimal upfront cash.
2026 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Coalinga properties fall within conforming limits, maximizing your financing options.
For Coalinga'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 Coalinga. 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 Coalinga. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Coalinga. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Coalinga 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 Coalinga: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Coalinga buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Coalinga. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Coalinga 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 Coalinga 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 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Coalinga properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Coalinga 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 Coalinga 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 Coalinga families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Coalinga. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Coalinga. 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 Coalinga'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 Coalinga is $541,000 for 2025. This is well above the median home price of $240,000, so FHA loans will cover virtually any home you're considering in the area. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
You won't need a jumbo loan in Coalinga. With conforming and VA loan limits at $833,000 and FHA at $541,000, these conventional loan programs cover homes well beyond the local median price of $240,000. Jumbo loans are only necessary when you exceed these limits, which is extremely rare in this affordable rural market.
For 2025, Fresno County loan limits are $541,000 for FHA loans and $833,000 for both conforming conventional and VA loans. These limits are set annually and typically adjust each January based on home price trends. Given Coalinga's median price of $240,000, these limits provide plenty of borrowing capacity for local homebuyers.
Yes, VA loans are available in Coalinga with a loan limit of $833,000, which covers all homes in this market. If you're a qualified veteran or active military, VA loans offer 0% down with no mortgage insurance, making them one of the best options for eligible buyers in this affordable rural area.
Our No Money Down program offers $0 down payment for qualified buyers in Coalinga. You can also access USDA loans with zero down for rural properties, CalHFA programs offering down payment and closing cost assistance, and Fresno County housing programs. Given the area's rural location and affordable prices, USDA loans are often the perfect fit for Coalinga homebuyers.
You can buy a home in Coalinga with as little as 0% down through USDA or VA loans if you qualify. FHA loans require just 3.5% down (about $8,400 on a $240,000 home), while conventional loans typically need 3% to 5%. With median home prices around $240,000, down payments here are much more manageable than in urban California markets.
You can qualify for a home loan in Coalinga with a credit score as low as 580 for FHA loans or 640 for USDA and conventional loans. VA loans can sometimes go even lower depending on the lender. Many first. time and budget. conscious buyers in Coalinga successfully purchase homes with scores in the 600s, especially when using down payment assistance programs.
Choose a lender experienced with rural and affordable markets like Coalinga who understands USDA, FHA, and down payment assistance programs. Look for someone who can compare multiple loan options for your situation, offers clear communication, and has strong reviews from buyers in similar price ranges. Local expertise matters because programs like USDA require knowledge of rural property eligibility that not all lenders have.
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