Mortgage broker serving Jurupa Valley, 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 Jurupa Valley buyers, we match your unique situation to the right program.
The Jurupa Valley market rewards buyers with verified financing and competitive loan terms.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Jurupa Valley 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 Jurupa Valley home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Jurupa Valley starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Jurupa Valley 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 Jurupa Valley 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 Jurupa Valley 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 Jurupa Valley buyers. Most homes under $833K with competitive rates.
Strong FHA option in Jurupa Valley. Low down payment gets you into most properties here.
$0 down for Jurupa Valley veterans. VA loans cover all properties with no PMI required.
Jurupa Valley business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Jurupa Valley. State assistance helps with down payment and closing costs.
Premium Jurupa Valley homes over $833K require jumbo loans. Less common but available for luxury properties.
Jurupa Valley sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Jurupa Valley investors. Buy rentals in entity names.
Conforming refinance for Jurupa Valley homeowners. Best rates for loans under $833K.
FHA streamline refinance for Jurupa Valley. Easiest way to lower your existing FHA rate.
VA streamline refi for Jurupa Valley veterans. Fastest way to reduce your mortgage payment.
Turn Jurupa Valley home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Jurupa Valley homeowners. Access equity without replacing first mortgage.
Jurupa Valley owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Jurupa Valley investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Jurupa Valley projects. Short-term financing for value-add investments.
Multifamily options for Jurupa Valley investors. Finance apartment buildings with commercial loans.
Jurupa Valley 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 Jurupa Valley buyers with qualifying income.
CalHFA programs popular in Jurupa Valley. State assistance helps with down payment and closing costs.
Jurupa Valley has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Jurupa Valley buyers. Down payment assistance with no repayment.
Jurupa Valley family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Jurupa Valley 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
Jurupa Valley sits in western Riverside County, right where the Inland Empire meets the LA basin. Population is 105,672, median household income $91,562. The homeownership rate here is 69.9%, which tells you people aren't just renting until they can afford somewhere else. At $700K median home price, you're looking at real money, but here's the thing: you're getting single-family homes with yards for what a condo costs in Orange County. A household pulling in $90K can actually qualify for a conventional loan here with decent down payment, especially if you're looking at the sub-$700K properties that still exist in parts of Rubidoux and Glen Avon.
The Jurupa Unified School District runs four high schools: Jurupa Valley High, Patriot High, Rubidoux High, and Jurupa Hills High. Scores vary across the district, but the key thing for buyers is that you've got options depending on where you land in the city. Families make up the bulk of homeowners here, and that 69.9% ownership rate means your neighbors are invested in keeping property values stable. When you're putting down 5-20% on a $700K mortgage, you want to know the schools won't tank your resale value in five years. The district has been stable, enrollment is steady, and that matters when you're looking at a 30-year commitment.
Jurupa Valley incorporated in 2011 by combining several unincorporated communities, so the neighborhoods still have distinct identities. Rubidoux sits on the western side, median around $700K, mix of older homes from the 60s-80s and some newer construction. Mount Rubidoux gives you hiking right in town, and the historic feel attracts families looking for established neighborhoods where conventional loans are standard. Glen Avon runs through the central-eastern portion, also hitting that $700K median, with slightly newer housing stock and bigger lots in some areas. Mira Loma is the logistics hub, warehouses everywhere, but residential pockets offer the same $700K range with good access to I-60 jobs. FHA and conventional loans both work across these areas, and you'll see VA loans too since March Air Reserve Base isn't far.
The I-60 corridor runs right through Jurupa Valley, and that's your lifeline to jobs and everything else. Commute to LA is about 55 minutes when traffic cooperates, which it doesn't always, but you're closer than the High Desert and cheaper than anything in LA or Orange County. I-15 is accessible for heading north or south through the Inland Empire. Local transit exists but let's be real, you're driving here. The trade-off is clear: you're spending time in the car to get a mortgage payment that doesn't eat 50% of your gross income. If you work in Ontario, Riverside, or even parts of LA County, the commute is manageable and the home equity you build makes it worth it.
Jurupa Unified School District is the biggest employer, which means steady public sector jobs with benefits. Riverside County government offices provide more public employment stability. Kaiser Permanente facilities add healthcare jobs to the mix. But the real economic engine here is the I-60 corridor, packed with logistics and warehousing operations. Amazon, Target, you name it, they've got distribution centers nearby. Retail follows the rooftops, so you've got shopping and service jobs too. The job market isn't fancy, but it's stable, and when you're qualifying for a $700K mortgage, lenders want to see stable employment in a stable economy.
Common questions from Jurupa Valley 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 Jurupa Valley 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 Jurupa Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Jurupa Valley buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Jurupa Valley 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 Jurupa Valley 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 Jurupa Valley 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 Jurupa Valley properties fall within conforming limits, maximizing your financing options.
For Jurupa Valley'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 Jurupa Valley. 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 Jurupa Valley. 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 Jurupa Valley. 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 Jurupa Valley 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 Jurupa Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Jurupa Valley buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Jurupa Valley. 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 Jurupa Valley 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 Jurupa Valley 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 Jurupa Valley properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Jurupa Valley 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 Jurupa Valley 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 Jurupa Valley families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Jurupa Valley. 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 Jurupa Valley. 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 Jurupa Valley'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 Jurupa Valley is $690,000 for 2026. This covers most homes in the area since the median home price is around $700,000, though you may need a small down payment for properties at or above this limit. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
Most buyers in Jurupa Valley don't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $700,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of the local market. The majority of homes here fall comfortably within conventional and FHA loan limits.
For 2026 in Riverside County, the conforming loan limit is $833,000, the FHA limit is $690,000, and the VA loan limit is $833,000. These limits apply to Jurupa Valley and cover most homes in the area's $600K. $900K typical price range. Both conventional and government. backed loans are highly competitive options for local buyers.
Yes, VA loans are an excellent option in Jurupa Valley with a loan limit of $833,000, which covers the vast majority of homes here. VA loans offer 0% down payment for eligible veterans and service members, plus no monthly mortgage insurance. Given the area's median home price of $700,000, most properties qualify well within the VA limit.
Our No Money Down program offers $0 down payment for qualified buyers in Jurupa Valley. Additionally, CalHFA provides down payment assistance grants and deferred. payment junior loans, while Riverside County offers local programs for first. time and moderate. income buyers. These programs can be especially helpful in this market where the median home price is around $700,000.
Down payments in Jurupa Valley vary by loan type: conventional loans typically require 3. 5% for first. time buyers ($21,000. $35,000 on a $700,000 home), FHA loans need 3.5%, and VA loans offer 0% down for eligible veterans. With multiple down payment assistance programs available, many buyers can reduce their upfront costs significantly or even qualify for zero. down options.
Most lenders require a minimum credit score of 620 for conventional loans in Jurupa Valley, while FHA loans accept scores as low as 580 (or even 500 with 10% down). VA loans typically require around 580. 620 depending on the lender. Given the area's balanced market and $700,000 median price, having a score above 640 will give you access to better rates and more loan options.
Look for a lender experienced with Jurupa Valley's market who can explain your options across conventional, FHA, and VA loans since all are competitive here. Compare rates, fees, and closing timelines from multiple lenders, and ask about down payment assistance programs that can help with the area's $700,000 median price point. A knowledgeable local lender will understand Riverside County programs and can guide first. time and move. up buyers through the best financing strategy.
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