Mortgage broker serving Hesperia, 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 Hesperia buyers, we match your unique situation to the right program.
In Hesperia's market, the right loan program can save thousands over the life of your mortgage.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Hesperia 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 Hesperia home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Hesperia starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Hesperia 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 Hesperia 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 Hesperia 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 Hesperia buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Hesperia. VA loans are the best deal for eligible veterans.
Nearly all Hesperia homes qualify for conforming loans. Best rates available for qualified buyers.
Hesperia buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Hesperia buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Hesperia areas. Check rural designation by address.
Bridge loans available for Hesperia transitions. Finance new purchase before selling.
Entity purchase programs for Hesperia. LLC financing for investment properties.
Hesperia FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Hesperia refinances qualify as conforming. Competitive rates with quick approval.
Hesperia veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Hesperia homeowners with equity. Access funds for any purpose.
Hesperia owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Hesperia homeowners. Lump sum with fixed monthly payments.
Hesperia rental properties qualify with DSCR. No personal income verification needed.
Hesperia renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Hesperia commercial. Fast financing for competitive markets.
Apartment financing in Hesperia. 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 Hesperia buyers with qualifying income.
Hesperia buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Hesperia. City programs plus CalHFA can cover most down payment.
Grant programs for Hesperia first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Hesperia areas. Check rural designation by address.
Gift of equity for Hesperia family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Hesperia 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
Hesperia sits in the Victor Valley about 80 miles northeast of LA, right where the high desert meets the Cajon Pass. Population is 99,878, median household income $67,698. The homeownership rate here is 63.5%, and at $484K median home price, you're looking at one of the last spots in Southern California where a household pulling in $65-75K can still qualify for a conventional loan on a single-family home without draining their entire savings for the down payment.
If you've got kids or plan to, the school ratings matter for both your family and your resale value down the line. Oak Hills High pulls a 7, while Hesperia High and Sultana High both sit at 6. Mesquite Trails Elementary also gets a 7. These aren't the numbers you'll see in coastal districts, but they're solid and stable. The thing is, families who buy here tend to stay, which keeps the neighborhoods consistent and your property value more predictable when it's time to refinance or sell. That stability matters when you're signing a 30-year note.
Where you buy in Hesperia directly affects what loan products make sense and what your monthly payment looks like. Oak Hills runs $450K-$550K in the northern part near Cajon Pass, mostly newer builds with mountain views that work well with conventional loans and attract families looking for modern floor plans. Summit Valley is the premium play at $500K-$650K, spacious lots with horse properties where you'll see conventional and sometimes jumbo loans depending on the acreage. Hesperia Lake sits at $480K-$580K, lakefront and lake-view properties that hold value well because of the recreation access. Deep Creek is your entry point at $420K-$520K, established homes with mature trees in eastern Hesperia where FHA loans are common for first-timers who want more house than they'd get closer to LA.
The commute to LA runs about 82 minutes on a decent day, mostly via I-15 through the Cajon Pass. That drive is exactly why Hesperia stays affordable while Rancho Cucamonga and Ontario have priced out regular working families. Highway 138 connects you to Silverwood Lake and the mountain communities. Look, if you work remotely or have a job in the Victor Valley, you're getting legitimate Southern California living without the soul-crushing mortgage payment. If you commute, you're making a trade that plenty of buyers are willing to make when it means qualifying for a loan on actual square footage instead of a condo.
Hesperia Unified School District is the biggest employer, which means steady public sector jobs with decent benefits. The City of Hesperia itself employs a solid number of people. Walmart and Target both run distribution centers here, and Victor Valley Community Hospital adds healthcare jobs to the mix. Main Street has various retail businesses that provide local employment. The job market is pretty typical for a high desert community, heavy on education, logistics, healthcare, and retail. Most buyers either work locally and enjoy the lower cost of living, or they commute to the Inland Empire or LA basin and use the savings on housing to offset the gas and time.
Common questions from Hesperia 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 Hesperia 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 Hesperia: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hesperia buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Hesperia 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 Hesperia 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 Hesperia families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Hesperia properties fall within conforming limits, maximizing your financing options.
For Hesperia'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 Hesperia. 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 Hesperia. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Hesperia. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Hesperia 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 Hesperia: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hesperia buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Hesperia. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Hesperia 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 Hesperia 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 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Hesperia properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Hesperia 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 Hesperia 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 Hesperia families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Hesperia. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Hesperia. 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 Hesperia'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 Hesperia is $690,000 for 2026, which covers nearly all homes in the area since the median price is around $484K. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments in Hesperia's affordable market. You can purchase most homes here with just 3.5% down using an FHA loan.
You won't need a jumbo loan in Hesperia for most purchases. With conforming and VA loan limits at $833,000 and FHA at $690,000, these standard programs cover the vast majority of homes since most properties range from $450K to $600K. Jumbo loans are only necessary for rare luxury purchases above $833,000.
San Bernardino County's 2026 loan limits are $690,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits are well. suited to Hesperia's market where median home prices sit around $484K, giving buyers plenty of financing flexibility with standard loan programs.
Yes, VA loans are an excellent option in Hesperia with a loan limit of $833,000, which covers all typical homes in the area. If you're a qualified veteran or active military, you can buy with $0 down and no mortgage insurance, making homeownership very affordable in this market. VA loans are particularly competitive here given Hesperia's median home price of $484K.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Hesperia's affordable market. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus San Bernardino County offers local DPA programs that can often be stacked together. These programs are especially valuable for first. time buyers purchasing homes in the $450K. $600K range.
You can buy a Hesperia home with as little as 3.5% down using an FHA loan (about $17,000 on a $484K home) or 3% down with conventional 97 financing. VA. eligible buyers and those using our No Money Down program can purchase with $0 down. Many first. time buyers in Hesperia combine low down payment loans with assistance programs to reduce upfront costs even further.
You can qualify for an FHA loan in Hesperia with a credit score as low as 580, which is perfect for this market where many buyers are credit rebuilders or first. time purchasers. Conventional loans typically require a 620 minimum, while VA loans often accept scores around 580. 620. Given Hesperia's affordable prices and strong DPA options, even buyers working on their credit can find a path to homeownership.
Choose a lender experienced with Hesperia's market who understands FHA, VA, and down payment assistance programs that are popular here. Look for someone who can help you navigate stacking DPA programs and who offers competitive rates on loans in the $450K. $600K range typical of this area. The right lender will take time to explain your options and help first. time buyers feel confident throughout the process.
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