Mortgage broker serving Coronado, 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 Coronado buyers, we match your unique situation to the right program.
Coronado's luxury market requires specialized jumbo financing expertise for properties well above the $1.1M conforming limit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Coronado 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 Coronado home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Coronado starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Coronado 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 Coronado 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 Coronado homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Coronado home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Coronado homes exceed the $1.1M limit. Jumbo financing is required for virtually all purchases here.
Coronado buyers can qualify using investment portfolios. Asset depletion converts holdings to qualifying income.
Self-employed Coronado buyers use bank deposits instead of tax returns. 12-24 months statements qualify.
Buy your next Coronado home before selling. Bridge loans cover the gap between properties.
International buyers purchase Coronado properties with foreign national loans. No US credit required.
Coronado tech buyers use RSUs and stock options to qualify. Equity compensation counts as income.
Coronado investors buy in LLC names. Asset protection with entity financing.
Coronado homeowners can access equity for investments. Cash-out refi up to 80% LTV on jumbo.
Refinance Coronado properties under $1.1M at conforming rates. Entry-level homes only.
HELOC access for Coronado homeowners. Flexible credit line against substantial equity.
Home equity loans for Coronado owners. Fixed-rate second mortgage against your equity.
VA IRRRL for Coronado veterans. Refinance existing VA loan with no appraisal needed.
Coronado investors can cash-out immediately after purchase. No seasoning required.
Coronado investment properties qualify on rental income alone. DSCR loans skip employment verification.
Coronado renovation projects get fix-and-flip financing. Short-term funding for major rehabs.
Multifamily financing for Coronado apartment buildings. 5+ unit commercial loans available.
Hard money for Coronado commercial deals. Fast funding when speed matters.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Coronado buyers with qualifying income.
CalHFA assistance technically available but rarely used in Coronado's luxury market.
Family property transfers in Coronado use gift of equity. Seller gifts equity as down payment.
Parents can co-sign for Coronado purchases. Non-occupant co-borrower boosts qualifying income.
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
Coronado is an island community in San Diego Bay with a population of 158,346 and median household income of $103,727. The median home price sits at $3.1M, making this one of California's most exclusive real estate markets. The 63.1% homeownership rate tells you something important: people who buy here tend to stay, and they're typically putting down substantial equity. At these price points, you're looking at jumbo loans with 20-30% down payments, excellent credit, and documented income that can handle a $15K+ monthly mortgage payment.
The schools here are genuinely exceptional, and that matters when you're spending $3M on a home. Village Elementary and Coronado Middle both pull 9 ratings, Coronado High also hits 9, Silver Strand Elementary comes in at 8. These aren't just numbers - they're a big part of why families will pay a premium to live on the island. When you're financing a multi-million dollar property, strong schools protect your investment and keep resale demand high. The district serves military families from the naval bases plus long-term residents, creating a stable community that supports property values even when the broader market softens.
Where you buy on Coronado determines both your lifestyle and your financing strategy. The Village runs $2.5M-$4.2M for everything from vintage cottages to modern condos, and you'll need a jumbo loan with strong financials to compete here. Coronado Shores offers oceanfront high-rise living at $1.8M-$6M - condos in this range often come with HOA fees of $1,500-$3,000 monthly that your lender will factor into debt-to-income ratios. Coronado Cays is the waterfront luxury tier at $3.5M-$8M+, where buyers typically put down 30-40% and finance the rest with jumbo products reserved for high net worth clients. Crown Isle represents the top end at $4M-$12M+ for gated estate homes - all-cash deals are common here, but if you're financing, expect portfolio loans or private banking relationships.
The Coronado Bridge connects you to downtown San Diego in 13 minutes, La Jolla in 27 minutes. That accessibility is a huge part of why prices stay elevated - you get island living without being isolated from job centers. The ferry landing provides an alternative route to downtown that's popular with commuters who work in the Gaslamp or financial district. Real talk: most buyers here either work remotely, own businesses, or have senior positions that justify the home prices. If you're commuting daily to a regular job, the math on a $3M mortgage gets tough unless you've got dual high incomes or significant assets.
Naval Air Station North Island and Naval Amphibious Base Coronado dominate employment on the island, bringing thousands of military personnel and civilian contractors. Hotel del Coronado is the largest private employer, followed by Sharp Coronado Hospital, Coronado Unified School District, and City of Coronado. Here's the thing: the local job market doesn't support the local housing prices. Most homeowners earn their income elsewhere - San Diego's biotech corridor, tech companies, real estate development, medical practices, or they're retired military officers with pensions plus investment income. When you're getting pre-approved at these price points, lenders want to see income stability and reserves that go beyond a single paycheck.
Common questions from Coronado 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 Coronado 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 Coronado: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Coronado buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Coronado 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 Coronado 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 Coronado 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 Coronado properties fall within conforming limits, maximizing your financing options.
For Coronado'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 Coronado. 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 Coronado. 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 Coronado. 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 Coronado 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 Coronado: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Coronado buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Coronado. 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 Coronado 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 Coronado 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 Coronado properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Coronado 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 Coronado 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 Coronado families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Coronado. 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 Coronado. 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 Coronado'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 Coronado is $1,010,000 for 2025. However, with the median home price at $3.1M, FHA loans won't cover most properties in this ultra. luxury coastal market. You'll likely need a jumbo loan for homes in Coronado.
Yes, you'll almost certainly need a jumbo loan in Coronado since the median home price is $3.1M and most properties exceed $3M. The conforming loan limit is only $1.1M in San Diego County, so any financing above that amount requires jumbo financing. Most Coronado buyers use jumbo loans or purchase with significant cash.
For 2025, San Diego County's conforming loan limit is $1.1M, the FHA limit is $1.01M, and the VA limit is $1.1M. The 2026 limits haven't been announced yet, but they're typically released in November 2025. Given Coronado's $3.1M median price, most buyers here need jumbo financing regardless of these limits.
Yes, you can get a VA loan in Coronado with a limit of $1.1M for zero down, and there's no maximum if you make a down payment. However, since most Coronado homes are $3M+, you'd need a substantial down payment to cover the difference. VA jumbo loans are available for eligible service members and veterans purchasing higher. priced properties.
Our No Money Down program offers $0 down payment for qualified buyers. However, with Coronado's $3.1M median price and ultra. luxury market, most buyers here won't qualify for traditional DPA programs like CalHFA due to income limits that typically cap around $200,000. High. net. worth buyers in Coronado usually rely on conventional jumbo financing with significant down payments.
For Coronado's ultra. luxury market, most jumbo lenders require 20% down, which means around $620,000 on a $3.1M median. priced home. Some lenders offer jumbo loans with 10. 15% down for well. qualified borrowers with excellent credit and substantial reserves. Many Coronado buyers put down 30. 40% or more to secure better rates and terms.
For jumbo loans in Coronado's ultra. luxury market, you'll typically need a credit score of at least 700, though most lenders prefer 720 or higher for the best rates. Given the high loan amounts and complex financial profiles common in Coronado, lenders scrutinize credit history, debt. to. income ratios, and cash reserves carefully. Scores above 740 will give you the most financing options and competitive rates.
In Coronado's ultra. luxury market, choose a lender with extensive jumbo loan experience and the ability to handle complex income situations like stock options, bonuses, and business ownership. Look for lenders who can close quickly (important in competitive situations), offer portfolio lending options, and understand high. net. worth financial profiles. Local expertise in San Diego County's luxury market and strong relationships with title companies serving Coronado are essential.
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