Mortgage broker serving Culver City, 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 Culver City buyers, we match your unique situation to the right program.
Culver City's luxury market requires specialized jumbo financing expertise for properties well above the $1.25M 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 Culver City 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 Culver City home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Culver City starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Culver City 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 Culver City 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 Culver City homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| 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 Culver City home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Culver City prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Culver City.
Self-employed? Culver City bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Culver City properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Culver City buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Culver City buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Culver City moves. Purchase before your current home sells.
Entity financing for Culver City investors. Purchase in LLC for asset protection.
Culver City loans under $1.25M get conforming refinance rates. Best rates available.
Access Culver City home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Culver City homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Culver City veterans. Lower your rate without appraisal or income docs.
Culver City home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Culver City homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Culver City can use DSCR financing. Rental income qualifies the loan.
Culver City rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Culver City apartment buildings. Commercial rates for larger properties.
Hard money financing for Culver City commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Culver City buyers with qualifying income.
CalHFA programs can help Culver City first-time buyers. Check income limits for eligibility.
Culver City family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Culver City. Family member income helps qualification.
Check Culver City city programs for additional DPA. May stack with CalHFA for more help.
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
Culver City sits right in the heart of LA's Westside, population 40,357, median household income $114,429. The homeownership rate is 55.9%, which tells you this is a competitive market where renters and buyers fight for the same limited inventory. At $1.6M median home price, you're looking at one of the pricier markets in LA County. But here's the thing: you're paying for location, and location is everything. You're 15 minutes from Santa Monica beaches, 23 minutes from downtown LA, and walking distance to some of the biggest entertainment studios in the world.
If you're buying with kids in mind, Culver City's schools are a major selling point that directly affects property values. El Marino Elementary pulls an 8 rating, Culver City High School also an 8. Linwood E. Howe Elementary and Culver City Middle School both rate 7. These aren't just numbers on a website. They're the reason families stretch their budgets and accept higher mortgage payments to get into this district. When you're looking at a $1.6M median price, you need to know what you're getting for that money. The school quality here means your home will hold value better than comparable properties in neighboring districts with weaker schools. And that 55.9% homeownership rate means you'll have a mix of long-term homeowner neighbors and renters, which is pretty typical for high-cost Westside markets.
Where you buy in Culver City makes a huge difference in your financing options and monthly payment. Fox Hills runs $800K-$1.8M, mostly condos and townhomes in a master-planned community. This is your entry point if you're a first-time buyer with strong income, and conventional loans with 10-20% down work well here. Carlson Park sits at $1.2M-$2.0M with charming bungalows and newer construction on tree-lined streets. You're in the heart of downtown Culver's restaurant scene, which means walkability and resale appeal. Culver Crest goes $1.4M-$2.2M, mid-century modern homes in the hills with city views. Entertainment industry buyers love this area, and you'll need conventional or jumbo financing depending on your down payment. Blair Hills is the top end at $1.8M-$3.5M, custom homes on larger lots where jumbo loans are standard and buyers are typically executives or creative professionals pulling serious income from nearby studios.
The commute situation here is what drives the premium pricing. You're 23 minutes to downtown LA, 15 minutes to Santa Monica, 33 minutes to Long Beach. That's unbeatable for the LA basin. No major highways cut through Culver City itself, which keeps the neighborhoods quieter but means you're using surface streets to access the 10 and 405. Local transit exists but most buyers here drive. The real value is proximity to work. If you're employed at Sony, Amazon Studios, Apple, HBO, or Microsoft, you can literally bike to the office. That daily commute time you save translates to quality of life, and that's why buyers accept mortgage payments that would get them twice the house in the Inland Empire.
Culver City's job market is what justifies these home prices and makes lenders comfortable with the debt-to-income ratios they're seeing. Sony Pictures Entertainment is the anchor employer, along with Amazon Studios, Apple, HBO, and Microsoft all maintaining significant presence here. Culver City Unified School District adds public sector stability. The concentration of entertainment and tech companies means high-paying jobs within a two-mile radius of most homes. When you're applying for a mortgage on a $1.6M property, your lender wants to see stable employment and strong income. The job base here delivers that. Real talk: most buyers in this market are dual-income households pulling $200K-$400K combined, or single buyers in entertainment or tech making serious money. That's what it takes to qualify for the mortgages you'll need here.
Common questions from Culver City 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 Culver City 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 Culver City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Culver City buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Culver City 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 Culver City 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 Culver City 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 Culver City properties fall within conforming limits, maximizing your financing options.
For Culver City'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 Culver City. 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 Culver City. 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 Culver City. 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 Culver City 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 Culver City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Culver City buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Culver City. 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 Culver City 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 Culver City 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 Culver City properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Culver City 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 Culver City 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 Culver City families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Culver City. 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 Culver City. 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 Culver City'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 Culver City is $1,250,000 for 2025. This covers many properties in the area, though with a median home price around $1.6M, you'll likely need a jumbo loan for higher. priced homes. FHA loans require just 3.5% down with a credit score of 580 or higher.
You'll need a jumbo loan for any Culver City home priced above $1,250,000, which includes most properties given the $1.6M median price. Jumbo loans typically require 10. 20% down and stronger credit scores around 700+. For homes at or below the conforming limit, you can use conventional financing with more flexible terms.
The 2026 conforming loan limit for Los Angeles County is $1,250,000 for single. family homes. FHA and VA loan limits match this amount at $1,250,000. These limits apply throughout Culver City and all of Los Angeles County.
Yes, VA loans are available in Culver City with a loan limit of $1,250,000 and no down payment required for eligible veterans. For homes priced above this limit, you can still use a VA loan but you'll need to cover 25% of the amount exceeding $1,250,000. VA loans don't require mortgage insurance, which helps with monthly payments.
Our No Money Down program offers $0 down payment for qualified buyers purchasing in Culver City. CalHFA programs provide down payment and closing cost assistance for first. time buyers, though income limits may apply given the area's higher prices. Los Angeles County also offers DPA programs that can help with lower. priced properties in the market.
For Culver City's median $1.6M home price, you'll typically need $160,000. $320,000 down (10. 20%) with a jumbo loan. Conventional loans allow as little as 3. 5% down for homes under $1,250,000, while FHA requires 3.5% and VA offers $0 down for eligible veterans. Higher down payments often secure better rates on jumbo financing.
Most Culver City buyers need a credit score of at least 700 for jumbo loans on properties above $1,250,000. For conforming loans under the limit, you can qualify with scores as low as 620 for conventional or 580 for FHA. Given the premium market and dual. income professional buyers, lenders typically look for strong credit profiles and stable income documentation.
Look for a lender experienced with Culver City's premium market and jumbo financing, as most properties exceed conforming limits. Compare rates, fees, and closing timelines from multiple lenders, and ask about their experience with properties in the $1.25M. $2M range. A local lender who understands Los Angeles County's competitive market can help you move quickly when you find the right home.
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