Licensed California mortgage broker with loan programs specialized to your unique situation. Purchase loans, refinancing, FHA, VA, jumbo, commercial, construction, down payment assistance, and more across every El Dorado community.
Schedule a quick 15-minute call and we'll match you to the right program for your El Dorado County purchase.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving El Dorado County buyers across 2 cities, we match your unique situation to the right program.
El Dorado County offers strong value in California's housing market.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your El Dorado County 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 El Dorado County home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in El Dorado County starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for El Dorado County 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 El Dorado County 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.
| Loan Type | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Conventional | $832,750 $833K | $1,032,320 $1.03M | $1,247,656 $1.25M | $1,550,900 $1.55M |
| FHA | $832,750 $833K | $1,032,320 $1.03M | $1,247,656 $1.25M | $1,550,900 $1.55M |
Limits effective January 1, 2026. VA loans have no county limit for qualified veterans.
Calculate your monthly payment, affordability, and closing costs with El Dorado County-specific property tax rates and loan limits. Get accurate estimates before you start shopping.
Common questions from El Dorado County 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 El Dorado County 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.
Down payments in El Dorado County vary by loan type: Conventional (3-5% minimum), FHA (3.5%), VA (0% for veterans). With $625K median pricing, most buyers put 5-20% down depending on whether they're avoiding PMI or maximizing cash reserves.
PMI (Private Mortgage Insurance) is required on conventional loans with less than 20% down, costing 0.5-1% of your loan annually. Ways to avoid: put 20% down, use an 80-10-10 piggyback loan, or choose lender-paid PMI. PMI automatically drops once you reach 20% equity.
2026 El Dorado County limits: FHA $832,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most El Dorado County properties fall within conforming limits, maximizing your financing options.
With El Dorado County's $625K median price and $832,750 El Dorado County limit, many properties fall right at the threshold. Homes under $832,750 use conforming loans (better rates, easier qualification). Above that requires jumbo financing. We analyze your target price range to recommend the best approach.
A denial doesn't mean you can't buy in El Dorado County. 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.
Yes. We offer multiple documentation paths for self-employed El Dorado County borrowers: bank statement loans (12-24 months deposits), P&L-only programs, and traditional tax return qualification. Our loan officers specialize in complex income situations.
Yes, first-time buyers represent about 35% of our El Dorado County transactions. We help you navigate loan options, explain the differences between FHA, conventional, and VA programs, and identify down payment assistance available in El Dorado County.
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 El Dorado County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in El Dorado County typically run 2-4% of the purchase price. On a $625K 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.
Rate buydowns (paying points upfront for a lower rate) make sense if you'll keep the loan 5+ years. Each point (1% of loan amount) typically reduces your rate by 0.25%. We calculate your break-even point and whether buying down makes financial sense for your El Dorado County purchase.
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.
Down payments in El Dorado County vary by loan type: Conventional (3-5% minimum), FHA (3.5%), VA (0% for veterans). With $625K median pricing, most buyers put 5-20% down depending on whether they're avoiding PMI or maximizing cash reserves.
A denial doesn't mean you can't buy in El Dorado County. 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 El Dorado County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in El Dorado County typically run 2-4% of the purchase price. On a $625K 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 El Dorado County 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 El Dorado County limits: FHA $832,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most El Dorado County properties fall within conforming limits, maximizing your financing options.
With El Dorado County's $625K median price and $832,750 El Dorado County limit, many properties fall right at the threshold. Homes under $832,750 use conforming loans (better rates, easier qualification). Above that requires jumbo financing. We analyze your target price range to recommend the best approach.
Yes. We offer multiple documentation paths for self-employed El Dorado County borrowers: bank statement loans (12-24 months deposits), P&L-only programs, and traditional tax return qualification. Our loan officers specialize in complex income situations.
Yes, first-time buyers represent about 35% of our El Dorado County transactions. We help you navigate loan options, explain the differences between FHA, conventional, and VA programs, and identify down payment assistance available in El Dorado County.
PMI (Private Mortgage Insurance) is required on conventional loans with less than 20% down, costing 0.5-1% of your loan annually. Ways to avoid: put 20% down, use an 80-10-10 piggyback loan, or choose lender-paid PMI. PMI automatically drops once you reach 20% equity.
Rate buydowns (paying points upfront for a lower rate) make sense if you'll keep the loan 5+ years. Each point (1% of loan amount) typically reduces your rate by 0.25%. We calculate your break-even point and whether buying down makes financial sense for your El Dorado County purchase.
El Dorado County is designated as a standard area. Conventional conforming loan limits are $807K for single-family homes, $1M for 2-unit properties, $1.2M for 3-unit properties, and $1.6M for 4-unit properties. FHA limits match these amounts.
We serve all cities and communities throughout El Dorado County, California.
Most properties in El Dorado County fall under the $807K conforming limit, allowing you to use conventional financing with better rates.
Several programs are available including CalHFA down payment assistance, local first-time buyer programs, and various grant programs. We'll help you identify all programs you qualify for based on your income and location.
El Dorado County sits in the Sacramento metro, and you’ll find median home prices ranging from about $525K in Placerville up to $800K in El Dorado Hills. This isn’t a high-cost area for lending purposes, which means the conforming loan limit here’s $832,750, same as most of California. That’s good news if you’re putting less than 20% down, because you won’t get pushed into a jumbo loan until you’re looking at properties well above $800K. The county breaks into three distinct markets, and they don’t feel anything alike. El Dorado Hills and Cameron Park are polished Sacramento suburbs where you’re looking at $650K to $800K for that commuter lifestyle. Placerville and the surrounding Gold Rush towns start around $525K and attract buyers who want more land and don’t mind the drive. And then there’s South Lake Tahoe at $650K, where you’re paying for year-round resort access and a completely different pace of life. The local economy runs on tourism from Lake Tahoe and Gold Country, plus healthcare and agriculture, including some well-known wineries. That mix keeps the job market stable even when one sector slows down, which is why you don’t see the wild price swings that hit single-industry towns. If you’re getting a mortgage here, you’re buying into a market that’s held up through multiple economic cycles, largely because people keep visiting and the Sacramento commuters keep coming.
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