Mortgage broker serving Fortuna, 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 Fortuna buyers, we match your unique situation to the right program.
Fortuna's market offers opportunity for buyers who understand their financing options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Fortuna 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 Fortuna home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Fortuna starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Fortuna 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 Fortuna 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 Fortuna 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 Fortuna purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Fortuna. State programs reduce out-of-pocket costs significantly.
Veterans buy Fortuna homes with $0 down. Full VA benefits cover all properties here.
Many Fortuna properties qualify for USDA zero-down loans. Rural designation required.
All Fortuna properties qualify for conforming loans. 3% down minimum for first-time buyers.
Fortuna local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Fortuna homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Fortuna. Investors can purchase in entity names.
FHA streamline dominates Fortuna refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Fortuna veterans. No paperwork hassles, quick closing.
Many Fortuna homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Fortuna refinance qualifies for conforming rates. Best terms for rate reduction.
Fortuna owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Fortuna. Predictable payments for major expenses.
DSCR financing for Fortuna investors. Buy rentals based on property income potential.
Fix-and-flip financing for Fortuna investors. Buy distressed properties, renovate, sell.
Commercial hard money in Fortuna. Quick funding when timing is critical.
Multifamily loans available for Fortuna 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 Fortuna buyers with qualifying income.
CalHFA is a strong option for Fortuna. State programs reduce out-of-pocket costs significantly.
Fortuna local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Fortuna down payment help. Free money for qualified buyers.
Many Fortuna properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Fortuna benefit from gift of equity. No cash down payment needed.
Fortuna 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
Fortuna sits in Humboldt County on the North Coast, about 15 miles south of [Eureka](/mortgage-loans-and-refinance-in-eureka-ca). Population is 12,527, median household income $58,633. The homeownership rate here is 56.7%, which tells you something important: this is a real working town where people can still afford to buy, not a vacation spot where investors have priced out locals. At $364,500 median home price, you're looking at one of the most affordable coastal California markets where a household making around $60K can actually qualify for a mortgage without stretching into dangerous debt-to-income territory.
Fortuna has five elementary schools serving different parts of town, which matters if you're buying with kids because you'll want to know your assignment. Norman G. Ambrosini Elementary, Linell K. Walker Elementary, South Fortuna Elementary, Toddy Thomas Elementary, and Fortuna Elementary all serve the district. The school system is stable and community-focused, which is what you get in smaller towns. When you're thinking about resale value, families looking to relocate here care about schools, and having options means your property appeals to more buyers down the road. The homeownership rate above 56% means you'll have neighbors who stick around, not renters cycling through every year.
Downtown Fortuna runs around $365K and centers on the historic Main Street area with older homes and walkable access to local businesses. You'll find a mix of property types here, from renovated Victorians to mid-century homes, and conventional loans work fine for most buyers with decent credit and 5-10% down. Newburg also sits at that $365K mark and gives you a community feel within or near the main town. The pricing across Fortuna stays pretty consistent, which is actually helpful because you're not dealing with huge swings between neighborhoods like you see in bigger markets. FHA loans are common here for first-time buyers who can qualify with as little as 3.5% down, and that $364K median means you're looking at around $12,700 down payment on an FHA loan versus $36,450 on a conventional 10% down.
Here's the thing about Fortuna: you're not commuting to San Francisco or LA. The drive to SF is over four hours, LA nearly ten. This is why the town stays affordable while Bay Area suburbs have gone completely insane on pricing. If you work remotely or have a job in Humboldt County, you get actual California coastal living without the million-dollar price tag. Eureka is 15 miles north for additional shopping and services. Local transit exists but most people drive because this is rural Northern California. Your mortgage payment here will be half what you'd pay in the Bay Area, and that trade-off makes sense if you don't need to be plugged into a major metro.
Peterson Holding Company is the major private employer in town, which gives the area some economic anchor. Luke Healthcare and Rehabilitation Center adds healthcare jobs, and healthcare tends to be recession-resistant work. The economy here is mixed between timber industry remnants, healthcare, retail, and small business. Real talk: you're not moving to Fortuna for a tech job or finance career. But if you work in trades, healthcare, education, or can work remotely, you can afford to buy a home here on a regular income. That $58,633 median household income supporting a $364,500 median home price shows you the math actually works, unlike most of California where you'd need to earn twice that to qualify.
Common questions from Fortuna 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 Fortuna 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 Fortuna: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fortuna buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Fortuna 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 Fortuna 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 Fortuna families purchase with minimal upfront cash.
2026 Humboldt County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Fortuna properties fall within conforming limits, maximizing your financing options.
For Fortuna'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 Fortuna. 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 Fortuna. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Humboldt County, and structure your purchase to minimize upfront costs.
You still have options in Fortuna. 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 Humboldt County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fortuna 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 Fortuna: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fortuna buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Fortuna. 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 Humboldt County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fortuna 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 Fortuna 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 Humboldt County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Fortuna properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Fortuna 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 Fortuna 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 Fortuna families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Fortuna. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Humboldt County, and structure your purchase to minimize upfront costs.
You still have options in Fortuna. 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 Fortuna'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 Fortuna is $541,000 for 2025. This covers virtually all homes in the area since the median price is around $365,000, making FHA loans an excellent option for first. time buyers with as little as 3.5% down.
You won't need a jumbo loan in Fortuna. With a conforming loan limit of $833,000 and most homes priced between $300,000 and $450,000, standard FHA, conventional, and VA loans will cover your purchase with better rates and terms than jumbo products.
For 2025, Humboldt County's loan limits are $541,000 for FHA loans and $833,000 for conventional and VA loans. The 2026 limits typically get announced in November 2025, but given Fortuna's affordable market, current limits already provide plenty of coverage for local home prices.
Yes, VA loans work great in Fortuna with a loan limit of $833,000 and no down payment required for eligible veterans. With median home prices around $365,000, you can purchase most homes in the area with $0 down and no monthly mortgage insurance if you qualify.
Our No Money Down program offers $0 down payment for qualified buyers, which is ideal for Fortuna's entry. level market. CalHFA programs provide down payment and closing cost assistance up to 3.5% of the purchase price, and some areas of Humboldt County may qualify for USDA loans with zero down as well.
You can buy a Fortuna home with as little as 3.5% down using an FHA loan, which is about $12,775 on a $365,000 home. With down payment assistance programs or VA/USDA loans, you may qualify for $0 down, making homeownership accessible even with limited savings.
You can qualify for an FHA loan in Fortuna with a credit score as low as 580 for 3.5% down, or even 500 with 10% down. Conventional loans typically require 620 or higher, but given Fortuna's affordable prices and strong DPA options, FHA is often the best path for first. time buyers.
Choose a lender experienced with Fortuna's entry. level market who knows FHA loans and down payment assistance programs inside and out. Look for someone who can explain CalHFA, local DPA options, and creative solutions for buyers with limited savings, since that's what most Fortuna buyers need to succeed.
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