Mortgage broker serving Fresno, 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 Fresno buyers, we match your unique situation to the right program.
First-time buyers in Fresno 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 Fresno 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 Fresno home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Fresno starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Fresno 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 Fresno 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 Fresno 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 Fresno purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Fresno. State programs reduce out-of-pocket costs significantly.
Veterans buy Fresno homes with $0 down. Full VA benefits cover all properties here.
Many Fresno properties qualify for USDA zero-down loans. Rural designation required.
All Fresno properties qualify for conforming loans. 3% down minimum for first-time buyers.
Fresno local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Fresno homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Fresno. Investors can purchase in entity names.
FHA streamline dominates Fresno refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Fresno veterans. No paperwork hassles, quick closing.
Many Fresno homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Fresno refinance qualifies for conforming rates. Best terms for rate reduction.
Fresno owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Fresno. Predictable payments for major expenses.
DSCR financing for Fresno investors. Buy rentals based on property income potential.
Fix-and-flip financing for Fresno investors. Buy distressed properties, renovate, sell.
Commercial hard money in Fresno. Quick funding when timing is critical.
Multifamily loans available for Fresno 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 Fresno buyers with qualifying income.
CalHFA is a strong option for Fresno. State programs reduce out-of-pocket costs significantly.
Fresno local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Fresno down payment help. Free money for qualified buyers.
Many Fresno properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Fresno benefit from gift of equity. No cash down payment needed.
Fresno 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
Fresno sits right in the heart of the Central Valley, population 541,528, median household income $63,001. The homeownership rate is 48.1%, which is lower than you'd expect for a city this affordable, but here's why that matters: at $379K median home price, you've got room to buy while a lot of California has priced out regular earners. A household pulling in $60-70K can actually qualify for a conventional loan on a solid single-family home here, something that's basically impossible in the Bay Area or most of Southern California anymore.
If you're buying with kids in mind, the school ratings here are genuinely strong. Clovis North High and Clovis West High both pull 9s, Bullard High gets an 8, Cooper Elementary scores an 8. Those Clovis schools especially drive property values in the northeast part of the metro, and buyers with families will pay a premium to be in those boundaries. The Clovis Unified district has a reputation that extends statewide, which means when you go to sell five or ten years down the road, you'll have an easier time moving the property. Families looking at Fresno specifically target these school zones, and lenders know properties near top-rated schools appraise more consistently.
Where you buy in Fresno changes your loan strategy and monthly payment pretty dramatically. Fig Garden runs $600K-$1.2M, the most prestigious pocket in the city with tree-lined streets and upscale builds near Fig Garden Village shopping. You're looking at conventional or jumbo loans here depending on your down payment. Old Fig Garden sits nearby at $500K-$900K, mature trees and custom homes with solid walkability, still conventional territory for most buyers. Woodward Park is the family sweet spot at $400K-$700K, newer construction near the park and those top Clovis schools, conventional loans dominate and appraisals come in clean. Tower District is your entry point at $250K-$450K, historic homes with character in the arts district, popular with first-timers using FHA or conventional with lower down payments. The price spread here gives you actual options based on what you can qualify for.
Fresno isn't a commuter city to somewhere else, it's the destination. CA-99 runs north-south through town connecting you to the rest of the Valley, CA-41 heads north toward Yosemite, CA-180 goes east to Kings Canyon. If you're thinking about commuting to Bakersfield that's 104 minutes, Stockton is 120 minutes, which basically means don't. The FAX bus system exists but most people drive. The advantage here is you're not buying a house based on commute tolerance, you're buying because you work in Fresno or the surrounding Valley. That's actually a plus for property values since the local economy supports the housing market instead of depending on people driving two hours each way.
The employment base here is diversified enough to keep the housing market stable. Community Medical Centers and Saint Agnes Medical Center are major healthcare employers, Kaiser Permanente adds to that. Fresno Unified School District is one of the largest employers in the region, California State University Fresno brings education jobs and keeps demand steady for rental properties too. Pelco manufactures security equipment and employs a solid white-collar workforce. The mix of healthcare, education, and manufacturing means you're not overly dependent on one sector, which matters when you're taking out a 30-year mortgage. Lenders look at local employment diversity when they're assessing risk on a property, and Fresno's job base checks that box.
Common questions from Fresno 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 Fresno 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 Fresno: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fresno buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Fresno 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 Fresno 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 Fresno 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 Fresno properties fall within conforming limits, maximizing your financing options.
For Fresno'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 Fresno. 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 Fresno. 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 Fresno. 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 Fresno 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 Fresno: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Fresno buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Fresno. 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 Fresno 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 Fresno 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 Fresno properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Fresno 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 Fresno 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 Fresno families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Fresno. 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 Fresno. 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 Fresno'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 Fresno (Fresno County) is $524K for a single-family home. This is a standard area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
Most Fresno properties are under the $833K conforming loan limit and don't require jumbo financing. Jumbo loans are typically only needed for luxury homes or larger estates.
The 2026 Fresno County loan limits are: FHA: $524K, VA: $1.25M, Conventional: $833K. Any loan amount above $833K is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Fresno with $0 down payment. The 2026 VA loan limit for Fresno 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: 3-5%, FHA: 3.5%, VA: $0 for eligible veterans. For Fresno's median price of $379K, many first-time buyers use 3-5% down programs.
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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