Mortgage broker serving Hollister, 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 Hollister buyers, we match your unique situation to the right program.
In Hollister'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 Hollister 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 Hollister home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Hollister starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Hollister 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 Hollister 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 Hollister 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 Hollister buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Hollister. Low down payment gets you into most properties here.
$0 down for Hollister veterans. VA loans cover all properties with no PMI required.
Hollister business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Hollister. State assistance helps with down payment and closing costs.
Premium Hollister homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Hollister sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Hollister investors. Buy rentals in entity names.
Conforming refinance for Hollister homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Hollister. Easiest way to lower your existing FHA rate.
VA streamline refi for Hollister veterans. Fastest way to reduce your mortgage payment.
Turn Hollister home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Hollister homeowners. Access equity without replacing first mortgage.
Hollister owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Hollister investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Hollister projects. Short-term financing for value-add investments.
Multifamily options for Hollister investors. Finance apartment buildings with commercial loans.
Hollister 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 Hollister buyers with qualifying income.
CalHFA programs popular in Hollister. State assistance helps with down payment and closing costs.
Hollister has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Hollister buyers. Down payment assistance with no repayment.
Hollister family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Hollister 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
Hollister sits in San Benito County about 45 miles south of [San Jose](/mortgage-loans-and-refinance-in-san-jose-ca), right where the Central Coast meets the Bay Area sprawl. Population is 42,093, median household income $95,764. The homeownership rate here is 62.5%, which tells you something important: at $720K median home price, this is where Bay Area workers come when they're ready to actually own instead of rent forever. You're paying a premium compared to the Central Valley, but you're saving $500K compared to Santa Clara County next door.
If you've got kids, the school quality matters for both your family's future and your resale value when you eventually move. San Benito High School serves the whole district and pulls decent marks. Hollister Dual Language Academy offers bilingual education that attracts families willing to pay a bit more for that option. Rancho San Justo Middle and Calaveras Elementary round out the district. The schools aren't Palo Alto level, but they're stable and improving, which is what you want when you're stretching your budget to get into a $720K house. That household income of $95K means most families here are dual-income earners who prioritized homeownership over staying in pricier Bay Area rentals.
Here's the thing about Hollister: it's not a huge place, so you don't have the massive neighborhood price swings you'd see in San Jose or Gilroy. Downtown Hollister centers around San Benito Street with historic buildings and the county courthouse, and homes near downtown run right around that $720K median. You're looking at older housing stock, mostly single-family homes built in the 70s through 90s, with some newer developments on the edges of town. Most buyers here use conventional loans with 10-20% down, though you'll see some FHA action on the lower end of the market. The uniformity actually helps: you're not going to overpay by picking the wrong neighborhood, and appraisals come in clean because there's plenty of comparable sales data.
The commute to [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca) runs about 98 minutes on a good day, which is brutal but doable if you're hybrid or going in three days a week. San Jose is closer at around 45-50 minutes depending on traffic through Gilroy. That commute is exactly why Hollister stays at $720K while similar-sized homes in Morgan Hill or Los Gatos run $1.5M or more. If you work in tech and your company went permanent remote or mostly remote, you're getting California coastal weather and Bay Area adjacency without the Bay Area mortgage payment. But if you're commuting daily, do the math on gas and car maintenance before you commit. That two-hour round trip adds up, and it affects how much house you can really afford when you factor in the true cost.
San Benito County Government and the two school districts are the biggest employers, which gives the area that public sector stability lenders like to see on your application. Hazel Hawkins Memorial Hospital adds healthcare jobs that tend to be recession-resistant. The truth is, most people buying in Hollister at $720K don't work locally. They're commuting to San Jose, Salinas, or working remotely for Bay Area companies. That $95K median income is high for a town this size, and it reflects the fact that Hollister has become a bedroom community for higher earners who got priced out of Santa Clara County. If you lose your Bay Area job, finding equivalent pay locally is tough, which is something to consider when you're deciding how much house to buy.
Common questions from Hollister 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 Hollister 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 Hollister: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hollister buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Hollister 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 Hollister 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 Hollister families purchase with minimal upfront cash.
2026 San Benito County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Hollister properties fall within conforming limits, maximizing your financing options.
For Hollister'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 Hollister. 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 Hollister. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Benito County, and structure your purchase to minimize upfront costs.
You still have options in Hollister. 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 Benito County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Hollister 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 Hollister: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Hollister buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Hollister. 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 Benito County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Hollister 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 Hollister 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 Benito County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Hollister properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Hollister 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 Hollister 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 Hollister families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Hollister. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Benito County, and structure your purchase to minimize upfront costs.
You still have options in Hollister. 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 Hollister'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 Hollister is $1,250,000 for 2026. This higher limit covers most homes in San Benito County's market, where the median home price is around $720,000. You'll be able to purchase well above the median price with just 3.5% down using an FHA loan.
Most buyers in Hollister don't need a jumbo loan since the conforming loan limit is $1,250,000. With typical home prices ranging from $600K to $900K, you'll likely qualify for conventional financing with better rates and terms. Only homes priced above $1.25 million would require a jumbo loan.
San Benito County's 2026 loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to single. family homes in Hollister and throughout the county. The higher limits make it easier to finance homes in Hollister's $600K. $900K price range without going jumbo.
Yes, VA loans are very competitive in Hollister with a loan limit of $1,250,000 and no down payment required for eligible veterans. With the median home price at $720,000, most properties are well within VA loan limits. VA loans offer excellent terms with no PMI and competitive interest rates for service members and veterans.
Our No Money Down program offers $0 down payment for qualified buyers in Hollister. CalHFA programs provide down payment and closing cost assistance with options like the MyHome Assistance Program offering up to 3.5% in grants. San Benito County may also offer local programs for first. time buyers and moderate. income households.
Down payments in Hollister typically range from 0% to 20% depending on your loan type. FHA loans require just 3.5% down (about $25,000 on a $720,000 home), while conventional loans can start at 3% for first. time buyers. VA loans and USDA loans offer $0 down options for qualified buyers.
Most lenders in Hollister require a minimum credit score of 620 for conventional loans and 580 for FHA loans. With the median home price at $720,000, you'll get the best rates with a score of 700 or higher. If your score is below 620, consider working with a credit counselor to improve it before applying.
Look for a lender experienced with Hollister's balanced market and the mix of conforming, FHA, and VA loans common in San Benito County. Compare rates, fees, and closing timelines from multiple lenders, and ask about their experience with homes in the $600K. $900K range. A local lender who understands the area can help you navigate down payment assistance programs and close on time.
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