Mortgage broker serving Glendale, 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 Glendale buyers, we match your unique situation to the right program.
The Glendale market requires jumbo loan expertise for homes above the $1.25M threshold.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Glendale 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 Glendale home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Glendale starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Glendale 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 Glendale 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 Glendale 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 Glendale home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Glendale 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 Glendale.
Self-employed? Glendale bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Glendale properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Glendale buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Glendale buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Glendale moves. Purchase before your current home sells.
Entity financing for Glendale investors. Purchase in LLC for asset protection.
Glendale loans under $1.25M get conforming refinance rates. Best rates available.
Access Glendale home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Glendale homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Glendale veterans. Lower your rate without appraisal or income docs.
Glendale home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Glendale homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Glendale can use DSCR financing. Rental income qualifies the loan.
Glendale rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Glendale apartment buildings. Commercial rates for larger properties.
Hard money financing for Glendale 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 Glendale buyers with qualifying income.
CalHFA programs can help Glendale first-time buyers. Check income limits for eligibility.
Glendale family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Glendale. Family member income helps qualification.
Check Glendale 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
Glendale sits right next to LA, just across the hills from Hollywood. Population is 194,512, median household income $81,219. The homeownership rate here is only 34.2%, which tells you everything about the market - this is a city where most people rent because buying in is tough. At $1.25M median home price, you're looking at needing roughly $250K down and household income around $230K to qualify conventionally. But here's why people stretch: you get urban amenities, excellent schools, and an 18-minute commute to downtown LA without actually living in LA proper.
The elementary schools here are a big reason families justify the mortgage stretch. Benjamin Franklin, Horace Mann, Verdugo Woodlands, Thomas Edison, and John C. Fremont all pull strong ratings, and the district has a solid reputation across the board. When you're paying $1.25M for a home, school quality isn't just about your kids - it's about protecting your investment. Families who buy here tend to stay long-term, which means steady demand and strong resale values even when the broader market softens. That low 34.2% ownership rate means when a good family home hits the market, you're competing with other serious buyers who've saved for years.
Here's the thing about Glendale - the neighborhoods are all pretty similar in price, hovering right around that $1.3M mark, but they offer different lifestyles. Downtown Glendale puts you near the Americana at Brand and Brand Boulevard, walkable urban living with condos and townhomes mixed in - you'll see more FHA and conventional loans here on smaller units. Montrose up north has that small-town vibe along Honolulu Avenue with single-family homes, popular with families willing to go conventional or jumbo. Adams Hill features historic homes on tree-lined streets, mostly single-family detached, and buyers here typically need jumbo loans given the property sizes. Rossmoyne in the south runs larger homes near Forest Lawn, almost exclusively jumbo territory. The tight price clustering means you're choosing lifestyle over affordability - they all require serious income to qualify.
The commute situation is what makes the mortgage payment somewhat bearable. You're 18 minutes to downtown LA on a decent day, 35 minutes to Santa Monica, 42 to Long Beach. That's legitimately short for Southern California, and it means you can work in LA's highest-paying job markets without the soul-crushing commute. The Glendale Transportation Center gives you Metro access if you want to skip driving. Real talk, this location is why the prices stay high - you're paying for time saved every single day. If you're pulling down $200K+ working in LA, spending an extra $300K on a home here versus somewhere farther out makes financial sense when you factor in commute costs and quality of life.
Glendale's economy is heavily weighted toward privately held companies and corporate offices, which means a lot of white-collar professional jobs. The city doesn't have one massive employer dominating everything, but rather a diverse mix of businesses that keeps the local economy stable. That diversity matters for property values - you don't have the risk of a single plant closing and tanking the housing market. The household income of $81K median sounds decent until you realize that's not enough to buy here, which explains the 34.2% ownership rate. The people who do buy in Glendale are typically dual-income professional households earning well above the median, often $150K-$300K combined. That income stability among homeowners is part of what keeps values resilient even when mortgage rates spike.
Common questions from Glendale 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 Glendale 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 Glendale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Glendale buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Glendale 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 Glendale 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 Glendale families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Glendale properties fall within conforming limits, maximizing your financing options.
For Glendale'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 Glendale. 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 Glendale. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Glendale. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Glendale 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 Glendale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Glendale buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Glendale. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Glendale 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 Glendale 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Glendale properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Glendale 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 Glendale 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 Glendale families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Glendale. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Glendale. 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 Glendale'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 Glendale is $1,250,000 for 2025, which covers many homes in this market. Since Glendale's median home price is around $1.3M, you'll find FHA loans work for a good portion of available properties. Keep in mind that FHA loans require just 3.5% down with a credit score of 580 or higher.
You'll need a jumbo loan for any Glendale home priced above $1,250,000, which includes many properties in this premium market. With the median home price at $1.3M and typical homes ranging from $1.25M to $2M, expect to use either high. balance conforming loans at the limit or jumbo financing. Jumbo loans typically require larger down payments (15. 20%) and stronger credit profiles than conforming loans.
For 2025 (2026 limits aren't released until late 2025), the conforming loan limit in Los Angeles County is $1,250,000 for single. family homes. This same limit applies to FHA and VA loans in Glendale and throughout the county. These high. balance limits reflect the premium housing market across the Los Angeles area.
Yes, VA loans are available in Glendale with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. This covers many homes at or below the median price, making it an excellent option if you qualify. For homes above $1.25M, you'd need a VA jumbo loan with a down payment on the amount exceeding the limit.
Our No Money Down program offers $0 down payment for qualified buyers, which can be especially valuable in Glendale's premium market. CalHFA programs provide down payment and closing cost assistance for first. time buyers, though income limits may restrict eligibility given the area's home prices. Los Angeles County also offers programs for moderate. income buyers, but with Glendale's median price at $1.3M, these programs typically work best for properties at the lower end of the market.
For Glendale's median home price of $1.3M, you're looking at $39,000 with 3% down (conventional), $45,500 with 3.5% down (FHA), or $0 down with VA or our No Money Down program. Most buyers in this premium market put down 10. 20% ($130,000. $260,000) to avoid jumbo loan requirements or secure better rates. If you're buying above $1.25M with a jumbo loan, expect to need 15. 20% down minimum.
You'll need a minimum credit score of 580 for FHA loans, 620 for conventional loans, and typically 680+ for jumbo loans in Glendale's premium market. Since many homes here require jumbo financing above $1.25M, most lenders prefer scores of 700. 720+ for the best rates and terms. If your score is lower, focusing on properties under the conforming limit gives you more financing options.
Look for a Glendale lender experienced with both high. balance conforming and jumbo loans, since you'll likely need one or both in this market. They should offer competitive rates on loans above $1M, understand local property values, and provide clear guidance on whether you're better off at or above the $1.25M conforming limit. Getting pre. approved quickly matters in Glendale's competitive market, so choose a lender known for fast closings and responsive communication.
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