Mortgage broker serving Inglewood, 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 Inglewood buyers, we match your unique situation to the right program.
In Inglewood'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 Inglewood 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 Inglewood home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Inglewood starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Inglewood 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 Inglewood 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 Inglewood 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 Inglewood buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Inglewood. Low down payment gets you into most properties here.
$0 down for Inglewood veterans. VA loans cover all properties with no PMI required.
Inglewood business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Inglewood. State assistance helps with down payment and closing costs.
Premium Inglewood homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Inglewood sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Inglewood investors. Buy rentals in entity names.
Conforming refinance for Inglewood homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Inglewood. Easiest way to lower your existing FHA rate.
VA streamline refi for Inglewood veterans. Fastest way to reduce your mortgage payment.
Turn Inglewood home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Inglewood homeowners. Access equity without replacing first mortgage.
Inglewood owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Inglewood investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Inglewood projects. Short-term financing for value-add investments.
Multifamily options for Inglewood investors. Finance apartment buildings with commercial loans.
Inglewood 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 Inglewood buyers with qualifying income.
CalHFA programs popular in Inglewood. State assistance helps with down payment and closing costs.
Inglewood has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Inglewood buyers. Down payment assistance with no repayment.
Inglewood family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Inglewood 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
Inglewood sits right in the heart of the LA basin, population 106,806, median household income $67,563. Here's the thing about this city - the homeownership rate is just 35.5%, which tells you this is primarily a renter's market that's been rapidly changing. At $821K median home price, you're looking at a place that's been transformed by massive development around SoFi Stadium and Hollywood Park. If you can qualify for that price point, you're buying into a city that's betting big on its future, but you'll need solid income and credit to make the numbers work.
The school situation here is mixed, and you need to factor that into your buying decision. Inglewood High and Morningside High serve most families, while City Honors College Preparatory offers a charter option that attracts parents willing to navigate the lottery system. Test scores aren't the highest in LA County, which is part of why prices here haven't hit what you'd pay in Culver City or El Segundo next door. But here's what matters for buyers - if you're choosing Inglewood, you're probably prioritizing location and investment potential over school rankings. Families who do buy here tend to supplement with private schools or are betting on district improvements as all the new development money flows in.
The neighborhood data shows pretty uniform pricing around $821K across the city, which makes sense given how compact Inglewood is. Downtown Inglewood along Market Street puts you near the historic core and civic center, close to all the new stadium development. Conventional loans work here if you've got 10-20% down, but that means coming to the table with $82K-$164K in cash. Morningside Park in the north gets you closest to LAX, which matters if you travel for work or want rental income potential from short-term tenants. Fairview Heights runs more residential and quiet. The truth is, most buyers here are either moving up from renting in the same area or coming from outside betting on appreciation as SoFi and Hollywood Park continue to reshape the city's image and property values.
Location is Inglewood's biggest selling point for your mortgage dollar. You're 29 minutes to downtown LA, 17 minutes to Santa Monica, 27 minutes to Long Beach. That's the kind of central access that costs $1.2M-$1.5M in Culver City or Mar Vista. The 405 and 105 freeways bracket the city, and LAX is practically next door. Local transit exists but most people drive. If you work anywhere in the LA basin, your commute from Inglewood won't be the limiting factor. That accessibility is exactly why developers poured billions into SoFi Stadium here, and it's why lenders generally view Inglewood properties as solid collateral despite the lower homeownership rate.
SoFi Stadium and Hollywood Park completely changed Inglewood's economic profile when they opened. The Forum's been here for decades, but SoFi brought Super Bowls, major concerts, and year-round events that employ thousands. Inglewood Unified School District and the City of Inglewood provide public sector stability, while Centinela Hospital adds healthcare jobs. The employment base is service-heavy, which creates an interesting dynamic - many people who work at these venues can't afford to buy here at $821K. But if you're a buyer with income from elsewhere, you're investing in a city where jobs are growing and major corporations have committed serious capital. That institutional investment matters when you're thinking about whether your property will hold value through the next market cycle.
Common questions from Inglewood 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 Inglewood 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 Inglewood: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Inglewood buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Inglewood 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 Inglewood 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 Inglewood 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 Inglewood properties fall within conforming limits, maximizing your financing options.
For Inglewood'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 Inglewood. 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 Inglewood. 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 Inglewood. 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 Inglewood 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 Inglewood: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Inglewood buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Inglewood. 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 Inglewood 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 Inglewood 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 Inglewood properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Inglewood 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 Inglewood 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 Inglewood families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Inglewood. 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 Inglewood. 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 Inglewood'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 Inglewood is $1,250,000 for 2025, which covers most homes in the area since the median price is around $821K. This higher limit makes FHA loans a competitive option for first. time buyers and those with smaller down payments in Los Angeles County.
Most buyers in Inglewood won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $821K. You'll only need a jumbo loan if you're purchasing a home priced above $1.25 million, which represents the higher end of the local market.
For 2025, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits are typically announced in late fall for the following year, so 2026 limits aren't available yet but may increase based on home price trends.
Yes, VA loans are available in Inglewood with a loan limit of $1,250,000, which covers the vast majority of homes in the area. VA loans offer 0% down and no mortgage insurance, making them an excellent option for eligible veterans and service members in this market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible in Inglewood's competitive market. Additionally, CalHFA offers down payment assistance grants up to 3.5% of the purchase price, and Los Angeles County has programs specifically designed for first. time buyers and moderate. income households.
Down payments in Inglewood typically range from 0% to 20% depending on your loan type. VA loans and our No Money Down program require 0%, FHA loans require just 3.5%, and conventional loans can go as low as 3% for first. time buyers, though 5. 10% is common for the $600K. $900K price range.
Most lenders require a minimum credit score of 580 for FHA loans and 620 for conventional loans in Inglewood. However, you'll typically get better interest rates with a score of 680 or higher, which can save you significantly on a home in the $821K median price range.
Look for a lender experienced with Inglewood's balanced market who can offer multiple loan options including FHA, VA, and conventional programs. Compare rates, fees, and closing timelines from at least three lenders, and choose one who understands down payment assistance programs and can guide you through the process efficiently.
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