Mortgage broker serving Fremont, 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 Fremont buyers, we match your unique situation to the right program.
Fremont's market straddles the $1.25M limit, requiring strategic loan structuring.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Fremont 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 Fremont home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Fremont starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Fremont 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 Fremont 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 Fremont homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Fremont home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Fremont prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Fremont.
Self-employed? Fremont bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Fremont properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Fremont buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Fremont buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Fremont moves. Purchase before your current home sells.
Entity financing for Fremont investors. Purchase in LLC for asset protection.
Fremont loans under $1.25M get conforming refinance rates. Best rates available.
Access Fremont home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Fremont homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Fremont veterans. Lower your rate without appraisal or income docs.
Fremont home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Fremont homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Fremont can use DSCR financing. Rental income qualifies the loan.
Fremont rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Fremont apartment buildings. Commercial rates for larger properties.
Hard money financing for Fremont commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Fremont buyers with qualifying income.
CalHFA programs can help Fremont first-time buyers. Check income limits for eligibility.
Fremont family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Fremont. Family member income helps qualification.
Check Fremont city programs for additional DPA. May stack with CalHFA for more help.
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
Fremont sits in the southeast Bay Area where Alameda County meets Silicon Valley. Population is 230,504, median household income $168,000. The homeownership rate here is 62.5%, which is solid for the Bay Area where most people rent. At $1.46M median home price, this isn't cheap, but here's the thing: you're getting Valley access without the full Palo Alto or Cupertino tax. A household pulling $150-180K can still qualify for a mortgage here with 20% down, especially if you're looking at Niles or parts of Irvington. That same household is priced out of most Peninsula cities.
If schools matter to your buying decision, Fremont delivers serious value for the price point. Mission San Jose High consistently ranks in the top 1-2% statewide, which is why homes in that district command $1.8M to $3M+. Irvington High and American High both pull strong ratings too, and that school quality protects your resale value long-term. Families move here specifically for the schools, then stay put, which keeps the ownership rate higher than you'd expect in a region where renting dominates. When you're spending $1.5M on a mortgage, knowing your kids can walk to a top-tier public high school makes that payment easier to swallow.
Where you buy in Fremont directly affects your loan strategy and monthly payment. Mission San Jose runs $1.8M to $3M+, historic district with Spanish colonial architecture and those elite school scores. You're looking at jumbo loans here, often requiring 20-25% down to get decent rates. Warm Springs sits at $1.2M to $1.8M, newer construction near the Tesla factory and BART station, popular with tech workers using conventional jumbos or putting down big equity from stock options. Niles offers the entry point at $1M to $1.5M, Victorian homes and walkable downtown, where high-earning first-time buyers can sometimes squeeze in with 10-15% down on a conforming jumbo. Irvington runs $1.1M to $1.6M, family-friendly with established homes, good schools, and the most flexibility for loan types in that range.
The commute situation is why Fremont works for so many Bay Area buyers. You're 26 minutes to San Jose, 26 to Palo Alto, 31 to Oakland, 47 to San Francisco when traffic cooperates. I-880 and I-680 give you north-south options, and BART stations at Fremont and Warm Springs mean you can ditch the car for city commutes. Real talk: this location flexibility is baked into property values. You're paying a premium over Tracy or Livermore because you can actually reach four major job centers in under an hour. If both you and your partner work in different cities, Fremont's central position justifies the mortgage payment.
Tesla's factory is the headline employer, but the job base here runs deeper than one company. Lam Research, Western Digital, and Seagate Technology give you semiconductor and tech hardware stability. Washington Hospital Healthcare System and Fremont Unified School District add public sector jobs that don't disappear in a tech downturn. The mix matters for your mortgage decision because lenders look at local employment diversity when assessing property values. And if you work in tech, living near major employers means shorter commutes and better work-life balance, which matters when you're stretching to afford a $1.4M home. Most buyers here either work locally in tech or manufacturing, or they're commuting to Silicon Valley or San Francisco for higher-paying jobs that justify the cost.
Common questions from Fremont 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 Fremont 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 Fremont: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fremont buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Fremont 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 Fremont 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 Fremont families purchase with minimal upfront cash.
2026 Alameda County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Fremont properties fall within conforming limits, maximizing your financing options.
For Fremont'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 Fremont. 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 Fremont. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Alameda County, and structure your purchase to minimize upfront costs.
You still have options in Fremont. 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 Alameda County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fremont 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 Fremont: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fremont buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Fremont. 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 Alameda County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Fremont 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 Fremont 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 Alameda County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Fremont properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Fremont 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 Fremont 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 Fremont families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Fremont. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Alameda County, and structure your purchase to minimize upfront costs.
You still have options in Fremont. 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 Fremont'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 2026 FHA loan limit for Fremont (Alameda County) is $1.25M for a single-family home. This is a high-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
It depends on the property. Fremont's median home price is $1.46M, while the conforming loan limit is $1.25M. Properties above the limit require jumbo financing, while those under it can use conventional, FHA, or VA loans.
The 2026 Alameda County loan limits are: FHA: $1.25M, VA: $1.25M, Conventional: $1.25M. Any loan amount above $1.25M is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Fremont with $0 down payment. The 2026 VA loan limit for Alameda County is $1.25M. For properties above this amount, you can still use a VA loan but will need a down payment on the amount exceeding the limit.
We provide same-day pre-approvals for most loan programs. Full loan approval and closing typically takes 21-30 days for conventional and jumbo loans, and 30-45 days for FHA and VA loans.
Down payment requirements vary by loan type: Conventional: 5-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For Fremont's median price of $1.46M, most buyers put down 15-20%.
Minimum credit scores vary by loan type: FHA: 580, Conventional: 620, VA: typically 620, Jumbo: 680-700+. Higher credit scores qualify for better interest rates.
Look for a lender with California experience, strong communication, competitive rates, and the ability to close on time. We've been serving California homebuyers for 40+ years with senior loan officers who specialize in complex scenarios.
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