Mortgage broker serving Hidden Hills, 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 Hidden Hills buyers, we match your unique situation to the right program.
Hidden Hills buyers in the luxury segment face unique challenges with high-value properties exceeding $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Hidden Hills 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 Hidden Hills home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Hidden Hills starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Hidden Hills 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 Hidden Hills 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 Hidden Hills homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| 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 Hidden Hills home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Hidden Hills homes exceed the $1.25M limit. Jumbo financing is required for virtually all purchases here.
Hidden Hills buyers can qualify using investment portfolios. Asset depletion converts holdings to qualifying income.
Self-employed Hidden Hills buyers use bank deposits instead of tax returns. 12-24 months statements qualify.
Buy your next Hidden Hills home before selling. Bridge loans cover the gap between properties.
International buyers purchase Hidden Hills properties with foreign national loans. No US credit required.
Hidden Hills tech buyers use RSUs and stock options to qualify. Equity compensation counts as income.
Hidden Hills investors buy in LLC names. Asset protection with entity financing.
Hidden Hills homeowners can access equity for investments. Cash-out refi up to 80% LTV on jumbo.
Refinance Hidden Hills properties under $1.25M at conforming rates. Entry-level homes only.
HELOC access for Hidden Hills homeowners. Flexible credit line against substantial equity.
Home equity loans for Hidden Hills owners. Fixed-rate second mortgage against your equity.
VA IRRRL for Hidden Hills veterans. Refinance existing VA loan with no appraisal needed.
Hidden Hills investors can cash-out immediately after purchase. No seasoning required.
Hidden Hills investment properties qualify on rental income alone. DSCR loans skip employment verification.
Hidden Hills renovation projects get fix-and-flip financing. Short-term funding for major rehabs.
Multifamily financing for Hidden Hills apartment buildings. 5+ unit commercial loans available.
Hard money for Hidden Hills commercial deals. Fast funding when speed matters.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Hidden Hills buyers with qualifying income.
CalHFA assistance technically available but rarely used in Hidden Hills's luxury market.
Family property transfers in Hidden Hills use gift of equity. Seller gifts equity as down payment.
Parents can co-sign for Hidden Hills purchases. Non-occupant co-borrower boosts qualifying income.
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
Hidden Hills sits in the western San Fernando Valley, technically part of LA County but feels like its own world. Population is just 2,107, median household income $250,001, median home price $12.65M. The homeownership rate is 90.9%, which makes sense when you're talking about a single gated community where celebrities and ultra-high-net-worth families buy estates they plan to keep. This isn't a market where conventional loan limits matter. You're looking at jumbo loans starting around $10M, often with 30-40% down, and your mortgage broker needs relationships with private banks that do portfolio lending.
Round Meadow Elementary serves the community and pulls solid ratings, but here's the thing about Hidden Hills schools. Most families buying at this price point either send kids to elite private schools in LA or they value Round Meadow specifically because it's small and exclusive. The school situation matters less for resale value here than in typical suburbs because your buyer pool isn't comparing test scores. They're buying the privacy, the gates, the horse trails, and the fact that their kids go to school with 200 other children from families just like theirs. When you're financing a $15M purchase, the school district is part of the lifestyle package, not the main driver.
Hidden Hills doesn't have neighborhoods in the traditional sense. The entire city is one gated community spanning about 1.7 square miles. Properties run $12.7M median, but you'll see estates from $8M to $30M+ depending on lot size, horse facilities, and how much custom work has been done. Most parcels are 2-5 acres with equestrian setups, privacy hedges, and long driveways. Jumbo loans here require serious documentation and reserves. Lenders want to see 12-24 months of payments in liquid assets on top of your down payment. If you're coming from another state or selling a business to fund the purchase, expect your mortgage process to take 45-60 days minimum while underwriters verify everything.
