Mortgage broker serving Commerce, 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 Commerce buyers, we match your unique situation to the right program.
Commerce 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 Commerce 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 Commerce home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Commerce starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Commerce 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 Commerce 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 Commerce 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 Commerce buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Commerce. Low down payment gets you into most properties here.
$0 down for Commerce veterans. VA loans cover all properties with no PMI required.
Commerce business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Commerce. State assistance helps with down payment and closing costs.
Premium Commerce homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Commerce sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Commerce investors. Buy rentals in entity names.
Conforming refinance for Commerce homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Commerce. Easiest way to lower your existing FHA rate.
VA streamline refi for Commerce veterans. Fastest way to reduce your mortgage payment.
Turn Commerce home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Commerce homeowners. Access equity without replacing first mortgage.
Commerce owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Commerce investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Commerce projects. Short-term financing for value-add investments.
Multifamily options for Commerce investors. Finance apartment buildings with commercial loans.
Commerce 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 Commerce buyers with qualifying income.
CalHFA programs popular in Commerce. State assistance helps with down payment and closing costs.
Commerce has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Commerce buyers. Down payment assistance with no repayment.
Commerce family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Commerce 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
Commerce sits in southeast LA County, just 8 miles east of downtown. Population is only 12,253, but don't let that fool you - this is one of the most economically active square miles in California. Median household income is $66,071, homeownership rate 55.3%, and the median home price is $844K. That's steep compared to the Inland Empire, but you're buying into a location that's basically in LA proper with a 15-minute commute to downtown and access to major employers right in your backyard.
The school situation here is straightforward but limited given the city's small size. Bandini Elementary pulls a 6 rating, Rosewood Park Elementary a 7, and Commerce Middle School a 6. These aren't the highest scores you'll find in LA County, but families buying here are usually prioritizing location and job access over top-tier school ratings. The proximity to parks like Rosewood and Bandini gives kids outdoor space, which matters when you're looking at smaller lot sizes typical of dense urban areas. If schools are your top priority, you'll want to factor in private school costs or look at neighboring districts when calculating what you can afford monthly alongside your mortgage payment.
Commerce Triangle runs $780K-$900K and puts you right in the mix of industrial and commercial activity with easy freeway access - conventional loans are standard here, and buyers are often dual-income households who work locally or commute short distances. Bandini sits at $750K-$850K with more single-family homes and multi-family properties, popular with families who want that school and park proximity - FHA loans can work on the lower end if you've got solid income documentation. Rosewood is the higher end at $820K-$950K, offering that established neighborhood feel with mature trees near Rosewood Park - you're looking at conventional financing here, and buyers tend to be move-up purchasers or families who've built equity elsewhere in LA County. The entire city is compact, so you're never more than a few minutes from work, shopping, or the freeway.
Here's the thing about Commerce - location is the whole value proposition. You're 15 minutes to downtown LA, 30 minutes to Santa Monica, 24 minutes to Long Beach, 40 minutes to Irvine. That kind of central access is what keeps prices at $844K when you could buy twice the house an hour east. Local transit is available, but most people drive given the short commute times and the fact that many employers are right here in the city. If you work at the Commerce Casino, Citadel Outlets, Amazon, or UPS, you might be walking distance from home. That's the trade-off you're financing - you pay more per square foot, but you get back hours of your life every week.
The job density here is wild for such a small population. Commerce Casino & Hotel is a major employer, Citadel Outlets brings retail jobs, Amazon's fulfillment center and UPS Supply Chain Solutions mean logistics work, and Southern California Edison has a presence here too. The City of Commerce itself employs residents in municipal roles. Real talk - a lot of buyers here work within a 5-mile radius of where they're buying, which changes the affordability math when you're not spending $400 a month on gas or putting 20,000 miles a year on your car. Lenders look favorably on stable employment with these established companies, and if you're working locally with a $66K household income, that $750K-$850K range in Bandini becomes more realistic than it looks on paper.
Common questions from Commerce 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 Commerce 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 Commerce: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Commerce buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Commerce 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 Commerce 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 Commerce families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Commerce properties fall within conforming limits, maximizing your financing options.
For Commerce'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 Commerce. 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 Commerce. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Commerce. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Commerce 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 Commerce: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Commerce buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Commerce. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Commerce 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 Commerce 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Commerce properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Commerce 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 Commerce 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 Commerce families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Commerce. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Commerce. 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 Commerce'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 Commerce is $1,250,000 for 2025, which covers most homes in the area since the median price is around $844K. This higher limit makes FHA loans a great option for first. time buyers who want to purchase with as little as 3.5% down. You'll find FHA financing works well for the majority of properties available in Commerce.
Most buyers in Commerce don't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $844K. You'll only need jumbo financing if you're purchasing a home above $1.25 million, which represents a smaller segment of the market here. The majority of Commerce properties fall comfortably within conventional and FHA loan limits.
For 2025, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans, covering cities like Commerce. These limits are announced annually in November, so 2026 limits aren't available yet but typically adjust based on home price trends. The current $1.25M limit provides strong purchasing power for most buyers in the area.
Yes, VA loans are available in Commerce with a loan limit of $1,250,000, which covers the vast majority of homes in the area. Eligible veterans and service members can purchase with $0 down and no monthly mortgage insurance, making it one of the most affordable financing options. With the median home price at $844K, VA loans offer excellent value for qualified buyers.
Our No Money Down program offers $0 down payment for qualified buyers in Commerce. Additionally, CalHFA provides down payment assistance grants and deferred. payment junior loans that work well with the area's median price point of $844K. Los Angeles County also offers programs for first. time buyers and moderate. income households that can help bridge the gap to homeownership.
Down payment requirements in Commerce vary by loan type: conventional loans typically need 3% to 5% ($25K to $42K on an $844K home), FHA requires 3.5% ($29.5K), and VA or USDA loans offer $0 down for qualified buyers. With median home prices around $844K, many buyers use down payment assistance programs to reduce their upfront costs. Your specific requirement depends on your loan program and financial profile.
Most lenders require a minimum credit score of 620 for conventional loans in Commerce, while FHA loans can go as low as 580 (or even 500 with 10% down). With homes in the $600K to $900K range, you'll get the best rates and terms with a score of 680 or higher. VA loans are also flexible with credit requirements for qualified veterans and service members.
Look for a lender experienced with Commerce's balanced market and the $600K to $900K price range who can offer multiple loan options including FHA, VA, and conventional programs. Compare rates, fees, and closing timelines from at least three lenders, and ask about their experience with down payment assistance programs. The right lender will understand Los Angeles County's loan limits and help you navigate the best financing strategy for your situation.
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