Mortgage broker serving Delano, 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 Delano buyers, we match your unique situation to the right program.
Delano's market offers opportunity for buyers who understand their financing options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Delano 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 Delano home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Delano starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Delano 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 Delano 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 Delano 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 |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates Delano purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Delano. State programs reduce out-of-pocket costs significantly.
Veterans buy Delano homes with $0 down. Full VA benefits cover all properties here.
Many Delano properties qualify for USDA zero-down loans. Rural designation required.
All Delano properties qualify for conforming loans. 3% down minimum for first-time buyers.
Delano local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Delano homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Delano. Investors can purchase in entity names.
FHA streamline dominates Delano refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Delano veterans. No paperwork hassles, quick closing.
Many Delano homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Delano refinance qualifies for conforming rates. Best terms for rate reduction.
Delano owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Delano. Predictable payments for major expenses.
DSCR financing for Delano investors. Buy rentals based on property income potential.
Fix-and-flip financing for Delano investors. Buy distressed properties, renovate, sell.
Commercial hard money in Delano. Quick funding when timing is critical.
Multifamily loans available for Delano apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Delano buyers with qualifying income.
CalHFA is a strong option for Delano. State programs reduce out-of-pocket costs significantly.
Delano local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Delano down payment help. Free money for qualified buyers.
Many Delano properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Delano benefit from gift of equity. No cash down payment needed.
Delano first-time buyers often use co-borrowers. Family help for 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
Delano sits in the heart of Kern County's agricultural zone, about 35 minutes north of Bakersfield in the Central Valley. Population is 50,498, median household income $53,639. The homeownership rate here is 61.6%, which tells you this is a community where people put down roots. At $350K median home price, you're looking at one of the most affordable entry points in California where a family earning $50-60K can actually qualify for a conventional or FHA loan without getting priced out.
The school district here is the economic backbone and the reason a lot of families buy instead of rent. Columbine Elementary, Harvest Elementary, and Nueva Vista Language Academy serve the younger grades, while Del Vista Math And Science Academy and Paramount Academy offer specialized programs. The district isn't pulling top state rankings, but here's the thing: stable enrollment and consistent funding matter more than test scores when you're thinking about property values over a 15 or 30 year mortgage. Families who work in agriculture or the school districts themselves tend to stay put, which keeps neighborhoods stable and your investment protected. That 61.6% homeownership rate means most of your neighbors aren't transient renters, they're invested in the community long term.
Downtown Delano runs around $350K and represents the historic core of the city where you'll find the civic center and original business district. Most buyers here are using FHA loans with 3.5% down or conventional loans if they've got the 5-10% saved up. The housing stock is older, which means you might find homes that need some work but qualify for FHA 203k renovation loans if you want to buy and improve at the same time. Real talk: this isn't a place with luxury subdivisions or gated communities. You're buying into a working class agricultural town where the value proposition is affordability and stability, not granite countertops and HOA amenities. If you need space and a yard without breaking $400K, Delano delivers what most of California can't anymore.
Bakersfield is 35 minutes south, which makes Delano viable if you work in Kern County's oil or government sectors but want cheaper housing. Fresno sits 73 minutes north if you've got Central Valley connections up that way. Stockton at 186 minutes isn't a realistic commute unless you're doing it once a week. The truth is, most people who buy here work locally in agriculture, the school districts, or healthcare. If you're commuting daily to Bakersfield, you're trading half an hour each way for a mortgage payment that's $100-150K less than comparable homes closer in. That's the Central Valley affordability equation, and it works if your job allows it.
Delano Joint Union High School District and Delano Union Elementary School District are the largest employers, which gives the area that public sector job stability that lenders like to see on mortgage applications. Agricultural companies and farms dominate the local economy since this is prime Central Valley farmland, and Delano Regional Medical Center provides healthcare jobs. Look, this is an ag town first and foremost. If you work in farming, packing, distribution, or the support industries around agriculture, you're in the right place. The job mix won't give you tech salaries, but it matches the cost of housing. A household pulling $50-60K can actually afford to buy here, which is the whole point if you want to build equity instead of paying rent forever.
Common questions from Delano 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 Delano 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 Delano: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Delano buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Delano 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 Delano 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 Delano families purchase with minimal upfront cash.
2026 Kern County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Delano properties fall within conforming limits, maximizing your financing options.
For Delano'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 Delano. 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 Delano. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Kern County, and structure your purchase to minimize upfront costs.
You still have options in Delano. 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 Kern County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Delano 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 Delano: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Delano buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Delano. 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 Kern County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Delano 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 Delano 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 Kern County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Delano properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Delano 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 Delano 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 Delano families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Delano. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Kern County, and structure your purchase to minimize upfront costs.
You still have options in Delano. 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 Delano'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 Delano is $541,000 for 2025. This is well above the typical home prices in Delano, where most homes sell between $300K and $450K, making FHA loans an excellent option for local buyers.
You won't need a jumbo loan in Delano. With a median home price around $350,000 and the conforming loan limit at $833,000, virtually all homes here qualify for conventional, FHA, or VA financing with better rates than jumbo loans.
For 2025, Kern County's loan limits are $541,000 for FHA loans and $833,000 for both conventional and VA loans. The 2026 limits typically get announced in November 2025, though they often remain similar in stable markets like Delano.
Yes, VA loans work great in Delano with a loan limit of $833,000 and no down payment required for eligible veterans. Since most Delano homes are priced well under this limit, you can buy with $0 down if you qualify for VA benefits.
Our No Money Down program offers $0 down payment for qualified buyers in Delano. You can also access CalHFA programs that provide up to 3.5% assistance, Kern County housing programs, and USDA loans in eligible areas that offer zero down payment options for moderate. income buyers.
You can buy a Delano home with as little as 3.5% down using an FHA loan, which means about $12,250 on a $350,000 home. With down payment assistance programs or VA/USDA loans, many first. time buyers in Delano can purchase with $0 down.
You can qualify for an FHA loan in Delano with a credit score as low as 580, or even 500 with 10% down. Most first. time buyers here successfully purchase with scores in the 620. 680 range, and conventional loans typically require at least 620.
Look for a lender experienced with Delano's market who specializes in FHA loans and down payment assistance programs that first. time buyers here rely on. The right lender will help you navigate CalHFA, local DPA options, and find the best program for your situation, not just offer the lowest rate.
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