Mortgage broker serving Gridley, 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 Gridley buyers, we match your unique situation to the right program.
First-time buyers in Gridley 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 Gridley 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 Gridley home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Gridley starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Gridley 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 Gridley 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 Gridley 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 Gridley purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Gridley. State programs reduce out-of-pocket costs significantly.
Veterans buy Gridley homes with $0 down. Full VA benefits cover all properties here.
Many Gridley properties qualify for USDA zero-down loans. Rural designation required.
All Gridley properties qualify for conforming loans. 3% down minimum for first-time buyers.
Gridley local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Gridley homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Gridley. Investors can purchase in entity names.
FHA streamline dominates Gridley refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Gridley veterans. No paperwork hassles, quick closing.
Many Gridley homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Gridley refinance qualifies for conforming rates. Best terms for rate reduction.
Gridley owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Gridley. Predictable payments for major expenses.
DSCR financing for Gridley investors. Buy rentals based on property income potential.
Fix-and-flip financing for Gridley investors. Buy distressed properties, renovate, sell.
Commercial hard money in Gridley. Quick funding when timing is critical.
Multifamily loans available for Gridley 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 Gridley buyers with qualifying income.
CalHFA is a strong option for Gridley. State programs reduce out-of-pocket costs significantly.
Gridley local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Gridley down payment help. Free money for qualified buyers.
Many Gridley properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Gridley benefit from gift of equity. No cash down payment needed.
Gridley 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
Gridley sits in California's North State farm country, about 70 miles north of Sacramento in Butte County. Population is 7,444, median household income $56,428. The homeownership rate here is 46.9%, which is low for a rural area and tells you something important: this is a community where renting is still common, partly because agricultural workers move seasonally. At $423K median home price, you're looking at numbers that have climbed significantly in recent years as Bay Area buyers search farther out for affordability.
If you're buying with kids in mind, Gridley High serves the community along with Sycamore Middle, Wilson Elementary, and McKinley Elementary. The schools aren't going to win state awards, but they're stable and the district is one of the area's largest employers, which means job security for public sector workers. For families buying here, the real calculation is whether you can handle a smaller school system in exchange for lower property taxes and more space. That 46.9% ownership rate means more than half your neighbors are renting, which can affect neighborhood stability when you're thinking about long-term property values and resale potential down the road.
Here's the thing about Gridley: it's small enough that neighborhoods blend together more than they divide. Downtown Gridley runs around $423K and centers on the historic core near Hazel Street, where you'll find older homes with character, some dating back a century. These properties work well with conventional loans if you've got decent credit and 10-20% down, though some of the older homes might need renovation financing like FHA 203k if they need work. The town doesn't have the distinct subdivisions you'd see in suburban areas. You're buying into a rural agricultural community where lot sizes vary and many properties have room for gardens or small-scale farming. USDA loans can work here for qualifying buyers since Gridley sits in a rural zone, offering zero down payment options if your income fits the limits.
The commute situation is rough if you work in a major metro. San Francisco is 145 minutes on a good day, Sacramento about 70 minutes, and LA is completely off the table at nearly 7 hours. There's no freeway running through town, which is part of why Gridley stays affordable compared to Interstate 5 corridor towns. Local transit exists but it's minimal. Real talk: most buyers here either work locally in agriculture, schools, or county services, or they've gone fully remote. If you're commuting to Sacramento or Chico regularly, you're trading serious windshield time for a mortgage payment that won't crush your budget. That tradeoff works for some buyers, especially if gas prices cooperate and your employer offers flexible schedules.
Gridley Unified School District is the anchor employer, which gives the town some economic stability even when agriculture has tough years. The surrounding area runs on rice farming and orchards, meaning seasonal work dominates the private sector employment picture. Butte County government services provide additional public sector jobs, and local retail keeps Main Street alive. The job mix explains that lower homeownership rate: if you're working harvest seasons or contract agricultural work, qualifying for a mortgage gets harder even if you're making decent money. For buyers with steady W-2 income from the school district or county, lenders will work with you on conventional or FHA loans. Self-employed agricultural workers often need two years of tax returns and a larger down payment to overcome income documentation challenges.
Common questions from Gridley 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 Gridley 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 Gridley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Gridley buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Gridley 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 Gridley 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 Gridley families purchase with minimal upfront cash.
2026 Butte County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Gridley properties fall within conforming limits, maximizing your financing options.
For Gridley'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 Gridley. 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 Gridley. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Butte County, and structure your purchase to minimize upfront costs.
You still have options in Gridley. 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 Butte County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Gridley 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 Gridley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Gridley buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Gridley. 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 Butte County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Gridley 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 Gridley 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 Butte County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Gridley properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Gridley 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 Gridley 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 Gridley families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Gridley. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Butte County, and structure your purchase to minimize upfront costs.
You still have options in Gridley. 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 Gridley'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 Gridley is $541,000 for 2025. This covers most homes in the area since the median price is around $423,000, making FHA loans an excellent option for first. time buyers with as little as 3.5% down.
You won't need a jumbo loan in Gridley for most purchases. With conforming and VA loan limits at $833,000 and FHA at $541,000, nearly all homes in the $300K. $450K range qualify for conventional financing with better rates than jumbo products.
For 2026, Butte County loan limits are $833,000 for conforming and VA loans, and $541,000 for FHA loans. These limits are more than sufficient for Gridley's market where most homes sell between $300,000 and $450,000.
Yes, VA loans are available in Gridley with a loan limit of $833,000 and no down payment required for eligible veterans. VA loans are particularly attractive here since they don't require mortgage insurance and cover all price points in the local market.
Our No Money Down program offers $0 down payment for qualified buyers in Gridley. CalHFA programs provide down payment and closing cost assistance for first. time buyers, and some areas of Gridley may qualify for USDA loans with zero down. Butte County also offers local DPA programs that can cover 3. 5% of your purchase price.
You can buy a Gridley home with as little as 3.5% down using an FHA loan, which means about $14,800 on a $423,000 home. VA and USDA loans offer $0 down in eligible areas, and conventional loans require 3. 5% down for qualified first. time buyers.
You can qualify for an FHA loan in Gridley with a credit score as low as 580 for 3.5% down, or even 500 with 10% down. Conventional loans typically require a 620 minimum, while VA loans are more flexible and often approve scores in the 580. 620 range.
Choose a lender experienced with Gridley's entry. level market who understands FHA loans and down payment assistance programs that are crucial here. Look for someone who can explain CalHFA, local DPA options, and USDA eligibility, since these programs can make homeownership possible with limited savings in Butte County.
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