Mortgage broker serving Hemet, 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 Hemet buyers, we match your unique situation to the right program.
First-time buyers in Hemet 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 Hemet 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 Hemet home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Hemet starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Hemet 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 Hemet 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 Hemet 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 is the go-to for Hemet buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Hemet. VA loans are the best deal for eligible veterans.
Nearly all Hemet homes qualify for conforming loans. Best rates available for qualified buyers.
Hemet buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Hemet buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Hemet areas. Check rural designation by address.
Bridge loans available for Hemet transitions. Finance new purchase before selling.
Entity purchase programs for Hemet. LLC financing for investment properties.
Hemet FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Hemet refinances qualify as conforming. Competitive rates with quick approval.
Hemet veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Hemet homeowners with equity. Access funds for any purpose.
Hemet owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Hemet homeowners. Lump sum with fixed monthly payments.
Hemet rental properties qualify with DSCR. No personal income verification needed.
Hemet renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Hemet commercial. Fast financing for competitive markets.
Apartment financing in Hemet. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Hemet buyers with qualifying income.
Hemet buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Hemet. City programs plus CalHFA can cover most down payment.
Grant programs for Hemet first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Hemet areas. Check rural designation by address.
Gift of equity for Hemet family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Hemet buyers qualify. Add parent income to yours.
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
Hemet sits in the San Jacinto Valley in Riverside County, about 90 miles southeast of LA and 30 miles from Palm Springs. Population is 89,651, median household income $49,901. The homeownership rate is 61.1%, which tells you this is a place where people can still buy instead of rent. At $450K median home price, you're looking at one of the more affordable entry points in Southern California, though that affordability comes with a trade-off. The math works if you're earning around $50K and can qualify for an FHA loan with 3.5% down, or if you're a retiree cashing out equity from a pricier market.
The school situation here is something you need to understand before you commit to a mortgage. Hemet Unified runs the show with four main high schools: Hemet High, West Valley High, Tahquitz High, and Hamilton High. The district has had its struggles with ratings and funding over the years, which affects long-term property values differently than areas with top-tier schools. If you're buying strictly as an investment or you don't have school-age kids, the lower home prices might make sense. But if you're raising a family and schools are a priority, you'll want to research specific campuses and maybe budget for private options. The good news is your lower mortgage payment here versus Temecula or Murrieta gives you more flexibility in your monthly budget for other expenses.
Here's the thing about Hemet. The city doesn't have the same kind of defined luxury neighborhoods you'll find in newer Inland Empire developments. Valle Vista runs around $450K and sits on the edge of town, mix of older homes and some newer builds, popular with buyers using conventional loans who want a bit more space. Seven Hills is another $450K area with similar characteristics. Most of Hemet's housing stock dates back to the 70s through 90s, which means you'll see a lot of FHA and VA loan activity because these properties fit those loan limits and often need minor repairs that FHA 203k loans can cover. The market here attracts first-time buyers stretching to afford California and retirees downsizing from expensive coastal areas. Your neighbors will likely be a mix of long-time residents who bought decades ago and newer arrivals looking for affordability.
The commute situation is rough if you're working in LA or Orange County. You're looking at 100 minutes to LA on a good day via I-215 and CA-60, and that's assuming no traffic. Real talk, this commute will burn you out fast unless you're only doing it a couple days a week. That brutal drive is exactly why Hemet stays at $450K while Riverside proper is pushing $600K and Temecula is over $700K. If you work remotely, you're golden. If you've got a job in the valley or you're retired, the commute doesn't matter and you get to keep that mortgage payment reasonable. Local transit exists but you'll need a car for anything practical.
The local job market leans heavily on public sector and healthcare. Hemet Unified School District is the biggest employer, followed by Hemet Valley Medical Center, the City of Hemet, and various Riverside County offices. It's not a job growth hotspot, which keeps home prices from climbing too fast but also means most buyers either work remotely, commute out of town, or are retired and living on fixed incomes. The median household income of $49,901 is well below the California average, and you'll see that reflected in loan applications. Most buyers here are maximizing their debt-to-income ratios and using every first-time buyer program available. If you're earning significantly more than the median and can afford the payment comfortably, you'll have less competition and more negotiating room.
Diamond Valley Lake is the big draw here, especially for retirees who want outdoor access without the desert heat of Palm Springs. The Ramona Bowl Amphitheatre hosts the annual Ramona Pageant, and Simpson Park gives you local recreation options. The Hemet Museum covers local history if that's your thing. Look, this isn't a destination city with trendy restaurants and nightlife. It's a quiet valley town where your dollar goes further and your mortgage payment won't crush you. If you're okay with driving to Temecula or Palm Springs for entertainment and you value a paid-off house over urban amenities, Hemet makes sense. Just make sure you're buying for the right reasons, because resale can be slower here than hotter Inland Empire markets.
Common questions from Hemet 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 Hemet 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 Hemet: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hemet buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Hemet 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 Hemet 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 Hemet families purchase with minimal upfront cash.
2026 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Hemet properties fall within conforming limits, maximizing your financing options.
For Hemet'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 Hemet. 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 Hemet. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Hemet. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Hemet 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 Hemet: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hemet buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Hemet. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Hemet 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 Hemet 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 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Hemet properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Hemet 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 Hemet 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 Hemet families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Hemet. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Hemet. 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 Hemet'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 Hemet (Riverside County) is $690K 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 Hemet 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 Riverside County loan limits are: FHA: $690K, VA: $833K, Conventional: $833K. Any loan amount above $833K is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Hemet with $0 down payment. The 2026 VA loan limit for Riverside County is $833K. 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 Hemet's median price of $450K, 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.
Fill out the form below and we'll reach out to discuss your Hemet mortgage options.
We respond within 24 hours