You're 43 minutes from downtown LA via the 101, 33 minutes to Santa Monica. The commute isn't bad by LA standards, but real talk, most people buying here aren't commuting daily to an office. The location works because you get rural privacy with horse trails and open space while staying inside LA County's sphere. You can be at Nobu Malibu in 25 minutes or at your kid's private school in Calabasas in 10. The value proposition is isolation without actual remoteness. That proximity to LA while maintaining total privacy is exactly why properties hold value even when the broader luxury market softens.
The City of Hidden Hills and Las Virgenes Unified School District are the main employers, but that's almost beside the point for this market. Buyers here are business owners, executives, entertainers, and people with significant investment income. Your income documentation for a jumbo loan at this level might include K-1s from multiple partnerships, stock option schedules, and trust distributions rather than W-2s. Lenders who work this market understand complex income structures. If you're self-employed or your income is variable, plan to show two years of tax returns and be ready to explain any large deposits. The underwriting is thorough because the loan amounts are massive.
Common questions from Hidden Hills 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 Hidden Hills 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 Hidden Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hidden Hills buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Hidden Hills 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 Hidden Hills 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 Hidden Hills 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 Hidden Hills properties fall within conforming limits, maximizing your financing options.
For Hidden Hills'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 Hidden Hills. 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 Hidden Hills. 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 Hidden Hills. 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 Hidden Hills 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 Hidden Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hidden Hills buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Hidden Hills. 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 Hidden Hills 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 Hidden Hills 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 Hidden Hills properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Hidden Hills 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 Hidden Hills 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 Hidden Hills families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Hidden Hills. 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 Hidden Hills. 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 Hidden Hills'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 Hidden Hills is $1,250,000 for 2025. However, with a median home price of $12.7M, FHA loans aren't practical for most properties in this ultra. luxury community. You'll typically need jumbo financing to purchase in Hidden Hills.
Yes, you'll almost certainly need a jumbo loan in Hidden Hills since the median home price is $12.7M and most properties are $3M+. Any loan amount above the conforming limit of $1,250,000 is considered jumbo. Given the market here, jumbo loans are the standard financing option for buyers who aren't paying cash.
For 2025, the conforming loan limit in Los Angeles County is $1,250,000, with FHA and VA limits also at $1,250,000. The 2026 limits haven't been announced yet, but they're typically released in November 2025. In Hidden Hills's ultra. luxury market, these limits rarely impact buyers since most homes require jumbo financing well above these thresholds.
Yes, VA loans are available in Hidden Hills with a limit of $1,250,000 with no down payment required. However, since most Hidden Hills homes are priced at $3M and up, you'd need to cover the difference above the VA limit with a substantial down payment. Many eligible veterans in this market opt for jumbo loans instead due to the pricing.
Our No Money Down program offers $0 down payment for qualified buyers. However, given Hidden Hills's median income of $250,001+ and ultra. luxury pricing, most buyers here exceed income limits for traditional DPA programs like CalHFA or Los Angeles County assistance. High. net. worth buyers in this market typically use conventional jumbo financing with significant down payments rather than assistance programs.
For jumbo loans in Hidden Hills, you'll typically need 20% to 30% down, which translates to $2.5M to $3.8M on the median $12.7M home. Some lenders offer jumbo loans with 10% to 15% down for exceptionally qualified borrowers with strong financials. Many buyers in this ultra. luxury market put down even more or purchase with cash.
For jumbo loans in Hidden Hills's ultra. luxury market, you'll generally need a credit score of at least 700, with most lenders preferring 720 or higher. Given the multi. million dollar loan amounts typical here, lenders scrutinize credit heavily along with your overall financial profile. The strongest rates and terms usually go to borrowers with scores of 760+.
In Hidden Hills's ultra. luxury market, choose a lender with extensive jumbo loan experience and expertise handling complex income situations like stock options, business ownership, and trust structures. You'll want someone who can close multi. million dollar loans efficiently and offer relationship banking services. Look for lenders who specialize in high. net. worth clients and can provide portfolio loan options beyond standard jumbo products.
Fill out the form below and we'll reach out to discuss your Hidden Hills mortgage options.
We respond within 24 hours
