Mortgage broker serving Fowler, 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 Fowler buyers, we match your unique situation to the right program.
Fowler offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Fowler 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 Fowler home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Fowler starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Fowler 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 Fowler 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 Fowler 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 Fowler buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Fowler. VA loans are the best deal for eligible veterans.
Nearly all Fowler homes qualify for conforming loans. Best rates available for qualified buyers.
Fowler buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Fowler buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Fowler areas. Check rural designation by address.
Bridge loans available for Fowler transitions. Finance new purchase before selling.
Entity purchase programs for Fowler. LLC financing for investment properties.
Fowler FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Fowler refinances qualify as conforming. Competitive rates with quick approval.
Fowler veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Fowler homeowners with equity. Access funds for any purpose.
Fowler owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Fowler homeowners. Lump sum with fixed monthly payments.
Fowler rental properties qualify with DSCR. No personal income verification needed.
Fowler renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Fowler commercial. Fast financing for competitive markets.
Apartment financing in Fowler. 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 Fowler buyers with qualifying income.
Fowler buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Fowler. City programs plus CalHFA can cover most down payment.
Grant programs for Fowler first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Fowler areas. Check rural designation by address.
Gift of equity for Fowler family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Fowler 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
Fowler is a small agricultural town in Fresno County with 6,819 residents, sitting just 15 minutes southeast of Fresno. Median household income is $56,410, homeownership rate 56.5%, and median home price $485,995. Here's the thing: that price point feels steep for a town this size in the Central Valley, and it's going to stretch most local buyers earning around that median income. You're looking at needing roughly $97K down for a conventional 20% loan, or going FHA with 3.5% down plus mortgage insurance to make the numbers work.
The school situation in Fowler is straightforward since it's a small district. Fremont Elementary and Marshall Elementary serve the community, and while we don't have rating data here, the Fowler Unified School District is the town's largest employer, which tells you education is central to the local economy. For families buying here, you're getting small-town schools where your kids won't get lost in the crowd. The 56.5% homeownership rate is actually below California's average, which likely reflects the affordability challenge when median homes cost nearly nine times median income. If you're buying with kids, factor in that tight school-to-home price ratio when you're thinking about your monthly payment comfort level.
Fowler doesn't have the sprawling subdivision variety you'd see in bigger Valley cities. Downtown Fowler centers around the historic Main Street area where homes run around $486K, mixing older character homes with whatever's available in this small market. The truth is, inventory moves fast in towns this size, and you're not going to find the neighborhood price diversity that helps first-time buyers find an entry point. Most buyers here are using FHA or conventional loans with lower down payments because coming up with $97K cash isn't realistic on a $56K household income. If you're looking at Fowler, you're probably tied to the area for work or family, because you'd find better price-to-income ratios in other Central Valley towns.
The 15-minute commute to Fresno is Fowler's main selling point if you work in the city but want small-town living. No major highways run through town, so you're taking local roads to connect with Highway 99 or 180 depending on where you're headed. Bakersfield sits 94 minutes south, Stockton 127 minutes north, but real talk, most people buying here work locally or in Fresno. Local transit exists but this is car country. That Fresno proximity matters for your mortgage decision because it expands your job options without adding brutal commute costs to your monthly budget.
Fowler's economy runs on agriculture and education. The Fowler Unified School District employs the most people, followed by agricultural packing houses that process the fruit and produce grown throughout the region. Local retail businesses and Fresno County government offices round out the employment mix. If you're not in education or ag, you're probably commuting to Fresno for work. The job base here is stable but not growing fast, which explains why home prices feel high relative to local incomes. Most buyers either have family land connections or work in Fresno and want the small-town environment for raising kids.
Common questions from Fowler 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 Fowler 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 Fowler: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fowler buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Fowler 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 Fowler 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 Fowler 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 Fowler properties fall within conforming limits, maximizing your financing options.
For Fowler'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 Fowler. 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 Fowler. 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 Fowler. 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 Fowler 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 Fowler: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fowler buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Fowler. 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 Fowler 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 Fowler 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 Fowler properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Fowler 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 Fowler 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 Fowler families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Fowler. 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 Fowler. 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 Fowler'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 Fowler is $541,000 for 2025, which covers most homes in this affordable market where the median price is around $486,000. FHA loans are extremely popular here among first. time buyers because they allow down payments as low as 3.5% with credit scores starting at 580. This makes homeownership accessible for young families and those building credit in Fowler.
You won't need a jumbo loan for most Fowler homes since the typical price range of $450,000 to $600,000 falls well below the conforming loan limit of $833,000. Even FHA's limit of $541,000 covers the majority of properties here. Jumbo loans are rarely necessary in Fowler's affordable 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 announced annually in November, so 2026 limits will be released later this year. The current limits comfortably accommodate Fowler's median home price of $486,000.
Yes, VA loans are an excellent option in Fowler with a generous loan limit of $833,000 that covers all homes in the area. Veterans and active military can buy with $0 down, no mortgage insurance, and competitive rates. With Fowler's median home price at $486,000, VA loans provide outstanding value for eligible service members.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Fowler's affordable market. You can also access CalHFA programs offering up to 3.5% assistance, Fresno County down payment assistance grants, and often stack multiple programs together. With the median home at $486,000 and strong DPA eligibility, first. time buyers and families have excellent options to reduce upfront costs.
You can buy a Fowler home with as little as 3.5% down using an FHA loan (about $17,000 on a $486,000 home) or 3% down with Conventional 97 (around $14,600). VA. eligible buyers can purchase with $0 down, and down payment assistance programs can cover most or all of your upfront costs. Many first. time buyers in Fowler successfully use DPA to minimize their cash requirement.
You can qualify for an FHA loan in Fowler with a credit score as low as 580, which is perfect for credit rebuilders and first. time buyers in this market. Conventional loans typically require 620 or higher, while VA loans often accept scores around 580 to 620. With Fowler's affordable prices and strong DPA options, even buyers working on their credit can achieve homeownership.
Choose a lender experienced with Fowler's affordable market who understands FHA loans, down payment assistance programs, and can help first. time buyers navigate the process. Look for someone who can explain how to stack DPA programs and offers multiple loan options suited to your credit profile. The right lender will help you maximize affordability in Fowler's $450,000 to $600,000 price range and close on time.
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