Mortgage broker serving Greenfield, 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 Greenfield buyers, we match your unique situation to the right program.
Greenfield 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 Greenfield 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 Greenfield home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Greenfield starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Greenfield 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 Greenfield 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 Greenfield 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 |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Jumbo | 15-20% | 680+ | Properties exceeding $832,750 |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
| Reverse Mortgage | N/A | No minimum | Homeowners 62+ tapping equity without payments |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Standard option for Greenfield buyers. Most homes under $995K with competitive rates.
Strong FHA option in Greenfield. Low down payment gets you into most properties here.
$0 down for Greenfield veterans. VA loans cover all properties with no PMI required.
Greenfield business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Greenfield. State assistance helps with down payment and closing costs.
Premium Greenfield homes over $995K require jumbo loans. Less common but available for luxury properties.
Greenfield sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Greenfield investors. Buy rentals in entity names.
Conforming refinance for Greenfield homeowners. Best rates for loans under $995K.
FHA streamline refinance for Greenfield. Easiest way to lower your existing FHA rate.
VA streamline refi for Greenfield veterans. Fastest way to reduce your mortgage payment.
Turn Greenfield home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Greenfield homeowners. Access equity without replacing first mortgage.
Greenfield owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Greenfield investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Greenfield projects. Short-term financing for value-add investments.
Multifamily options for Greenfield investors. Finance apartment buildings with commercial loans.
Greenfield investors use hard money for quick closes. Higher rate but fast funding.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Greenfield buyers with qualifying income.
CalHFA programs popular in Greenfield. State assistance helps with down payment and closing costs.
Greenfield has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Greenfield buyers. Down payment assistance with no repayment.
Greenfield family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Greenfield purchases. Family member income boosts 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
Greenfield sits in the Salinas Valley about 25 miles southeast of Salinas. Population is 4,417, median household income $73,167. The homeownership rate here is 58.6%, which tells you something important: this is a working agricultural community where people rent more than they buy. At $615K median home price, you're looking at Central Coast pricing without the coastal views, and that creates an interesting financing challenge for a town where most households work in ag or food processing.
The school situation here is tied directly to the agricultural economy. Greenfield High, Vista Verde Middle, Mary Chapa Academy, and Cesar Chavez Elementary serve a community where families often work seasonal jobs, which affects school funding and performance. If you're buying here with kids, you need to factor in the school ratings when thinking about resale value down the road. The truth is, most buyers in Greenfield are either moving up from renting locally or coming from families already established in the area. That $615K price point is tough to hit on a single agricultural income, so you'll see a lot of dual-income households or buyers using gift funds from extended family to make the down payment work.
Here's the thing about Greenfield: there isn't a lot of neighborhood variation because it's a small town with limited housing stock. Downtown Greenfield runs around $615K for what's available, mostly older homes near the commercial district along the main streets. You're looking at conventional loans if you can hit the 20% down payment, but FHA loans are common here because that 3.5% down makes more sense when you're stretching to afford Central Coast prices on Valley wages. The housing market is tight because there just aren't that many homes for sale at any given time. When something hits the market at a reasonable price, it moves fast, especially if it's turnkey and doesn't need work.
The commute numbers tell you why Greenfield stays somewhat affordable compared to coastal Monterey County. San Francisco is 137 minutes away, LA is over four hours. You're not commuting to either unless you absolutely have to. Most people who buy here work locally in agriculture, food processing, or the school district. If you need to get to Salinas for work or shopping, that's a 25-minute drive, which is manageable. The lack of highway access means you're on surface streets, and that isolation is exactly why prices haven't exploded like they have in Carmel or Monterey.
The Greenfield Union School District is the largest employer, followed by agricultural companies and food processing facilities throughout the valley. City of Greenfield provides some public sector jobs, but this is fundamentally an agricultural economy. That matters for your mortgage because seasonal work or fluctuating farm income can complicate loan approval. Lenders want to see two years of steady W-2 income, and if you're working harvest seasons or contract ag work, you'll need a loan officer who knows how to document that income properly. The median household income of $73K is decent, but when you're trying to qualify for a $615K mortgage, you're looking at a tight debt-to-income ratio even with a solid down payment.
Common questions from Greenfield 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 Greenfield 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 Greenfield: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Greenfield buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Greenfield 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 Greenfield 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 Greenfield families purchase with minimal upfront cash.
2026 Monterey County limits: FHA $994,750, Conventional $994,750. Any loan above $994,750 is a jumbo loan. Most Greenfield properties fall within conforming limits, maximizing your financing options.
For Greenfield'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 Greenfield. 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 Greenfield. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Monterey County, and structure your purchase to minimize upfront costs.
You still have options in Greenfield. 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 Monterey County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Greenfield 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 Greenfield: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Greenfield buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Greenfield. 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 Monterey County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Greenfield 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 Greenfield 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 Monterey County limits: FHA $994,750, Conventional $994,750. Any loan above $994,750 is a jumbo loan. Most Greenfield properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Greenfield 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 Greenfield 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 Greenfield families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Greenfield. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Monterey County, and structure your purchase to minimize upfront costs.
You still have options in Greenfield. 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 Greenfield'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 Greenfield is $995,000 for 2026. This high limit covers nearly all homes in Greenfield's market, where the median price is around $615,000, making FHA loans an excellent option for buyers with smaller down payments.
Most buyers in Greenfield won't need a jumbo loan since the conforming loan limit is $995,000 and the median home price is $615,000. You'll only need a jumbo loan if you're purchasing a home above $995,000, which represents the higher end of Greenfield's market.
For 2026, Monterey County loan limits are $995,000 for conforming, FHA, and VA loans. These limits apply throughout the county, including Greenfield, and cover the vast majority of home purchases in the area.
Yes, VA loans are very competitive in Greenfield with a loan limit of $995,000. If you're a qualified veteran or active military, VA loans offer excellent benefits including no down payment and no mortgage insurance, making them ideal for Greenfield's median $615,000 home price.
Our No Money Down program offers $0 down payment for qualified buyers in Greenfield. Additionally, CalHFA offers down payment assistance programs, and Monterey County may have local programs to help first. time and moderate. income buyers with down payment and closing costs.
Down payments in Greenfield vary by loan type. Conventional loans typically require 3% to 5% down ($18,450 to $30,750 on a $615,000 home), FHA loans need 3.5% ($21,525), and VA loans offer $0 down for eligible veterans. Our No Money Down program can also help qualified buyers purchase with nothing down.
Most lenders require a minimum credit score of 620 for conventional loans in Greenfield, while FHA loans can accept scores as low as 580 (or even 500 with 10% down). With Greenfield's median home price of $615,000, having a score above 640 will help you qualify for better rates and terms.
Look for a lender experienced with Greenfield's balanced market and familiar with the full range of loan options including FHA, VA, and conforming loans up to $995,000. Compare rates, fees, and closing timelines, and choose someone who understands local programs and can guide both first. time and move. up buyers through the process efficiently.
Fill out the form below and we'll reach out to discuss your Greenfield mortgage options.
We respond within 24 hours
