Mortgage broker serving Eastvale, 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 Eastvale buyers, we match your unique situation to the right program.
Eastvale buyers face financing complexity with many properties exceeding the $833K 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 Eastvale 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 Eastvale home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Eastvale starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Eastvale 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 Eastvale 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 Eastvale 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 Eastvale buyers. Most homes under $833K with competitive rates.
Strong FHA option in Eastvale. Low down payment gets you into most properties here.
$0 down for Eastvale veterans. VA loans cover all properties with no PMI required.
Eastvale business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Eastvale. State assistance helps with down payment and closing costs.
Premium Eastvale homes over $833K require jumbo loans. Less common but available for luxury properties.
Eastvale sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Eastvale investors. Buy rentals in entity names.
Conforming refinance for Eastvale homeowners. Best rates for loans under $833K.
FHA streamline refinance for Eastvale. Easiest way to lower your existing FHA rate.
VA streamline refi for Eastvale veterans. Fastest way to reduce your mortgage payment.
Turn Eastvale home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Eastvale homeowners. Access equity without replacing first mortgage.
Eastvale owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Eastvale investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Eastvale projects. Short-term financing for value-add investments.
Multifamily options for Eastvale investors. Finance apartment buildings with commercial loans.
Eastvale 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 Eastvale buyers with qualifying income.
CalHFA programs popular in Eastvale. State assistance helps with down payment and closing costs.
Eastvale has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Eastvale buyers. Down payment assistance with no repayment.
Eastvale family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Eastvale 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
Eastvale sits in western Riverside County, right where the Inland Empire meets Orange County. Population is 69,594, median household income $151,615. The homeownership rate here is 77.7%, one of the highest in Southern California. At $896K median home price, this is where upper-middle-class families land when they want newer construction, top-rated schools, and a real suburban lifestyle without paying coastal prices. You're looking at households pulling $150K+ to comfortably qualify for conventional financing here.
Here's the thing about Eastvale - the schools are a huge part of why people stretch their budget to buy here. Eleanor Roosevelt High School pulls a 9 rating, Eastvale Elementary also a 9, with Harada Elementary and Ronald Reagan Elementary both at 8. These aren't just good numbers, they're what drive property values and keep resale strong. When you're financing a $900K home, you want confidence that families will still be competing for your house in five or ten years. The school ratings are that confidence. Most buyers here are putting 10-20% down on conventional loans specifically because they want their kids in these schools and they're willing to pay the premium.
Where you buy in Eastvale determines whether you're at the lower end of conventional or pushing into jumbo territory. Vista del Verde runs $800K-$900K, tree-lined streets with traditional homes, and you'll see a lot of conventional loans with 15-20% down from families who've owned before. Montecito sits similar at $820K-$920K, mature neighborhood with mixed architecture, same buyer profile. Summerwind goes $850K-$950K, newer master-planned community with HOA amenities, attracts first-time buyers trading up from smaller Inland Empire cities using conventional financing. The Reserve is your premium play at $950K-$1.2M, gated with larger lots, and you're looking at jumbo loans or hefty down payments from buyers who've built serious equity elsewhere. The truth is, most of Eastvale requires household income north of $140K to qualify comfortably, and lenders know these neighborhoods hold value.
The commute to LA runs about 55 minutes if you time it right, mostly via SR-91 or I-15 depending on where you're headed. That's the trade you're making - you're not in Orange County paying $1.3M for the same house, but you are spending an hour each way if you work in LA or Orange County. Real talk, a lot of Eastvale buyers work in Corona, Riverside, or Ontario where the commute is 15-25 minutes. The city's positioned right at the county line, so you get access to both Riverside and San Bernardino job markets without living deep in the desert. If you're remote or hybrid, this setup makes even more sense because you're financing a newer home in a family-focused community without the coastal mortgage payment.
Corona-Norco Unified and Jurupa Unified school districts are major employers, which matters because public sector jobs mean stable income for mortgage qualification. Amazon's got fulfillment centers nearby, Walmart and FedEx run distribution operations, and Kaiser Permanente provides healthcare jobs. The employment base is split between education, logistics, healthcare, and retail management. Most people buying here aren't working in Eastvale itself - they're commuting to jobs in Ontario, Riverside, Corona, or even Orange County. The high household income reflects dual-income professional families, and that's exactly who lenders love to finance in this price range. You'll need solid W-2 income or very well-documented self-employment to qualify for these loan amounts.
Common questions from Eastvale 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 Eastvale 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 Eastvale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Eastvale buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Eastvale 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 Eastvale 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 Eastvale families purchase with minimal upfront cash.
2026 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Eastvale properties fall within conforming limits, maximizing your financing options.
For Eastvale'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 Eastvale. 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 Eastvale. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Eastvale. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Eastvale 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 Eastvale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Eastvale buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Eastvale. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Eastvale 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 Eastvale 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 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Eastvale properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Eastvale 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 Eastvale 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 Eastvale families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Eastvale. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Eastvale. 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 Eastvale'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 Eastvale is $690,000 for 2026. This covers many homes in the area, though with the median home price at $896,000, you'll find some properties exceed this limit. FHA loans are popular here for buyers who want lower down payment options with competitive rates.
You'll need a jumbo loan if you're buying above $833,000 in Eastvale, which applies to many homes since the median price is $896,000. However, plenty of properties in the $600K. $800K range qualify for conforming loans with better rates and terms. About half of Eastvale buyers can stay within conforming limits depending on the neighborhood and home size.
For 2026 in Riverside County, the conforming loan limit is $833,000, FHA is $690,000, and VA is $833,000. These limits apply to Eastvale and surrounding areas, giving you strong options for most homes in the middle price ranges. Anything above $833,000 requires a jumbo loan with different qualification requirements.
Yes, VA loans are very competitive in Eastvale with a loan limit of $833,000 and no down payment required for eligible veterans. Many homes here fall within the VA limit, making it an excellent option if you qualify. VA loans also don't require mortgage insurance, which saves you money compared to conventional loans with low down payments.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Eastvale. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus Riverside County offers local DPA options for first. time and repeat buyers. With the median income at $151,615, many Eastvale buyers qualify for these programs even in this middle. tier market.
Down payments in Eastvale typically range from 0% to 20% depending on your loan type and financial situation. FHA loans require just 3.5% down ($31,360 on a $896K home), while conventional loans can go as low as 3% for first. time buyers. VA loans and our No Money Down program offer $0 down options if you qualify, and putting 20% down ($179,200) eliminates mortgage insurance.
Most Eastvale buyers need a minimum credit score of 620 for conventional loans, though FHA loans accept scores as low as 580 with 3.5% down. To get the best rates on homes in the $600K. $900K range, you'll want a score of 700 or higher. VA loans are more flexible with credit, and many lenders can work with scores in the 580. 620 range depending on your overall financial profile.
Choose a lender experienced with Eastvale's balanced market who can offer multiple loan options including conforming, FHA, and VA products. Look for competitive rates, transparent fees, and someone who understands Riverside County programs and can close on time in this $600K. $900K price range. Get pre. approved before house hunting, compare at least three lenders, and read reviews from other Eastvale buyers to find the best fit.
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