Mortgage broker serving Fontana, 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 Fontana buyers, we match your unique situation to the right program.
Fontana 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 Fontana 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 Fontana home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Fontana starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Fontana 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 Fontana 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 Fontana 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 Fontana buyers. Most homes under $833K with competitive rates.
Strong FHA option in Fontana. Low down payment gets you into most properties here.
$0 down for Fontana veterans. VA loans cover all properties with no PMI required.
Fontana business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Fontana. State assistance helps with down payment and closing costs.
Premium Fontana homes over $833K require jumbo loans. Less common but available for luxury properties.
Fontana sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Fontana investors. Buy rentals in entity names.
Conforming refinance for Fontana homeowners. Best rates for loans under $833K.
FHA streamline refinance for Fontana. Easiest way to lower your existing FHA rate.
VA streamline refi for Fontana veterans. Fastest way to reduce your mortgage payment.
Turn Fontana home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Fontana homeowners. Access equity without replacing first mortgage.
Fontana owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Fontana investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Fontana projects. Short-term financing for value-add investments.
Multifamily options for Fontana investors. Finance apartment buildings with commercial loans.
Fontana 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 Fontana buyers with qualifying income.
CalHFA programs popular in Fontana. State assistance helps with down payment and closing costs.
Fontana has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Fontana buyers. Down payment assistance with no repayment.
Fontana family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Fontana 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
Fontana sits in the Inland Empire about 50 miles east of LA, right where San Bernardino County starts to spread out. Population is 209,279, median household income $93,230. The homeownership rate here is 66.6%, and at $620K median home price, you're looking at one of the last affordable entry points to Southern California homeownership if you're earning in that $90-100K range. It's not cheap, but compared to Orange County or West LA, a household pulling down six figures can actually qualify for a conventional loan on a single-family home here.
If you've got kids or you're planning to, the school ratings matter for both your daily life and your resale value down the line. Live Oak Elementary pulls an 8, which is solid for the area. A.B. Miller High and Sequoia Middle both score 7s, while Fontana High comes in at a 6. These aren't the 9s and 10s you'll find in Irvine, but they're respectable, and here's the thing: that 66.6% homeownership rate means most families around you are invested in the community long-term. When you're looking at a 30-year mortgage, you want neighbors who stick around and care about property values.
Where you buy in Fontana makes a real difference in what you'll pay and what loan product makes sense. South Fontana runs $550K-$650K, established neighborhoods with mature trees and well-kept homes, mix of single-family and some townhomes. This is where FHA and conventional loans with lower down payments work well for families stretching to buy. North Fontana goes $580K-$700K, newer builds closer to major employers and shopping, attracts dual-income households who can handle conventional financing. Hunter's Ridge is $600K-$720K, newer construction with HOA amenities, popular with first-timers who've saved up that 5-10% down payment. Sierra Lakes is the move-up market at $750K-$950K, custom homes with golf course access and mountain views. You're looking at conventional or jumbo loans here depending on how much you put down, and buyers are typically trading up from somewhere else in the IE.
The commute to LA is about 55 minutes when traffic cooperates, which honestly isn't that often. That drive is exactly why Fontana stays in the $600Ks while similar homes in Pasadena or Burbank cost twice as much. You're trading time on the 10 or 60 for a mortgage payment that won't eat your whole paycheck. Local transit exists but most people drive. If you work in Ontario, Rancho Cucamonga, or anywhere in the Inland Empire, your commute drops to 15-25 minutes. Real talk: the location works best if you've got a job locally or you're okay with that LA commute a few days a week.
The employment base here is actually pretty solid, which matters when you're thinking about long-term property values and job stability. Fontana Unified School District is the biggest employer, followed by Kaiser Permanente Fontana Medical Center. Then you've got the logistics giants: Amazon, Walmart, and UPS all run major distribution centers here. The City of Fontana itself employs a decent number of people. This mix of education, healthcare, and logistics means the local economy isn't dependent on one sector. When you're taking out a 30-year mortgage, you want to know there'll be jobs keeping people moving into the area and supporting home values.
Common questions from Fontana 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 Fontana 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 Fontana: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fontana buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Fontana 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 Fontana 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 Fontana families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Fontana properties fall within conforming limits, maximizing your financing options.
For Fontana'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 Fontana. 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 Fontana. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Fontana. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fontana 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 Fontana: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fontana buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Fontana. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fontana 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 Fontana 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 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Fontana properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Fontana 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 Fontana 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 Fontana families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Fontana. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Fontana. 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 Fontana'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 Fontana is $690,000 for 2026. This covers most homes in Fontana's market, where the median price is around $620,000, making FHA loans a popular choice for first. time buyers who want lower down payment options.
Most buyers in Fontana won't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $620,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of Fontana's market.
For 2026, San Bernardino County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits give buyers in Fontana strong purchasing power across most price ranges in the local market.
Yes, VA loans are highly competitive in Fontana with a loan limit of $833,000, which covers virtually all homes in the area. Veterans and active military can benefit from $0 down payment and no mortgage insurance, making homeownership more affordable in this balanced market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. Additionally, CalHFA offers down payment assistance grants, and San Bernardino County provides programs like the Mortgage Assistance Program (MAP) that can help with down payment and closing costs for first. time and moderate. income buyers.
Down payments in Fontana vary by loan type. Conventional loans typically require 3. 5% down ($18,600. $31,000 on a $620,000 home), FHA loans need 3.5% ($21,700), and VA loans offer $0 down for eligible veterans. Our No Money Down program can also eliminate the down payment requirement for qualified buyers.
Most lenders require a minimum credit score of 620 for conventional loans and 580 for FHA loans in Fontana. With the median home price at $620,000, having a score of 640 or higher will give you access to better rates and more loan options in this competitive market.
Look for a lender with strong knowledge of Fontana's $600K. $900K market and experience with the loan types that work best here, including FHA, VA, and conforming loans. Compare rates, fees, and closing timelines, and choose someone who can explain your options clearly and help you navigate down payment assistance programs if needed.
Fill out the form below and we'll reach out to discuss your Fontana mortgage options.
We respond within 24 hours
