Mortgage broker serving Cudahy, 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 Cudahy buyers, we match your unique situation to the right program.
Cudahy provides attainable homeownership, but buyers face specific financing challenges.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Cudahy 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 Cudahy home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Cudahy starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Cudahy 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 Cudahy 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 Cudahy 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 Cudahy buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Cudahy. Low down payment gets you into most properties here.
$0 down for Cudahy veterans. VA loans cover all properties with no PMI required.
Cudahy business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Cudahy. State assistance helps with down payment and closing costs.
Premium Cudahy homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Cudahy sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Cudahy investors. Buy rentals in entity names.
Conforming refinance for Cudahy homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Cudahy. Easiest way to lower your existing FHA rate.
VA streamline refi for Cudahy veterans. Fastest way to reduce your mortgage payment.
Turn Cudahy home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Cudahy homeowners. Access equity without replacing first mortgage.
Cudahy owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Cudahy investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Cudahy projects. Short-term financing for value-add investments.
Multifamily options for Cudahy investors. Finance apartment buildings with commercial loans.
Cudahy 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 Cudahy buyers with qualifying income.
CalHFA programs popular in Cudahy. State assistance helps with down payment and closing costs.
Cudahy has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Cudahy buyers. Down payment assistance with no repayment.
Cudahy family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Cudahy 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
Cudahy sits in southeast LA County, squeezed into 1.2 square miles between Bell and Bell Gardens. Population is 22,657, median household income $49,596. Here's the thing: the homeownership rate is just 11.9%, one of the lowest in California. At $671K median home price, you're looking at properties that need about $135K down for a conventional loan with decent terms. That's tough math when most households here earn under $50K. But if you can swing the financing, you're buying into the LA metro area with commutes to downtown LA under 25 minutes.
The school situation is what you'd expect for a working-class LA suburb. Teresa Hughes Elementary pulls a 6 rating, Jaime Escalante Elementary gets a 7, Park Avenue Elementary sits at 6. These aren't top-tier scores, but they're stable neighborhood schools serving local families. Most kids here attend LAUSD schools, which means you're part of the largest district in California with all the resources and challenges that brings. For buyers with children, the low homeownership rate actually tells you something important: most families here rent, which means less competition when you're ready to buy. If you can qualify for a mortgage in this price range, you'll be in the minority of residents who own.
Where you buy in Cudahy affects your entry point and loan strategy. Central Cudahy runs $580K-$720K with established single-family homes and small apartment complexes along Atlantic Avenue. You'll need strong income documentation for conventional loans here. East Cudahy sits at $620K-$750K, mostly mid-century single-family homes near schools and parks, attracting families who can qualify for the higher end of conventional financing. West Cudahy offers the best value at $550K-$680K near the LA River, mix of housing types with newer developments, and this is where FHA loans with 3.5% down can work if you meet income requirements. Atlantic Corridor is your entry point at $500K-$650K, mixed-use properties and condos, and this is where first-time buyers using FHA or even VA loans if eligible can actually get in. The truth is, even the most affordable properties here require serious income verification given the price-to-income ratio.
The commute situation is actually Cudahy's biggest selling point for the price. You're 22 minutes to downtown LA, 21 minutes to Long Beach, 36 minutes to Santa Monica, 43 minutes to Irvine. That's real access to the entire LA basin without living in the expensive parts. Local transit runs through the area, and you're close enough to major job centers that you're not burning hours on the freeway like High Desert commuters. If you work anywhere in central or southeast LA County, Cudahy keeps you close while offering slightly better value than Bell Gardens or Huntington Park next door. The location is why properties hold value even with the lower homeownership rate.
The employment picture here is typical for a small LA County city. City of Cudahy and LAUSD provide public sector stability. Superior Grocers, FedEx Ground, and local manufacturing companies offer private sector jobs. Healthcare services and clinics round out the mix. Real talk: most people who buy in Cudahy don't work in Cudahy. They work elsewhere in LA County and buy here because it's one of the few remaining sub-$700K markets with reasonable commutes. When you're applying for a mortgage, lenders will want to see steady employment anywhere in the metro area. The job diversity across LA County means you're not dependent on one local employer, which helps with long-term property values and your ability to make payments even if you switch jobs.
Common questions from Cudahy 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 Cudahy 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 Cudahy: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Cudahy buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Cudahy 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 Cudahy 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 Cudahy 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 Cudahy properties fall within conforming limits, maximizing your financing options.
For Cudahy'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 Cudahy. 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 Cudahy. 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 Cudahy. 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 Cudahy 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 Cudahy: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Cudahy buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Cudahy. 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 Cudahy 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 Cudahy 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 Cudahy properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Cudahy 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 Cudahy 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 Cudahy families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Cudahy. 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 Cudahy. 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 Cudahy'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 Cudahy is $1,250,000 for 2025, which covers nearly all homes in the area since the median price is around $671K. This high limit means you can purchase most properties in Cudahy with as little as 3.5% down through FHA financing. FHA loans are especially popular here for first. time buyers who want lower down payment options.
You won't need a jumbo loan for most Cudahy homes since the conforming loan limit is $1,250,000 and the median home price is $671K. Only properties priced above $1.25M would require jumbo financing, which represents a small fraction of the local market. The high conforming limits in Los Angeles County mean you'll typically qualify for better rates and terms on standard loans.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Cudahy and all other cities in the county, reflecting the area's higher housing costs. These generous limits mean most buyers can access conventional, FHA, or VA financing without needing jumbo loans.
Yes, VA loans are available in Cudahy with a loan limit of $1,250,000, covering virtually all 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 competitive loan options here. With the median home at $671K, VA loans offer significant savings compared to conventional financing.
Our No Money Down program offers $0 down payment for qualified buyers in Cudahy. Additionally, CalHFA programs provide down payment and closing cost assistance with options like the MyHome Assistance Program offering up to 3.5% in deferred. payment junior loans. Los Angeles County also offers various first. time homebuyer programs that can help bridge the gap between the median income of $49,596 and the $671K median home price.
Down payments in Cudahy vary by loan type: FHA requires just 3.5% (about $23,500 on a $671K home), conventional loans typically need 3. 5% for first. time buyers, and VA loans offer $0 down for eligible veterans. With median homes around $671K, you're looking at roughly $20,000. $34,000 for most conventional purchases, though down payment assistance programs can significantly reduce this amount.
Most lenders in Cudahy require a minimum credit score of 580 for FHA loans with 3.5% down, while conventional loans typically need 620 or higher. VA loans generally require at least 580. 620 depending on the lender. To get the best rates on Cudahy's median $671K homes, aim for a score of 680 or above, which can save you thousands over the life of your loan.
Choose a lender experienced with Cudahy's market who can navigate the area's median price point of $671K and understands local buyer needs. Compare rates, fees, and loan programs like FHA, VA, and down payment assistance options that work well for the mixed buyer pool here. Look for lenders who offer pre. approval quickly and communicate clearly throughout the process, especially if you're competing in this balanced market.
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