Mortgage broker serving Dublin, 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 Dublin buyers, we match your unique situation to the right program.
Dublin's $1.25M median home price demands specialized financing expertise that most banks simply can't provide.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Dublin 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 Dublin home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Dublin starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Dublin 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 Dublin 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 Dublin homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| 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 Dublin home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Dublin prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Dublin.
Self-employed? Dublin bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Dublin properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Dublin buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Dublin buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Dublin moves. Purchase before your current home sells.
Entity financing for Dublin investors. Purchase in LLC for asset protection.
Dublin loans under $1.25M get conforming refinance rates. Best rates available.
Access Dublin home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Dublin homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Dublin veterans. Lower your rate without appraisal or income docs.
Dublin home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Dublin homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Dublin can use DSCR financing. Rental income qualifies the loan.
Dublin rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Dublin apartment buildings. Commercial rates for larger properties.
Hard money financing for Dublin commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Dublin buyers with qualifying income.
CalHFA programs can help Dublin first-time buyers. Check income limits for eligibility.
Dublin family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Dublin. Family member income helps qualification.
Check Dublin city programs for additional DPA. May stack with CalHFA for more help.
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
Dublin sits in the Tri-Valley, right where I-580 and I-680 meet, about 35 miles east of San Francisco. Population is 72,589, median household income $176,000. The homeownership rate here is 68.4%, and at $1.25M median home price, you're looking at one of the Bay Area's more accessible entry points for six-figure earners who want suburban space without leaving the region entirely. A household pulling $175K can realistically qualify for a $900K-$1.1M property with 20% down, which gets you in the door here if you're strategic about neighborhoods.
The schools are a huge part of why people stretch their budgets to buy here. Dublin High, Valley High, and Emerald High all pull strong ratings, and the district's reputation means your property value has built-in protection. When you're putting down $250K and taking a $1M mortgage, you need confidence that families will want to buy your place in 7-10 years. The school quality here delivers that. Parents relocating from San Francisco or the peninsula often land in Dublin specifically because they can get a 4-bedroom with a yard and top-rated schools for what a 2-bedroom condo costs in Palo Alto. That demand keeps resale values stable even when the broader market softens.
Where you buy in Dublin directly affects your loan structure and monthly payment. Dublin Ranch runs $1.2M-$2M+, hillside master-planned community with newer builds and premium everything. You'll need jumbo financing here, and most buyers are dual-income tech or corporate professionals putting 20-30% down. West Dublin sits $900K-$1.3M, older neighborhoods near BART where you can sometimes find properties under the conforming loan limit if you catch the right listing. East Dublin goes $1M-$1.6M, newer construction near Emerald Glen, popular with families trading up from starter homes in Livermore or Pleasanton. Downtown Dublin is your entry point at $700K-$1.1M, mostly condos and townhomes near Dublin Town Center. Conventional loans work fine here, and FHA is possible on the lower end if you're a first-timer willing to compete. The condo HOAs run $300-$500 monthly, so factor that into your debt-to-income when you're calculating what you can afford.
The commute situation is why Dublin commands these prices despite being 35 miles from SF. You've got BART at Dublin/Pleasanton Station, which puts you in downtown San Francisco in about an hour, Oakland in 35 minutes. I-580 runs straight to the Altamont Pass if you're heading to the Central Valley, and I-680 connects you south to San Jose in 38 minutes or north to Walnut Creek. Real talk, the commute flexibility here means you can work in San Francisco, Oakland, San Jose, or Palo Alto without completely destroying your quality of life. That's rare in the Bay Area. If you're remote or hybrid, you get suburban space and good schools while staying close enough to the office for your 2-3 days a week. The ACE Train also runs through if you're commuting to Silicon Valley, which saves some buyers on gas and stress.
Dublin's employment base gives it more stability than a pure bedroom community. SAP America's campus is here, Ross Stores runs their headquarters locally, Kaiser Permanente has a significant presence. Synnex Corporation and Patelco Credit Union add corporate jobs, and Dublin Unified School District employs a solid chunk of residents. The mix of tech, retail corporate, healthcare, and public sector means the local economy isn't overly dependent on one industry. When you're taking a $1M+ mortgage, you want to know the area won't crater if one company leaves or one sector contracts. Dublin's job diversity matters for long-term property value protection. And honestly, having major employers in town means some buyers can live and work here without the commute, which makes them more likely to stay and less likely to panic-sell if gas prices spike or BART has issues.
Common questions from Dublin 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 Dublin 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 Dublin: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Dublin buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Dublin 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 Dublin 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 Dublin families purchase with minimal upfront cash.
2026 Alameda County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Dublin properties fall within conforming limits, maximizing your financing options.
For Dublin'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 Dublin. 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 Dublin. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Alameda County, and structure your purchase to minimize upfront costs.
You still have options in Dublin. 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 Alameda County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Dublin 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 Dublin: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Dublin buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Dublin. 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 Alameda County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Dublin 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 Dublin 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 Alameda County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Dublin properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Dublin 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 Dublin 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 Dublin families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Dublin. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Alameda County, and structure your purchase to minimize upfront costs.
You still have options in Dublin. 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 Dublin'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 2026 FHA loan limit for Dublin (Alameda County) is $1.25M for a single-family home. This is a high-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
It depends on the property. Dublin's median home price is $1.25M, while the conforming loan limit is $1.25M. Properties above the limit require jumbo financing, while those under it can use conventional, FHA, or VA loans.
The 2026 Alameda County loan limits are: FHA: $1.25M, VA: $1.25M, Conventional: $1.25M. Any loan amount above $1.25M is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Dublin with $0 down payment. The 2026 VA loan limit for Alameda County is $1.25M. For properties above this amount, you can still use a VA loan but will need a down payment on the amount exceeding the limit.
We provide same-day pre-approvals for most loan programs. Full loan approval and closing typically takes 21-30 days for conventional and jumbo loans, and 30-45 days for FHA and VA loans.
Down payment requirements vary by loan type: Conventional: 5-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For Dublin's median price of $1.25M, most buyers put down 15-20%.
Minimum credit scores vary by loan type: FHA: 580, Conventional: 620, VA: typically 620, Jumbo: 680-700+. Higher credit scores qualify for better interest rates.
Look for a lender with California experience, strong communication, competitive rates, and the ability to close on time. We've been serving California homebuyers for 40+ years with senior loan officers who specialize in complex scenarios.
Fill out the form below and we'll reach out to discuss your Dublin mortgage options.
We respond within 24 hours
