Mortgage broker serving Firebaugh, 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 Firebaugh buyers, we match your unique situation to the right program.
First-time buyers in Firebaugh need the right loan programs to maximize their purchasing power.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Firebaugh 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 Firebaugh home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Firebaugh starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Firebaugh 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 Firebaugh 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 Firebaugh 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 dominates Firebaugh purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Firebaugh. State programs reduce out-of-pocket costs significantly.
Veterans buy Firebaugh homes with $0 down. Full VA benefits cover all properties here.
Many Firebaugh properties qualify for USDA zero-down loans. Rural designation required.
All Firebaugh properties qualify for conforming loans. 3% down minimum for first-time buyers.
Firebaugh local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Firebaugh homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Firebaugh. Investors can purchase in entity names.
FHA streamline dominates Firebaugh refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Firebaugh veterans. No paperwork hassles, quick closing.
Many Firebaugh homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Firebaugh refinance qualifies for conforming rates. Best terms for rate reduction.
Firebaugh owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Firebaugh. Predictable payments for major expenses.
DSCR financing for Firebaugh investors. Buy rentals based on property income potential.
Fix-and-flip financing for Firebaugh investors. Buy distressed properties, renovate, sell.
Commercial hard money in Firebaugh. Quick funding when timing is critical.
Multifamily loans available for Firebaugh apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Firebaugh buyers with qualifying income.
CalHFA is a strong option for Firebaugh. State programs reduce out-of-pocket costs significantly.
Firebaugh local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Firebaugh down payment help. Free money for qualified buyers.
Many Firebaugh properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Firebaugh benefit from gift of equity. No cash down payment needed.
Firebaugh first-time buyers often use co-borrowers. Family help for 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
Firebaugh sits in the heart of the Central Valley about 47 minutes west of Fresno. Population is 8,139, median household income $36,078. The homeownership rate here is 48.2%, which tells you this is primarily a working-class agricultural community where renting is still common. At $387,500 median home price, you're looking at one of the more affordable entry points in Fresno County, but here's the reality: on that median income, most buyers will need FHA or USDA loans to make the numbers work, and you'll probably need dual incomes or a down payment assist program to qualify.
Firebaugh High School serves the community, and the district is Firebaugh-Las Deltas Unified. The truth is, school ratings here aren't going to compete with suburban Fresno, but that's already reflected in the home prices. If you're buying here, you're likely part of the local agricultural economy or have family ties to the area. The lower prices mean your mortgage payment stays manageable even if you're stretching to qualify. Families who buy here tend to be multigenerational or connected to farming operations, which creates a tight-knit community feel that matters when you're putting down roots.
Downtown Firebaugh runs around $388K and represents most of the available housing stock in this small city. You're looking at older homes, many from the mid-century era, with straightforward layouts and functional yards. FHA loans are common here because they allow 3.5% down and more flexible credit requirements, which fits the local income levels. USDA loans can work too since Firebaugh qualifies as a rural area, offering zero down for eligible buyers. The housing market isn't flashy, but it's stable. You won't see wild appreciation like coastal California, but you also won't see the same volatility when the market shifts.
Fresno is 47 minutes east via State Route 33 and 180, which is your connection to bigger job markets, shopping, and services. Stockton runs about 103 minutes north, Bakersfield 144 minutes south. Most people who live here work locally in agriculture or for the school district and city government. If you're commuting to Fresno daily, that's doable but it adds up over time. Local transit exists but this is a car-dependent community. The isolation is part of why prices stay low compared to Fresno proper, where that same $387K might get you a much smaller or older property in a less desirable area.
The Firebaugh-Las Deltas Unified School District is the largest employer, followed by agricultural operations and the City of Firebaugh itself. This is farming country, so seasonal work and ag-related jobs dominate the local economy. That income variability can complicate mortgage qualifying if you're paid seasonally or as a contractor. Lenders will want to see two years of tax returns to average your income, which can be tough for farm workers. If you've got stable year-round employment with the district or city, you'll have an easier time with conventional financing. The job market here isn't growing rapidly, but it's consistent, which matters when you're committing to a 30-year mortgage.
Common questions from Firebaugh 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 Firebaugh 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 Firebaugh: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Firebaugh buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Firebaugh 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 Firebaugh 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 Firebaugh families purchase with minimal upfront cash.
2026 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Firebaugh properties fall within conforming limits, maximizing your financing options.
For Firebaugh'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 Firebaugh. 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 Firebaugh. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Firebaugh. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Firebaugh 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 Firebaugh: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Firebaugh buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Firebaugh. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Firebaugh 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 Firebaugh 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 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Firebaugh properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Firebaugh 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 Firebaugh 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 Firebaugh families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Firebaugh. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Firebaugh. 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 Firebaugh'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 Firebaugh is $541,000 for 2025. This is well above the median home price of $388,000, so FHA loans work great for nearly all homes in the area. Most first. time buyers in Firebaugh use FHA financing since it only requires 3.5% down and accepts lower credit scores.
You won't need a jumbo loan in Firebaugh. With homes typically priced between $300K and $450K and conforming loan limits at $833,000, standard conventional and FHA loans cover all local properties. Jumbo loans are only necessary when you exceed $833,000, which is rare in this market.
For 2025, Fresno County loan limits are $541,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are updated annually each November, and 2026 limits will be announced in late 2025. The current limits comfortably cover Firebaugh's housing market where most homes sell under $450K.
Yes, VA loans are available in Firebaugh with a loan limit of $833,000, which covers all local homes. If you're a qualifying veteran or active military, VA loans offer 0% down with no PMI, making them one of the best options available. This is especially valuable in Firebaugh where the median income is $36,078 and saving for a down payment can be challenging.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Firebaugh. CalHFA programs provide down payment and closing cost assistance for first. time buyers, and some areas of Firebaugh may qualify for USDA loans with zero down. With the median income at $36,078, these programs are game. changers for local buyers who can't save large down payments.
You can buy a Firebaugh home with as little as 0% down using VA, USDA, or our No Money Down program. FHA loans require just 3.5% down (about $13,500 on a $388,000 home), while conventional loans typically need 3. 5% down. Given Firebaugh's median income of $36,078, most buyers use FHA or down payment assistance to minimize upfront costs.
You can qualify for an FHA loan in Firebaugh with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require a 620 minimum, while VA loans are more flexible. Since most Firebaugh buyers are first. time purchasers using FHA financing, scores in the 580. 680 range are common and workable.
Choose a lender experienced with Firebaugh's entry. level market who understands FHA loans and down payment assistance programs that are critical here. Look for someone who can explain CalHFA, USDA, and local DPA options since most buyers in this area need help with down payments. You'll want a lender who responds quickly and can work with first. time buyers earning around the median income of $36,078.
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