Mortgage broker serving Fairfield, 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 Fairfield buyers, we match your unique situation to the right program.
Fairfield buyers compete in a market where strong financing and quick pre-approval win offers.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Fairfield 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 Fairfield home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Fairfield starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Fairfield 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 Fairfield 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 Fairfield 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 |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA is the go-to for Fairfield buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Fairfield. VA loans are the best deal for eligible veterans.
Nearly all Fairfield homes qualify for conforming loans. Best rates available for qualified buyers.
Fairfield buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Fairfield buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Fairfield areas. Check rural designation by address.
Bridge loans available for Fairfield transitions. Finance new purchase before selling.
Entity purchase programs for Fairfield. LLC financing for investment properties.
Fairfield FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Fairfield refinances qualify as conforming. Competitive rates with quick approval.
Fairfield veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Fairfield homeowners with equity. Access funds for any purpose.
Fairfield owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Fairfield homeowners. Lump sum with fixed monthly payments.
Fairfield rental properties qualify with DSCR. No personal income verification needed.
Fairfield renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Fairfield commercial. Fast financing for competitive markets.
Apartment financing in Fairfield. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Fairfield buyers with qualifying income.
Fairfield buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Fairfield. City programs plus CalHFA can cover most down payment.
Grant programs for Fairfield first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Fairfield areas. Check rural designation by address.
Gift of equity for Fairfield family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Fairfield buyers qualify. Add parent income to yours.
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
Fairfield sits right in the middle of Solano County, about 45 miles northeast of [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca). Population is 119,420, median household income $98,857. The homeownership rate here is 60.3%, which tells you something important: at $590K median home price, this is one of the last realistic entry points into the greater Bay Area for households pulling down six figures. You're looking at about half what you'd pay in Walnut Creek or San Ramon, and you can still get to SF or Oakland for work.
The school situation here is mixed, which matters when you're thinking about long-term value and resale potential. Fairfield-Suisun Unified runs the show, and you've got options like Cordelia Hills Elementary, Scandia Elementary, and K.I. Jones Elementary serving different neighborhoods. The Public Safety Academy is a specialized program that draws families specifically for that pathway. Schools aren't pulling 9s and 10s across the board, but here's the thing: families buying at $590K aren't cross-shopping Palo Alto. They're looking for a place where their income qualifies them for a conventional loan on a real house with a yard, and the schools are good enough to make it work for the next decade.
Where you buy in Fairfield doesn't shift the price much since everything clusters around that $590K median, but the character changes. Downtown Fairfield is the historic core with older homes and walkable civic areas, good for buyers who want conventional loans on established properties with some character. Green Valley is your standard residential zone with family-oriented subdivisions, mostly conventional financing on single-family homes built in the last few decades. Cordelia down south near the I-80 and I-680 junction is popular with commuters heading to the East Bay or Peninsula. The price consistency across neighborhoods means you're choosing lifestyle over budget, and most buyers here qualify for conventional loans with 5-10% down if they're earning close to that $99K median income.
Your commute is the whole ballgame here. [Oakland](/mortgage-loans-and-refinance-in-oakland-ca) runs about 45 minutes, San Francisco 55 minutes, and if you're heading to Silicon Valley you're looking at 79 minutes to San Jose or 82 to Palo Alto. That drive is exactly why Fairfield stays at $590K while similar Bay Area suburbs hit $900K or more. I-80 and I-680 are your main arteries, and the Fairfield Transportation Center gives you some public transit options if you want to skip the drive a few days a week. Real talk: if you work remotely three days and commute two, or if your job is local, this pricing makes sense. If you're doing the full five-day slog to SF, you're paying for that house with your time.
Travis Air Force Base is the anchor here, employing thousands and bringing steady military and civilian jobs that don't disappear in a recession. NorthBay Medical Center adds healthcare stability, and the Fairfield-Suisun Unified School District is a major public sector employer. Solano County government offices are based here, which means steady administrative and public service jobs. And look, Jelly Belly's factory and distribution operation is here too, which is quirky but it's real employment. The job mix means you've got buyers using VA loans from Travis, conventional loans from healthcare and government workers, and the occasional FHA loan for first-timers in the school district or medical field working their way up.
Common questions from Fairfield 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 Fairfield 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 Fairfield: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fairfield buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Fairfield 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 Fairfield 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 Fairfield families purchase with minimal upfront cash.
2026 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Fairfield properties fall within conforming limits, maximizing your financing options.
For Fairfield'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 Fairfield. 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 Fairfield. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Fairfield. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fairfield 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 Fairfield: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fairfield buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Fairfield. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fairfield 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 Fairfield 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 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Fairfield properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Fairfield 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 Fairfield 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 Fairfield families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Fairfield. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Fairfield. 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 Fairfield'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 Fairfield is $725,000 for 2025. This covers virtually all homes in Fairfield, where most properties are priced between $450K and $600K. FHA loans are extremely popular here for first. time buyers because they allow down payments as low as 3.5% with credit scores starting at 580.
You won't need a jumbo loan in Fairfield unless you're buying above $833,000, which is rare in this market. With a median home price of $590K, most buyers use FHA loans (up to $725K) or conventional loans (up to $833K). The conforming loan limits easily cover the typical Fairfield home.
For 2025, Solano County's loan limits are $725,000 for FHA, $833,000 for VA, and $833,000 for conforming conventional loans. These limits are updated annually and typically announced in November for the following year. The current limits comfortably cover Fairfield's median home price of $590K and most properties in the area.
Yes, VA loans are an excellent option in Fairfield with a loan limit of $833,000 and no down payment required for eligible veterans and service members. Travis Air Force Base's proximity makes VA loans particularly popular here. You'll enjoy no PMI, competitive rates, and the ability to finance 100% of most Fairfield homes.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. Fairfield buyers also have strong eligibility for CalHFA programs offering up to 3.5% assistance, Solano County housing programs, and you can often stack multiple programs together. With the median home at $590K, these programs can provide $15,000 to $20,000+ in down payment help.
You can buy a Fairfield home with as little as 3.5% down using an FHA loan, which means around $20,000 to $27,000 on most homes here. Conventional 97 loans also offer 3% down options, and VA loans require $0 down for eligible buyers. With down payment assistance programs, many first. time buyers in Fairfield purchase with little to no money out of pocket.
You can qualify for an FHA loan in Fairfield with a credit score as low as 580, and sometimes even lower with compensating factors. Conventional loans typically require 620 or higher, while VA loans are often approved with scores around 600. Since Fairfield attracts many first. time buyers and credit rebuilders, lenders here regularly work with scores in the 580. 680 range.
Choose a lender experienced with Fairfield's affordable market who understands FHA loans, down payment assistance, and working with first. time buyers. Look for someone who can explain how to stack DPA programs and has relationships with local real estate agents. You'll want a lender who responds quickly, offers competitive rates, and can close on time in Fairfield's active market where homes under $600K move fast.
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