Mortgage broker serving Elk Grove, 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 Elk Grove buyers, we match your unique situation to the right program.
Elk Grove's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Elk Grove 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 Elk Grove home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Elk Grove starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Elk Grove 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 Elk Grove 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 Elk Grove 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 Elk Grove buyers. Most homes under $833K with competitive rates.
Strong FHA option in Elk Grove. Low down payment gets you into most properties here.
$0 down for Elk Grove veterans. VA loans cover all properties with no PMI required.
Elk Grove business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Elk Grove. State assistance helps with down payment and closing costs.
Premium Elk Grove homes over $833K require jumbo loans. Less common but available for luxury properties.
Elk Grove sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Elk Grove investors. Buy rentals in entity names.
Conforming refinance for Elk Grove homeowners. Best rates for loans under $833K.
FHA streamline refinance for Elk Grove. Easiest way to lower your existing FHA rate.
VA streamline refi for Elk Grove veterans. Fastest way to reduce your mortgage payment.
Turn Elk Grove home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Elk Grove homeowners. Access equity without replacing first mortgage.
Elk Grove owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Elk Grove investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Elk Grove projects. Short-term financing for value-add investments.
Multifamily options for Elk Grove investors. Finance apartment buildings with commercial loans.
Elk Grove 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 Elk Grove buyers with qualifying income.
CalHFA programs popular in Elk Grove. State assistance helps with down payment and closing costs.
Elk Grove has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Elk Grove buyers. Down payment assistance with no repayment.
Elk Grove family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Elk Grove 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
Elk Grove sits just south of Sacramento with 176,105 people and a median household income of $115,864. That income number matters because at a $623K median home price, you're looking at needing roughly $125K annual household income to comfortably qualify for a conventional loan here. The 73.8% homeownership rate tells you this is a buying market, not a renting market. Families put down roots here, which keeps neighborhoods stable and property values steady.
The school ratings here are legitimately strong and that directly impacts what you'll pay for a house. Pleasant Grove Elementary pulls a 9, Franklin Elementary an 8, Cosumnes Oaks High an 8, Elk Grove High a 7. When you're comparing two similar homes and one feeds into Pleasant Grove versus a lower-rated school, expect to pay $30K-$50K more for that school boundary. Parents refinance to stay in these boundaries all the time rather than move. The Elk Grove Unified School District is also the city's largest employer, which means steady public sector jobs supporting the local housing market.
Where you buy in Elk Grove changes your loan strategy pretty significantly. Laguna West runs $580K-$750K with that master-planned lifestyle around lakes and golf, conventional loans with 10-15% down work well for move-up buyers here. Sheldon Estates is the value play at $550K-$680K, mature trees and bigger lots, often attracts first-time buyers stretching into conventional territory or using physician loans if they qualify. Emerald Lakes hits $650K-$850K, you're looking at jumbo loan territory on the higher end, and the HOA fees run higher but they actually maintain values when the market softens. Stonelake sits $590K-$720K, tree-lined and family-packed, conventional loans dominate here and appraisals come in clean because of consistent sales comps.
The 19-minute commute to Sacramento is the whole reason Elk Grove has exploded over the past two decades. You get suburban space and good schools without sacrificing your daily sanity on a commute. Roseville's about 33 minutes if you're working in tech up there. Local transit exists but real talk, most people drive because parking is easy and gas pencils out better than transit passes for families. That reasonable commute time means you're not just buying a house, you're buying back hours of your life compared to living farther out in Placer or San Joaquin counties.
Apple's got a major presence here and that matters for your loan application because tech salaries qualify easily for these price points. Intel and Kaiser Permanente add more white-collar stability. The Elk Grove Unified School District employs thousands, giving the area that public sector backbone that keeps the market steady even when tech wobbles. Costco and Thunder Valley Casino round out the mix with retail and hospitality jobs. Here's the thing: the employer diversity means you're not in a one-industry town where a single company's layoffs tank property values across the board.
Common questions from Elk Grove 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 Elk Grove 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 Elk Grove: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Elk Grove buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Elk Grove 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 Elk Grove 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 Elk Grove families purchase with minimal upfront cash.
2026 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Elk Grove properties fall within conforming limits, maximizing your financing options.
For Elk Grove'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 Elk Grove. 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 Elk Grove. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Elk Grove. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Elk Grove 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 Elk Grove: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Elk Grove buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Elk Grove. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Elk Grove 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 Elk Grove 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 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Elk Grove properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Elk Grove 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 Elk Grove 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 Elk Grove families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Elk Grove. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Elk Grove. 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 Elk Grove'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 Elk Grove is $765,000 for 2026. This covers most homes in the area since the median price is around $623,000, making FHA loans a popular choice for first. time buyers who want lower down payment options.
Most Elk Grove buyers don't need a jumbo loan since the conforming limit is $833,000 and the median home price is $623,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of the local market.
For 2026, Sacramento County loan limits are $765,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits apply to all cities in the county, including Elk Grove, and cover the vast majority of home purchases in the area.
Yes, VA loans are very competitive in Elk Grove with a loan limit of $833,000, which covers nearly all homes in the market. Veterans and active military can benefit from $0 down payment and no mortgage insurance, making VA loans one of the best options available for eligible buyers.
Our No Money Down program offers $0 down payment for qualified buyers in Elk Grove. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus Sacramento County housing programs designed for first. time and moderate. income buyers in the area.
Down payments in Elk Grove typically range from 0% to 5% for most buyers. VA loans and USDA loans offer $0 down, FHA requires 3.5% down (about $22,000 on a $623,000 home), and conventional loans can go as low as 3% for first. time buyers.
Most Elk Grove buyers can qualify with a credit score of 620 or higher for conventional loans, while FHA loans accept scores as low as 580. If you have a score above 640, you'll have access to more loan options and better interest rates in this competitive market.
Look for a lender with strong experience in the Elk Grove and Sacramento County market who can explain your options across FHA, VA, and conventional loans. Compare rates and fees from multiple lenders, but also consider responsiveness and their ability to close on time, which matters in this balanced market where you'll face some competition.
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