Mortgage broker serving El Segundo, 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 El Segundo buyers, we match your unique situation to the right program.
El Segundo's market straddles the $1.25M limit, requiring strategic loan structuring.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your El Segundo 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 Segundo home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in El Segundo starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for El Segundo 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 Segundo 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 El Segundo 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 El Segundo home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
El Segundo 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 El Segundo.
Self-employed? El Segundo bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all El Segundo properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for El Segundo buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time El Segundo buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for El Segundo moves. Purchase before your current home sells.
Entity financing for El Segundo investors. Purchase in LLC for asset protection.
El Segundo loans under $1.25M get conforming refinance rates. Best rates available.
Access El Segundo home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for El Segundo homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for El Segundo veterans. Lower your rate without appraisal or income docs.
El Segundo home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for El Segundo homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in El Segundo can use DSCR financing. Rental income qualifies the loan.
El Segundo rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for El Segundo apartment buildings. Commercial rates for larger properties.
Hard money financing for El Segundo 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 El Segundo buyers with qualifying income.
CalHFA programs can help El Segundo first-time buyers. Check income limits for eligibility.
El Segundo family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in El Segundo. Family member income helps qualification.
Check El Segundo 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
El Segundo sits right on the coast between Manhattan Beach and LAX, population 17,081. Median household income is $142,596, and the median home price is $1.42M. The homeownership rate is 42.2%, which tells you this is a town of renters and high earners who can actually afford to buy. Here's the thing: you're paying a premium to live where aerospace money meets beach access, with schools that consistently score 8s and 9s. If you're earning six figures and want to stay close to LAX or the South Bay tech corridor, this is one of the few places where that mortgage payment buys you both career proximity and quality of life.
The school ratings here are legitimately strong. Center Street Elementary and Richmond Street Elementary both pull 8s, El Segundo Middle School gets a 9, and El Segundo High School also scores a 9. That's rare for LA County, and it's a big reason families stretch their budgets to buy here instead of renting in neighboring beach cities. When you're looking at a $1.4M mortgage, you want to know your kids are in solid schools and that resale value won't tank when you need to sell in seven or ten years. The district is small and stable, which means parents actually know the principals and teachers. That community feel matters when you're dropping this kind of money on a home.
Where you buy in El Segundo really depends on your budget and what kind of loan you're working with. The Village runs $1.2M to $1.6M for those charming 1920s-1940s homes with tree-lined streets and walkability to downtown. You'll need a jumbo loan here, and most buyers are families or professionals who want that small-town vibe without leaving the South Bay. Smoky Hollow sits at $900K to $1.4M, mostly modern condos and mixed-use spots that attract young professionals working in tech. Still jumbo territory, but the lower end might squeeze into conforming loan limits depending on the year. West El Segundo is the family zone, $1.3M to $1.8M for single-family homes with original details and quiet streets. Buyers here are typically dual-income households in aerospace or tech who need the proximity to work. East El Segundo is your entry point at $800K to $1.2M, with condos, townhomes, and smaller single-family places. This is where first-time buyers with solid incomes can actually get in, sometimes with conforming loans if you catch the right property.
The commute situation here is honestly one of the best in LA County. You're 30 minutes to downtown LA, 24 minutes to Santa Monica, 28 minutes to Long Beach, and 49 minutes to Irvine on a decent traffic day. That's the whole reason El Segundo commands these prices. You can work at LAX and walk to your job, or hit the 405 and reach most South Bay or Westside employers in under 40 minutes. The Metro Green Line runs through town, which adds value for buyers who want transit options. Real talk: if you're financing a $1.4M home, you're probably factoring in that your commute won't eat three hours of your day like it would from the Inland Empire or High Desert.
The employer mix here is what keeps property values stable even when the broader market wobbles. Los Angeles Air Force Base and The Aerospace Corporation anchor the defense and aerospace sector, which means steady high-paying jobs with security clearances. Mattel, Beyond Meat, Chevron, and Boeing all have significant operations here, creating a diverse base of professional positions. When you're underwriting a jumbo loan in this price range, lenders want to see job stability and income growth potential. El Segundo delivers both. The concentration of aerospace and tech companies means if you lose one job, there's usually another within a ten-minute drive. That employment density is part of what justifies the price tag and makes banks comfortable lending here.
Common questions from El Segundo 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 Segundo 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 El Segundo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many El Segundo buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified El Segundo 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 El Segundo 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 El Segundo families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most El Segundo properties fall within conforming limits, maximizing your financing options.
For El Segundo'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 El Segundo. 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 El Segundo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in El Segundo. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in El Segundo 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 El Segundo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many El Segundo buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in El Segundo. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in El Segundo 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 El Segundo 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most El Segundo properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified El Segundo 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 El Segundo 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 El Segundo families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in El Segundo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in El Segundo. 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 El Segundo'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 El Segundo is $1,250,000 for 2025. This high. balance limit covers many homes in the area, though with median prices around $1.4M, you may need to consider jumbo financing or make a larger down payment for properties above this threshold.
You'll likely need a jumbo loan if you're buying above $1,250,000, which is common since El Segundo's median home price is $1.4M. Properties in the $1.25M to $2M range are typical here, so many buyers use either high. balance conforming loans up to the limit or jumbo loans for anything above.
For 2025, Los Angeles County's conforming loan limit is $1,250,000 for single. family homes, matching the FHA and VA limits. These limits typically adjust annually based on home price trends, so 2026 limits will be announced by the Federal Housing Finance Agency in late 2025.
Yes, the VA loan limit in El Segundo is $1,250,000 with no down payment required for eligible veterans and service members. For homes priced above this limit, you can still use a VA loan but you'll need to make a down payment of 25% on the amount exceeding $1,250,000.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible even in this premium market. CalHFA programs and Los Angeles County down payment assistance may also be available for lower. priced properties in El Segundo, though the $1.4M median price means fewer homes will qualify for traditional DPA income limits.
Most conventional buyers in El Segundo put down 10% to 20%, which means $140,000 to $280,000 on a median. priced $1.4M home. FHA loans require just 3.5% down ($49,000 on a $1.4M home), while VA. eligible buyers can purchase up to $1,250,000 with $0 down.
You'll typically need a minimum credit score of 620 for conventional loans, though 680+ is preferred for better rates on higher loan amounts common in El Segundo. FHA loans accept scores as low as 580 with 3.5% down, while jumbo loans for properties above $1.25M usually require 700 or higher.
Look for a lender experienced with El Segundo's premium market and high. balance loans, since navigating the $1.25M conforming limit versus jumbo financing requires expertise. Compare rates, closing costs, and responsiveness, and choose someone who understands the needs of dual. income professionals making competitive offers in this fast. moving coastal market.
Fill out the form below and we'll reach out to discuss your El Segundo mortgage options.
We respond within 24 hours
