Mortgage broker serving Dixon, 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 Dixon buyers, we match your unique situation to the right program.
The Dixon market rewards buyers with verified financing and competitive loan terms.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Dixon 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 Dixon home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Dixon starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Dixon 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 Dixon 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 Dixon 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 Dixon buyers. Most homes under $833K with competitive rates.
Strong FHA option in Dixon. Low down payment gets you into most properties here.
$0 down for Dixon veterans. VA loans cover all properties with no PMI required.
Dixon business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Dixon. State assistance helps with down payment and closing costs.
Premium Dixon homes over $833K require jumbo loans. Less common but available for luxury properties.
Dixon sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Dixon investors. Buy rentals in entity names.
Conforming refinance for Dixon homeowners. Best rates for loans under $833K.
FHA streamline refinance for Dixon. Easiest way to lower your existing FHA rate.
VA streamline refi for Dixon veterans. Fastest way to reduce your mortgage payment.
Turn Dixon home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Dixon homeowners. Access equity without replacing first mortgage.
Dixon owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Dixon investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Dixon projects. Short-term financing for value-add investments.
Multifamily options for Dixon investors. Finance apartment buildings with commercial loans.
Dixon 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 Dixon buyers with qualifying income.
CalHFA programs popular in Dixon. State assistance helps with down payment and closing costs.
Dixon has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Dixon buyers. Down payment assistance with no repayment.
Dixon family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Dixon 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
Dixon sits in Solano County about 23 miles southwest of [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca) and 72 miles northeast of [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca). Population is 19,071, median household income $92,138. The homeownership rate here is 59.3%, and at $609K median home price, you're looking at one of the last somewhat affordable entry points to the greater Bay Area market. A household pulling in $90K can actually qualify for a mortgage here with decent down payment and rate, which you can't say for most places within commuting distance of San Francisco or Oakland.
The school ratings matter when you're thinking about both living here and eventual resale. Gretchen Higgins Elementary pulls an 8, Anderson Elementary and C.A. Jacobs Intermediate both score 7s, and Dixon High comes in at 7. These aren't Palo Alto numbers, but they're solid and consistent across the district. Dixon Unified runs the whole show here, which means no weird boundary issues between competing districts. That consistency helps property values stay stable, and lenders like stability when they're underwriting your loan. Families who buy here tend to stick around, which is why you'll see that 59.3% ownership rate.
Where you land in Dixon affects your loan strategy pretty directly. West Park runs $550K-$650K, established single-family homes with mature trees and quiet streets, conventional loans work well if you've got 10-20% down. Research Park is newer construction at $580K-$680K, attracts professionals who can swing conventional or sometimes jumbo depending on the property and their down payment situation. Downtown Dixon is your entry point at $480K-$580K, older homes with character near the Carnegie Library, and this is where FHA loans make sense for first-timers who can handle a bit of updating. Northeast Dixon splits the difference at $520K-$620K, mix of older and newer builds with easy freeway access, good for buyers who need that commute flexibility and can qualify conventional.
Here's the thing about Dixon. You're 72 minutes to San Francisco on a decent day, 62 to Oakland, 96 to San Jose. That's why you can still buy here for $609K while similar homes in Walnut Creek or Pleasanton run $1.2M plus. The commute is real, but it's what keeps your mortgage payment under control. If you're working hybrid or can handle the drive a few days a week, you're trading windshield time for a loan amount that won't crush you. Local transit exists but most people drive. The proximity to Sacramento also matters, it's only 23 miles, so some buyers commute there instead and cut their drive time in half.
Dixon Unified School District is the biggest employer, followed by the City of Dixon and Solano County government jobs. That public sector base keeps things steady, which lenders notice when they're looking at local market risk. UC Davis sits nearby and employs a chunk of residents who want affordable housing outside the university premium zone. The Walmart Distribution Center adds logistics jobs, and local agricultural businesses still operate in the area. Real talk, most buyers here either work locally in education or government, commute to Sacramento, or make the longer haul to the Bay Area. That income mix is why you see a $92K median household income supporting a $609K median home price, the math actually works if you're not trying to buy in Marin or San Mateo.
Common questions from Dixon 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 Dixon 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 Dixon: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Dixon buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Dixon 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 Dixon 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 Dixon families purchase with minimal upfront cash.
2026 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Dixon properties fall within conforming limits, maximizing your financing options.
For Dixon'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 Dixon. 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 Dixon. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Dixon. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Dixon 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 Dixon: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Dixon buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Dixon. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Dixon 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 Dixon 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 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Dixon properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Dixon 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 Dixon 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 Dixon families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Dixon. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Dixon. 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 Dixon'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 Dixon is $725,000 for 2025. This covers most homes in Dixon's market, where the median price is around $609,000. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
Most Dixon buyers won't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $609,000. You'll only need a jumbo loan if you're buying a home priced above $833,000, which represents the higher end of Dixon's market. Conforming loans typically offer better rates and more flexible terms than jumbo products.
For 2025, Solano County's conforming loan limit is $833,000, the FHA limit is $725,000, and the VA limit is $833,000. The 2026 limits haven't been announced yet, but they're typically released in November 2025. These limits are reviewed annually and may increase based on home price trends.
Yes, VA loans are very competitive in Dixon with a loan limit of $833,000, which covers virtually all homes in the area. VA loans offer significant benefits including $0 down payment, no mortgage insurance, and competitive interest rates. If you're a qualified veteran or active duty service member, this is often the best financing option available.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. Dixon residents can also access CalHFA programs offering down payment and closing cost assistance, plus Solano County's local DPA programs. These programs are especially helpful for first. time buyers in Dixon's $600K. $900K market range.
Down payment requirements in Dixon vary by loan type: VA loans offer $0 down, FHA requires 3.5% (about $21,000 on a $609,000 home), and conventional loans typically need 3. 5% for first. time buyers. With Dixon's median price at $609,000, you could be looking at $18,000. $30,000 down for conventional financing, though down payment assistance can reduce or eliminate this.
Most Dixon lenders require a minimum credit score of 620 for conventional loans, though FHA loans accept scores as low as 580 (or even 500 with 10% down). VA loans typically want 620 or higher for the best terms. Given Dixon's balanced market and median price of $609,000, having a score of 640 or above will give you access to better rates and more loan options.
Look for a lender experienced with Dixon's market and the specific loan types that fit your situation, whether that's FHA, VA, or conventional financing. Compare rates and fees from multiple lenders, but also consider their responsiveness and knowledge of local down payment assistance programs. In Dixon's competitive balanced market, having a lender who can close on time and communicate well with local real estate agents can make the difference in getting your offer accepted.
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