Mortgage broker serving Del Mar, 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 Del Mar buyers, we match your unique situation to the right program.
Del Mar'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 Del Mar 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 Del Mar home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Del Mar starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Del Mar 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 Del Mar 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 Del Mar 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 Del Mar home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Del Mar homes exceed the $1.1M limit. Jumbo financing is required for virtually all purchases here.
Del Mar buyers can qualify using investment portfolios. Asset depletion converts holdings to qualifying income.
Self-employed Del Mar buyers use bank deposits instead of tax returns. 12-24 months statements qualify.
Buy your next Del Mar home before selling. Bridge loans cover the gap between properties.
International buyers purchase Del Mar properties with foreign national loans. No US credit required.
Del Mar tech buyers use RSUs and stock options to qualify. Equity compensation counts as income.
Del Mar investors buy in LLC names. Asset protection with entity financing.
Del Mar homeowners can access equity for investments. Cash-out refi up to 80% LTV on jumbo.
Refinance Del Mar properties under $1.1M at conforming rates. Entry-level homes only.
HELOC access for Del Mar homeowners. Flexible credit line against substantial equity.
Home equity loans for Del Mar owners. Fixed-rate second mortgage against your equity.
VA IRRRL for Del Mar veterans. Refinance existing VA loan with no appraisal needed.
Del Mar investors can cash-out immediately after purchase. No seasoning required.
Del Mar investment properties qualify on rental income alone. DSCR loans skip employment verification.
Del Mar renovation projects get fix-and-flip financing. Short-term funding for major rehabs.
Multifamily financing for Del Mar apartment buildings. 5+ unit commercial loans available.
Hard money for Del Mar 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 Del Mar buyers with qualifying income.
CalHFA assistance technically available but rarely used in Del Mar's luxury market.
Family property transfers in Del Mar use gift of equity. Seller gifts equity as down payment.
Parents can co-sign for Del Mar 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
Del Mar sits right on the San Diego coast with just under 4,000 residents and a median household income of $185,335. The homeownership rate is 55.3%, which is actually lower than you'd expect for such an expensive area - that's because plenty of wealthy buyers keep second homes here or rent high-end properties seasonally. At $4.69M median home price, this isn't where first-time buyers are shopping. You're looking at jumbo loans, substantial down payments, and the kind of income documentation that shows you can handle a $20K+ monthly mortgage payment. This is one of the priciest zip codes in San Diego County, and it prices accordingly.
The schools here are about as good as it gets in California. Del Mar Heights Elementary scores a perfect 10, Del Mar Hills Elementary pulls a 9, and kids feed into Torrey Pines High which sits at a 9 as well. When you're paying $4M+ for a home, you expect top-tier schools, and Del Mar delivers. These ratings matter for resale value because families with the means to buy here absolutely prioritize education, and they'll pay a premium to stay in this district. The school quality is baked into every property price, which means you're not just buying a house - you're buying into one of the most competitive school systems in the region.
Del Mar Village runs $3.5M to $8M and gives you that classic beach town vibe with cottages and estates you can walk to the ocean from. You're looking at jumbo loans here, and most buyers put down 30-40% to keep payments manageable on properties this expensive. Del Mar Heights sits on the bluffs at $4M to $12M with modern luxury builds and ocean views - this is where tech executives and medical professionals land when they want new construction with a view. Carmel Valley on the Del Mar side runs $2.8M to $6M with newer planned communities and townhomes, which is the relative bargain in this area. Even at $2.8M you need serious income to qualify, but it's the entry point if you want Del Mar schools without paying Village or Heights prices.
You're 25 minutes to downtown San Diego and 28 minutes to La Jolla, which makes Del Mar incredibly convenient for high-earning professionals who work in biotech, finance, or healthcare in those job centers. The commute is short and scenic along the coast, and that proximity is a big part of why prices stay so high here. There's local transit available, but let's be honest - at this price point, most residents are driving their own cars. The location between San Diego and North County means you get easy access to everything without the density of living right in the city.
Del Mar itself is tiny, so the major employers are niche. The Del Mar Fairgrounds and Thoroughbred Club bring seasonal work and tourism dollars, especially during racing season. The Del Mar Union School District employs teachers and staff, and the City of Del Mar has a small municipal workforce. But here's the thing - most Del Mar residents don't work in Del Mar. They commute to Qualcomm in nearby Sorrento Valley, UC San Diego, or high-level positions throughout San Diego proper. The real economic driver here is that Del Mar attracts people who've already made their money elsewhere and want to live at the beach with great schools. When you're underwriting loans here, you're looking at executives, doctors, successful business owners, and equity-rich buyers who can document substantial assets beyond just W-2 income.
Common questions from Del Mar 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 Del Mar 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 Del Mar: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Del Mar buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Del Mar 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 Del Mar 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 Del Mar 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 Del Mar properties fall within conforming limits, maximizing your financing options.
For Del Mar'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 Del Mar. 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 Del Mar. 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 Del Mar. 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 Del Mar 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 Del Mar: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Del Mar buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Del Mar. 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 Del Mar 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 Del Mar 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 Del Mar properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Del Mar 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 Del Mar 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 Del Mar families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Del Mar. 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 Del Mar. 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 Del Mar'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 Del Mar is $1,010,000 for 2025. However, with a median home price of $4.7M, FHA loans aren't practical for most Del Mar purchases since they only cover about 21% of the typical home price here.
Yes, you'll almost certainly need a jumbo loan in Del Mar since the median home price is $4.7M and the conforming loan limit is only $1.1M. Jumbo loans are the standard financing option in this ultra. luxury coastal market, and most lenders here specialize in structuring them for high. net. worth buyers.
For 2025, San Diego County's conforming loan limit is $1,149,825, the FHA limit is $1,010,000, and the VA limit is $1,149,825. These limits are adjusted annually based on home price trends, so 2026 limits will be announced in late 2025.
Yes, eligible veterans can use VA loans in Del Mar with a limit of $1,149,825 for zero down purchases. However, since Del Mar's median price is $4.7M, you'd need to cover the difference with a substantial down payment or consider a VA jumbo loan if you want to leverage your benefits here.
Our No Money Down program offers $0 down payment for qualified buyers. However, given Del Mar's $4.7M median price and the typical high. net. worth buyer profile, most purchasers here don't qualify for traditional DPA programs like CalHFA due to income limits. Most Del Mar buyers use conventional jumbo financing with significant down payments rather than assistance programs.
For jumbo loans in Del Mar's ultra. luxury market, you'll typically need 20% to 30% down, which means $940,000 to $1.4M on the median $4.7M home. Some lenders offer jumbo loans with 10% down for exceptionally qualified borrowers, though larger down payments often secure better rates and terms.
For jumbo loans in Del Mar, you'll generally need a credit score of at least 700, with most lenders preferring 720 or higher for the best rates. Given the ultra. luxury price point and complex financial profiles common here, lenders focus heavily on overall financial strength including assets, reserves, and debt. to. income ratios alongside your credit score.
In Del Mar's ultra. luxury market, choose a lender experienced with jumbo loans and complex income situations like stock options, business ownership, or trust structures. Look for someone who can close quickly with certainty, understands high. net. worth financial profiles, and has strong relationships with local agents since competitive all. cash offers are common here.
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