Mortgage broker serving Dinuba, 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 Dinuba buyers, we match your unique situation to the right program.
Dinuba'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 Dinuba 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 Dinuba home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Dinuba starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Dinuba 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 Dinuba 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 Dinuba 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 Dinuba purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Dinuba. State programs reduce out-of-pocket costs significantly.
Veterans buy Dinuba homes with $0 down. Full VA benefits cover all properties here.
Many Dinuba properties qualify for USDA zero-down loans. Rural designation required.
All Dinuba properties qualify for conforming loans. 3% down minimum for first-time buyers.
Dinuba local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Dinuba homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Dinuba. Investors can purchase in entity names.
FHA streamline dominates Dinuba refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Dinuba veterans. No paperwork hassles, quick closing.
Many Dinuba homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Dinuba refinance qualifies for conforming rates. Best terms for rate reduction.
Dinuba owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Dinuba. Predictable payments for major expenses.
DSCR financing for Dinuba investors. Buy rentals based on property income potential.
Fix-and-flip financing for Dinuba investors. Buy distressed properties, renovate, sell.
Commercial hard money in Dinuba. Quick funding when timing is critical.
Multifamily loans available for Dinuba 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 Dinuba buyers with qualifying income.
CalHFA is a strong option for Dinuba. State programs reduce out-of-pocket costs significantly.
Dinuba local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Dinuba down payment help. Free money for qualified buyers.
Many Dinuba properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Dinuba benefit from gift of equity. No cash down payment needed.
Dinuba 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
Dinuba sits in the heart of [Tulare](/mortgage-loans-and-refinance-in-tulare-ca) County's agricultural belt, about 35 miles southeast of Fresno. Population is 24,713, median household income $54,590. The homeownership rate here is 59.1%, which tells you this is a working-class community where people can still afford to buy. At $383K median home price, you're looking at one of the last affordable spots in Central California where a family earning in the mid-50s can qualify for a conventional loan without stretching into dangerous debt-to-income territory.
If you've got kids, the school ratings matter for both your daily life and your resale value down the line. Grand View Elementary and Wilson Elementary both pull 7s, Jefferson Elementary and Dinuba High sit at 6s. These aren't elite scores, but they're solid and stable for a smaller Central Valley town. The district serves the whole community, which means your neighbors are invested in keeping things running well. When you're comparing mortgage payments to rent, remember that 59.1% ownership rate means most families here chose to buy and stay, not just pass through.
Where you buy in Dinuba affects what kind of loan you'll need and what your payment looks like. Silver Oaks runs $360K-$420K with newer construction and modern layouts, perfect for conventional financing if you've got decent credit and 5-10% down. Cobblestone Estates sits in the same range at $370K-$430K, family-oriented with good schools nearby, same loan story. Fieldstone Oaks offers $340K-$390K on larger lots with mature trees, appeals to buyers wanting more yard space without jumping into jumbo territory. Downtown Historic District is your entry point at $280K-$350K, older homes with character that work well for FHA buyers or first-timers willing to put in some sweat equity. The price spread here means you've got options depending on how much house payment you can handle.
[Fresno](/mortgage-loans-and-refinance-in-fresno-ca) sits 37 minutes up the road, which is manageable if you work there but want cheaper housing and a smaller-town feel. [Bakersfield](/mortgage-loans-and-refinance-in-bakersfield-ca) is 92 minutes south, doable but you'd better really want that job or really love Dinuba. Most people who buy here work locally or in the immediate ag region, not commuting to major metros daily. The trade-off is simple: you get affordable mortgage payments because you're not paying for proximity to big-city jobs. If you work remotely or in agriculture, that's a win. If you're commuting to Fresno regularly, factor that gas and time into your housing budget.
Real talk, Dinuba runs on agriculture and the businesses that support it. Sun-Maid Growers and Ruiz Foods are major private employers, plus you've got local packing houses and farm operations throughout the area. Dinuba Unified School District provides steady public sector work, along with the City of Dinuba itself. Adventist Health Tulare adds healthcare jobs to the mix. This isn't a tech hub or a tourist town, it's a working agricultural community where people earn steady middle-class incomes. That $54K median household income lines up pretty well with that $383K median home price, which is why conventional loans with reasonable down payments actually work here for local buyers.
Common questions from Dinuba 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 Dinuba 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 Dinuba: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Dinuba buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Dinuba 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 Dinuba 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 Dinuba families purchase with minimal upfront cash.
2026 Tulare County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Dinuba properties fall within conforming limits, maximizing your financing options.
For Dinuba'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 Dinuba. 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 Dinuba. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Tulare County, and structure your purchase to minimize upfront costs.
You still have options in Dinuba. 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 Tulare County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Dinuba 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 Dinuba: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Dinuba buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Dinuba. 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 Tulare County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Dinuba 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 Dinuba 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 Tulare County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Dinuba properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Dinuba 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 Dinuba 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 Dinuba families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Dinuba. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Tulare County, and structure your purchase to minimize upfront costs.
You still have options in Dinuba. 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 Dinuba'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 Dinuba is $541,000 for 2025. This is more than enough for most homes in Dinuba, where the median price is around $383,000. FHA loans are extremely popular here since they allow down payments as low as 3.5% and accept credit scores starting at 580.
You won't need a jumbo loan in Dinuba. With the conforming loan limit at $833,000 and most homes priced between $300,000 and $450,000, standard FHA, conventional, and VA loans will cover your purchase. Jumbo loans are only necessary when you exceed the conforming limit, which is rare in this market.
For 2025, Tulare County loan limits are $541,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits are set annually and typically increase slightly each year. The 2026 limits will be announced in late 2025, but current limits comfortably cover Dinuba's housing market.
Yes, VA loans are available in Dinuba with a loan limit of $833,000, which covers all homes in the area. If you're a qualified veteran or active military, VA loans offer 0% down with no mortgage insurance. This is one of the best options for eligible buyers in Dinuba's entry. level market.
Our No Money Down program offers $0 down payment for qualified buyers in Dinuba. CalHFA programs provide down payment and closing cost assistance for first. time buyers, and Tulare County may offer local DPA grants. USDA loans are also available in some parts of Dinuba, offering 100% financing for eligible rural properties.
You can buy a Dinuba home with as little as 0% down using VA, USDA, or our No Money Down program. FHA loans require just 3.5% down (about $13,400 on a $383,000 home), while conventional loans typically need 3% to 5%. Down payment assistance programs can cover most or all of these costs for qualified first. time buyers.
You can qualify for an FHA loan in Dinuba with a credit score as low as 580, or sometimes even 500 with a larger down payment. Conventional loans typically require a 620 minimum, while VA loans are more flexible. Given Dinuba's entry. level market, most lenders work regularly with buyers in the 580. 680 range.
Choose a lender experienced with Dinuba's entry. level market who understands FHA loans and down payment assistance programs. Look for someone who can explain CalHFA, county DPA programs, and USDA options clearly. The right lender will help first. time buyers navigate limited savings and credit challenges while getting you the best rate and lowest out. of. pocket costs.
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