Mortgage broker serving Davis, 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 Davis buyers, we match your unique situation to the right program.
Davis buyers navigate properties near the $833K conforming limit, where loan structure impacts rates significantly.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Davis 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 Davis home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Davis starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Davis 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 Davis 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 Davis 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: $832,750 |
| 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 $832,750 |
| 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 Davis buyers. Most homes under $833K with competitive rates.
Strong FHA option in Davis. Low down payment gets you into most properties here.
$0 down for Davis veterans. VA loans cover all properties with no PMI required.
Davis business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Davis. State assistance helps with down payment and closing costs.
Premium Davis homes over $833K require jumbo loans. Less common but available for luxury properties.
Davis sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Davis investors. Buy rentals in entity names.
Conforming refinance for Davis homeowners. Best rates for loans under $833K.
FHA streamline refinance for Davis. Easiest way to lower your existing FHA rate.
VA streamline refi for Davis veterans. Fastest way to reduce your mortgage payment.
Turn Davis home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Davis homeowners. Access equity without replacing first mortgage.
Davis owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Davis investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Davis projects. Short-term financing for value-add investments.
Multifamily options for Davis investors. Finance apartment buildings with commercial loans.
Davis 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 Davis buyers with qualifying income.
CalHFA programs popular in Davis. State assistance helps with down payment and closing costs.
Davis has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Davis buyers. Down payment assistance with no repayment.
Davis family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Davis 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
Davis sits in Yolo County, about 15 miles west of [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca) and home to 67,203 people. Median household income is $83,592, but here's the thing - the homeownership rate is just 42%, way below California's average. That's because this is a college town built around UC Davis, and the $774,500 median home price means you're competing with professors, researchers, and established families who've been here for decades. If you can qualify for a mortgage here, you're buying into one of the most educated, stable communities in the region.
The Davis Joint Unified School District is one of the main reasons families stretch their budgets to buy here instead of renting. Schools like Cesar Chavez Elementary, Pioneer Elementary, and North Davis Elementary consistently pull strong ratings, and that directly affects your property value over time. When you're looking at a $775K mortgage, you want to know the schools will hold up your investment. The district draws families willing to pay a premium, which means when you go to sell in five or ten years, there's always a buyer pool of parents doing exactly what you did. Real talk, the school quality here is baked into every mortgage payment you'll make.
Here's what's unusual about Davis - the median price is $775K across pretty much every neighborhood, from Downtown Davis to Old North to South Davis and West Davis. You're not finding a budget entry point here like you would in most cities. Downtown Davis gets you walkable access to the Farmers Market and local businesses, but you'll need a conventional loan with at least 10-15% down to compete in this market. Old North Davis has the tree-lined streets and older homes that need less to qualify if they're fixers, sometimes opening the door to renovation loans. South Davis and West Davis offer newer construction, which means fewer repair issues but you're paying top dollar. The loan type that works best depends on your down payment - if you've got 20% saved up, conventional is your straightforward path, but if you're coming in with less, you'll struggle against cash-heavy buyers and university employees with solid financing.
The commute to Sacramento is just 21 minutes, which is a huge part of why Davis commands these prices. You can work in the state capital and come home to a college town with bike paths and a completely different pace. [Roseville](/mortgage-loans-and-refinance-in-roseville-ca) is 37 minutes if that's where your job is. But look, most people buying here either work at UC Davis or they've got Sacramento jobs and want their kids in Davis schools. The university dominates the employment landscape, and that stable academic job market keeps property values steady even when other markets dip. If you're financing a home here, you're betting on that university staying put, and that's about as safe a bet as you'll find.
The University of California, Davis is the 800-pound gorilla in this economy, employing thousands between the campus and UC Davis Health System. Davis Joint Unified School District and the City of Davis add public sector stability. Nugget Markets, a regional grocery chain, has a presence here too. The truth is, if you don't work for the university or the schools, you're probably commuting to Sacramento or you're in a specialized field that lets you live anywhere. That university employment base means there's always a steady stream of buyers with secure jobs and decent incomes looking to put down roots. When you're getting pre-approved, your lender knows Davis buyers tend to be lower-risk because of that employment mix. It's part of why conventional loans dominate here and why you'll need strong credit and income documentation to compete.
Common questions from Davis 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 Davis 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 Davis: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Davis buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Davis 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 Davis 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 Davis families purchase with minimal upfront cash.
2026 Yolo County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Davis properties fall within conforming limits, maximizing your financing options.
For Davis'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 Davis. 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 Davis. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yolo County, and structure your purchase to minimize upfront costs.
You still have options in Davis. 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 Yolo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Davis 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 Davis: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Davis buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Davis. 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 Yolo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Davis 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 Davis 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 Yolo County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Davis properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Davis 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 Davis 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 Davis families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Davis. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yolo County, and structure your purchase to minimize upfront costs.
You still have options in Davis. 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 Davis'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 Davis is $765,000 for 2026. This covers most homes in the Davis market where the median price is around $775,000, though you'll need to bring a larger down payment for homes at or above the limit. FHA loans are popular here with first. time buyers since they allow down payments as low as 3.5%.
You won't need a jumbo loan for most Davis homes since the conforming loan limit is $833,000 and the median home price is $775,000. Only homes priced above $833,000 require jumbo financing, which represents a smaller portion of the Davis market. Most buyers here can take advantage of conventional conforming loans with their better rates and terms.
For 2026 in Yolo County, the conforming loan limit is $833,000, the FHA limit is $765,000, and the VA loan limit is $833,000. These limits cover the vast majority of homes in Davis and throughout the county. Both conforming conventional and VA loans offer the highest limits, making them excellent options for move. up buyers.
Yes, VA loans are very competitive in Davis with a loan limit of $833,000, which covers nearly all homes in the market. Eligible veterans and service members can finance up to that amount with $0 down and no mortgage insurance. VA loans are an excellent option here since they offer better terms than FHA for qualified buyers.
Our No Money Down program offers $0 down payment for qualified buyers in Davis. CalHFA programs are also popular here, offering down payment and closing cost assistance for first. time and repeat buyers. Yolo County may have additional local programs, and many buyers combine these with FHA or conventional loans to minimize upfront costs.
Down payment requirements in Davis vary by loan type: conventional loans can go as low as 3% ($23,250 on a $775,000 home), FHA requires 3.5%, and VA or USDA loans offer $0 down for eligible buyers. With the median home at $775,000, many buyers use down payment assistance programs to reduce their upfront costs and preserve savings.
Most lenders require a minimum credit score of 620 for conventional loans in Davis, while FHA loans can go as low as 580 (or even 500 with 10% down). With the median home price at $775,000, you'll get the best rates and terms with a score of 680 or higher. VA loans are often more flexible with credit requirements for qualified veterans.
Choose a lender experienced with Davis's balanced market who can offer multiple loan options including conventional, FHA, and VA products. Look for competitive rates, clear communication, and expertise with down payment assistance programs that can help with the $775,000 median price point. A local lender who understands Yolo County's market and can close on time is essential in this competitive environment.
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