Mortgage broker serving Huntington Park, 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 Huntington Park buyers, we match your unique situation to the right program.
Huntington Park offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Huntington Park 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 Huntington Park home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Huntington Park starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Huntington Park 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 Huntington Park 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 Huntington Park 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: $1,249,125 |
| 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 $1,249,125 |
| 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 Huntington Park buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Huntington Park. Low down payment gets you into most properties here.
$0 down for Huntington Park veterans. VA loans cover all properties with no PMI required.
Huntington Park business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Huntington Park. State assistance helps with down payment and closing costs.
Premium Huntington Park homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Huntington Park sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Huntington Park investors. Buy rentals in entity names.
Conforming refinance for Huntington Park homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Huntington Park. Easiest way to lower your existing FHA rate.
VA streamline refi for Huntington Park veterans. Fastest way to reduce your mortgage payment.
Turn Huntington Park home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Huntington Park homeowners. Access equity without replacing first mortgage.
Huntington Park owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Huntington Park investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Huntington Park projects. Short-term financing for value-add investments.
Multifamily options for Huntington Park investors. Finance apartment buildings with commercial loans.
Huntington Park 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 Huntington Park buyers with qualifying income.
CalHFA programs popular in Huntington Park. State assistance helps with down payment and closing costs.
Huntington Park has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Huntington Park buyers. Down payment assistance with no repayment.
Huntington Park family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Huntington Park 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
Huntington Park sits just 7 miles southeast of downtown LA in the heart of the Gateway Cities region. Population is 54,547, median household income $54,073. Here's the thing though: the homeownership rate is only 24.3%, one of the lowest in LA County. At $735K median home price, you're looking at prices that track close to LA proper, but in a market where most people rent. That creates an interesting opportunity if you can qualify for a mortgage, because you're building equity while your neighbors are paying rent to someone else.
The school situation is what you'd expect from a dense urban district serving primarily working families. Huntington Park High and Linda Esperanza Marquez High serve the area, along with Gage Middle School. Ratings aren't going to blow you away, but if you're buying here, you're probably prioritizing location and commute over school scores. The low ownership rate means fewer families stay long-term compared to suburban areas, which can affect neighborhood stability. But that also means less competition from other buyers if you're looking at properties zoned for these schools. If education is your top priority, you'll want to budget for private school or plan to buy in a different district, which changes your financing math completely.
Central Huntington Park runs around $735K and represents most of what's available here. You're looking at older homes, many built in the 1920s through 1950s, on smaller urban lots. The area centers around Pacific Boulevard, which is the commercial spine with retail and manufacturing businesses. Most properties are single-family homes converted to multi-unit or small apartment buildings, which is why the ownership rate stays so low. If you're buying a single-family here, FHA loans work well because many properties fall into that price range where conventional loans get competitive but FHA's lower down payment helps first-timers get in. The truth is, you're not buying for space or yards. You're buying for location and the ability to own instead of rent in a market where 75% of your neighbors are tenants.
This is where Huntington Park earns its price tag. You're 20 minutes to downtown LA, 34 minutes to Santa Monica, 29 minutes to Long Beach, 51 minutes to Irvine. No major highways run through the city itself, but you're close enough to I-710, I-5, and I-110 that the whole LA basin opens up fast. Local transit is available, which matters when you're calculating your debt-to-income ratio for a mortgage. If you can skip a second car payment because of transit access, that's another $400-600 a month that could go toward your mortgage qualification. The commute times are what keep prices at $735K instead of $500K. You're paying for proximity to job centers across the entire region.
Huntington Park Unified School District and the City of Huntington Park provide public sector employment, but the real job story here is location. You're not buying to work locally, you're buying to access jobs throughout LA County without the commute from Palmdale or San Bernardino. Pacific Boulevard has retail and manufacturing businesses that employ locally, but most residents work elsewhere in the region. The low homeownership rate tells you this is primarily a working-class community where wages haven't kept pace with home prices. If you're earning $54K, you won't qualify for a $735K mortgage without a major down payment or co-borrower. But if you're a dual-income household pulling $90K-100K combined, you can make the numbers work with FHA or conventional financing and lock in housing costs while rents keep climbing around you.
Common questions from Huntington Park 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 Huntington Park 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 Huntington Park: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Huntington Park buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Huntington Park 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 Huntington Park 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 Huntington Park 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 Huntington Park properties fall within conforming limits, maximizing your financing options.
For Huntington Park'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 Huntington Park. 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 Huntington Park. 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 Huntington Park. 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 Huntington Park 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 Huntington Park: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Huntington Park buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Huntington Park. 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 Huntington Park 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 Huntington Park 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 Huntington Park properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Huntington Park 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 Huntington Park 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 Huntington Park families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Huntington Park. 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 Huntington Park. 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 Huntington Park'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 Huntington Park is $1,250,000 for 2025, which covers most homes in the area since the median price is around $735,000. This higher limit means you can use FHA financing with just 3.5% down on properties well above the typical price range. FHA loans are very competitive in Huntington Park and work great for first. time buyers who want low down payment options.
You won't need a jumbo loan for most Huntington Park homes since the conforming loan limit is $1,250,000 and the median home price is $735,000. Only properties priced above $1.25 million would require jumbo financing, which represents a small portion of the local market. The high conforming limits in Los Angeles County give you access to better rates and terms on the majority of available homes.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans, though these figures may be adjusted later in 2025. These limits apply to Huntington Park and all other cities in the county. The high limits reflect the area's elevated housing costs and allow most buyers to avoid jumbo loan requirements.
Yes, VA loans are available and very competitive in Huntington Park with a loan limit of $1,250,000 and no down payment required for eligible veterans. With the median home price at $735,000, most properties fall well within VA loan limits. VA loans offer excellent terms including no PMI and competitive interest rates, making them one of the best options for qualified military buyers in the area.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Huntington Park. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus Los Angeles County programs designed for first. time and moderate. income buyers. With the area's 24.3% homeownership rate and median income of $54,073, these programs are specifically valuable for helping local residents break into the market.
Down payments in Huntington Park can be as low as 0% with VA loans or our No Money Down program, 3.5% with FHA (about $25,700 on a $735,000 home), or 3% with conventional loans. Many buyers in this price range put down 5. 10%, though 20% down ($147,000 on the median home) eliminates PMI on conventional loans. Your best option depends on your loan type, financial situation, and whether you qualify for down payment assistance.
You can qualify for an FHA loan in Huntington Park 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 often approved with scores around 580. 620. Given the $735,000 median price and competitive lending environment, aiming for 640 or higher will give you access to better rates and more loan options.
Choose a lender experienced with Huntington Park's market who can explain all your options including FHA, VA, conventional, and down payment assistance programs relevant to the area's median price point. Look for competitive rates, transparent fees, and someone who understands the needs of both first. time and move. up buyers in this balanced market. A local lender familiar with Los Angeles County loan limits and programs can often close faster and navigate any property. specific issues more smoothly.
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