Mortgage broker serving Indio, 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 Indio buyers, we match your unique situation to the right program.
Indio buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Indio 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 Indio home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Indio starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Indio 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 Indio 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 Indio 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 Indio buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Indio. VA loans are the best deal for eligible veterans.
Nearly all Indio homes qualify for conforming loans. Best rates available for qualified buyers.
Indio buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Indio buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Indio areas. Check rural designation by address.
Bridge loans available for Indio transitions. Finance new purchase before selling.
Entity purchase programs for Indio. LLC financing for investment properties.
Indio FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Indio refinances qualify as conforming. Competitive rates with quick approval.
Indio veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Indio homeowners with equity. Access funds for any purpose.
Indio owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Indio homeowners. Lump sum with fixed monthly payments.
Indio rental properties qualify with DSCR. No personal income verification needed.
Indio renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Indio commercial. Fast financing for competitive markets.
Apartment financing in Indio. 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 Indio buyers with qualifying income.
Indio buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Indio. City programs plus CalHFA can cover most down payment.
Grant programs for Indio first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Indio areas. Check rural designation by address.
Gift of equity for Indio family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Indio 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
Indio sits at the eastern end of the Coachella Valley, about 125 miles east of LA and 23 miles southeast of Palm Springs. Population is 89,616, median household income $68,436. The homeownership rate here is 69.3%, which tells you people are buying and staying. At $530K median home price, you're paying a premium for the desert lifestyle and festival economy, but it's still more accessible than coastal markets. A household pulling in $70K can qualify here with the right loan structure, especially if you're looking at FHA with 3.5% down or exploring down payment assistance programs.
The school district matters when you're thinking about resale value and how long you'll stay in the property. Desert Sands Unified runs the show here, with Indio High and Shadow Hills High serving most families. John Glenn Middle School feeds into the high schools and sits central to many neighborhoods. Coachella Valley High pulls students from the eastern edges. The schools aren't pulling top state rankings, but they're stable and serve a growing community. When you're getting pre-approved, lenders look at how long you plan to stay, and families with school-age kids tend to hold properties longer, which can work in your favor for loan terms.
Where you buy in Indio affects your property type and loan options more than price, since everything hovers around that $530K median. Old Town Indio centers on Miles Avenue with the historic downtown vibe, older homes with character that sometimes need renovation loans like FHA 203k or conventional HomeStyle if you're buying a fixer. Shadow Hills up north has newer construction from the 2000s and 2010s, mostly tract homes that appraise clean and work well with conventional financing if you've got the 5-10% down. Indian Palms brings country club living with HOA fees you'll need to factor into your debt-to-income ratio, usually $200-400 monthly, which can affect how much house you qualify for. The neighborhoods don't vary wildly in price, so your choice comes down to lifestyle and what kind of property condition you're comfortable with.
The commute to LA runs about 124 minutes each way, which is brutal for daily driving but explains why Indio hasn't hit Palm Desert price levels yet. Most people who buy here either work locally or have flexible schedules that don't require daily commutes to the basin. Local transit exists but you'll realistically need a car for everything. The truth is, if you're commuting west regularly, you're going to burn out fast. But if you work in the valley or remotely, you get desert living without paying Rancho Mirage money. That commute factor keeps prices from running away completely, which is the only reason a $68K household income can still work at a $530K price point with careful loan structuring.
Desert Sands Unified School District is the biggest employer, which gives the area that public sector job stability lenders like to see on applications. Fantasy Springs Resort Casino brings hospitality and gaming jobs with year-round employment, not just seasonal festival work. John F. Kennedy Memorial Hospital adds healthcare positions that tend to pay decently and show job stability. The City of Indio and Riverside County regional offices provide more government jobs. Here's the thing: the festival economy from Coachella and Stagecoach at Empire Polo Club drives serious seasonal business, but it's not steady W-2 income most buyers can use for mortgage qualifying. If you work in hospitality or events, you'll need two years of tax returns showing consistent income, and self-employed festival workers often struggle with conventional loans without a solid CPA and documentation.
Common questions from Indio 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 Indio 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 Indio: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Indio buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Indio 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 Indio 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 Indio 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 Indio properties fall within conforming limits, maximizing your financing options.
For Indio'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 Indio. 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 Indio. 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 Indio. 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 Indio 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 Indio: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Indio buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Indio. 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 Indio 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 Indio 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 Indio properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Indio 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 Indio 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 Indio families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Indio. 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 Indio. 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 Indio'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 Indio is $690,000 for 2026, which covers nearly all homes in the area since most properties are priced between $450K and $600K. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments in Indio's affordable market.
You won't need a jumbo loan for most homes in Indio since the median price is around $530K and the conforming loan limit is $833,000. The vast majority of properties fall well below this threshold, so you'll qualify for conventional, FHA, or VA financing with better rates and terms than jumbo loans offer.
For 2026, Riverside County loan limits are $690,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits give Indio buyers plenty of purchasing power since most homes are priced well below these thresholds.
Yes, VA loans work exceptionally well in Indio with a loan limit of $833,000 and no down payment required for eligible veterans and service members. With median home prices around $530K, you can purchase most homes in the area with $0 down and no monthly mortgage insurance.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Indio's affordable market. You can also explore CalHFA programs and Riverside County assistance options, and many buyers can stack multiple programs to cover down payment and closing costs entirely.
You can buy a home in Indio with as little as 3% down on a conventional loan (about $15,900 on a $530K home) or 3.5% with FHA financing (around $18,550). VA loans and our No Money Down program require $0 down for qualified buyers, making homeownership very accessible in this affordable market.
You can qualify for an FHA loan in Indio with a credit score as low as 580, which is perfect for first. time buyers and credit rebuilders common in this market. Conventional loans typically require a 620 minimum, while VA loans are often available with scores around 580. 600, giving you multiple pathways to homeownership.
Choose a lender experienced with Indio's affordable market who understands FHA, VA, and down payment assistance programs that work best for first. time buyers. Look for someone who can help you stack DPA programs and navigate credit challenges, since many Indio buyers benefit from creative financing solutions to maximize affordability.
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