Mortgage broker serving Kerman, 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 Kerman buyers, we match your unique situation to the right program.
Kerman's market offers opportunity for buyers who understand their financing options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Kerman 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 Kerman home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Kerman starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Kerman 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 Kerman 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 Kerman 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 dominates Kerman purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Kerman. State programs reduce out-of-pocket costs significantly.
Veterans buy Kerman homes with $0 down. Full VA benefits cover all properties here.
Many Kerman properties qualify for USDA zero-down loans. Rural designation required.
All Kerman properties qualify for conforming loans. 3% down minimum for first-time buyers.
Kerman local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Kerman homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Kerman. Investors can purchase in entity names.
FHA streamline dominates Kerman refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Kerman veterans. No paperwork hassles, quick closing.
Many Kerman homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Kerman refinance qualifies for conforming rates. Best terms for rate reduction.
Kerman owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Kerman. Predictable payments for major expenses.
DSCR financing for Kerman investors. Buy rentals based on property income potential.
Fix-and-flip financing for Kerman investors. Buy distressed properties, renovate, sell.
Commercial hard money in Kerman. Quick funding when timing is critical.
Multifamily loans available for Kerman apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Kerman buyers with qualifying income.
CalHFA is a strong option for Kerman. State programs reduce out-of-pocket costs significantly.
Kerman local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Kerman down payment help. Free money for qualified buyers.
Many Kerman properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Kerman benefit from gift of equity. No cash down payment needed.
Kerman first-time buyers often use co-borrowers. Family help for 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
Kerman sits in the heart of Fresno County's agricultural belt, about 15 miles west of Fresno. Population is 15,980, median household income $53,956. The homeownership rate here is 47.6%, which is lower than the California average, but that's actually creating opportunity right now. At $434K median home price, you're looking at Central Valley pricing that still requires some serious income to qualify, but it's manageable if you're earning in that $55-65K range and can put together a solid down payment.
If you've got kids, Kerman Unified School District serves the whole community, which means consistency from elementary through high school. Goldenrod Elementary, Kerman Middle School, and Kerman High all feed into each other, so your kids won't be bouncing between different districts. The schools aren't pulling top ratings statewide, but they're stable and the community supports them. That lower homeownership rate means there's more rental inventory here, which can work in your favor if you're looking to buy as an investment property or want less competition from other buyers. The district is one of the main employers too, which tells you education jobs keep money flowing through the local economy.
Here's the thing about Kerman - it's small enough that neighborhoods blend together more than they separate out. Downtown Kerman runs right around that $434K median, mix of older homes with character and some updated properties near the historic district. You'll find a lot of these homes were built decades ago when the town was established as an agricultural hub, which means you're often looking at properties that need some work or have already been renovated. FHA loans are popular here because that 3.5% down payment helps first-time buyers get in, especially if you're competing with cash offers from investors. Conventional loans work fine if you've got the 5-10% down, and some buyers use USDA loans since Kerman technically qualifies as rural despite being close to Fresno.
The commute to Fresno is only 24 minutes, which is the main reason Kerman works for a lot of buyers who want Central Valley affordability without being too far from city jobs. You're taking local roads mostly, no major highway runs directly through town, but access to Highway 180 and Highway 99 is close enough. Bakersfield and Stockton are both about two hours out, so this isn't a commuter town for those cities. Local transit exists but most people drive because that's just how the Central Valley works. If you're employed in Fresno or work locally in ag, that short commute means you can afford Kerman's prices without burning half your paycheck on gas.
Kerman Unified School District is the largest employer, which gives the town a steady base of public sector jobs with benefits and predictable income. But the real economic driver here is agriculture - various farms and processing facilities employ a significant chunk of the population. This is farm country, and that means seasonal work patterns can affect the local housing market and what lenders see when they review loan applications. Local retail and services provide the rest of the employment mix, typical small-town stuff. If you're buying here and work in ag, make sure your lender understands seasonal income documentation because that's common in this market. The job base isn't growing explosively, but it's stable enough that property values have held even when other Central Valley towns struggled.
Common questions from Kerman 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 Kerman 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 Kerman: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Kerman buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Kerman 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 Kerman 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 Kerman families purchase with minimal upfront cash.
2026 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Kerman properties fall within conforming limits, maximizing your financing options.
For Kerman'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 Kerman. 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 Kerman. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Kerman. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Kerman 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 Kerman: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Kerman buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Kerman. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Kerman 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 Kerman 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 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Kerman properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Kerman 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 Kerman 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 Kerman families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Kerman. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Kerman. 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 Kerman'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 Kerman is $541,000 for 2025. This covers virtually all homes in Kerman, where the median price is around $434,000, making FHA loans an excellent option for first. time buyers in the area.
You won't need a jumbo loan in Kerman. With conforming and FHA loan limits at $833,000 and $541,000 respectively, and most homes priced between $300,000 and $450,000, standard loan programs will cover your purchase.
For 2025, Fresno County loan limits are $541,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are typically announced in late fall for the following year, so 2026 limits aren't yet available but usually see modest increases.
Yes, VA loans are available in Kerman with a loan limit of $833,000, which covers all homes in the area. If you're a qualified veteran or active military, VA loans offer 0% down with no PMI, making them one of the best options for eligible buyers.
Our No Money Down program offers $0 down payment for qualified buyers in Kerman. CalHFA programs are also popular here, offering down payment and closing cost assistance for first. time buyers, and some areas of Kerman may qualify for USDA loans with zero down for rural properties.
You can buy a Kerman home with as little as 3.5% down using an FHA loan, which means around $15,000 to $16,000 on a median. priced home. With down payment assistance programs or VA loans, you may qualify for 0% down, making homeownership accessible even with limited savings.
You can qualify for an FHA loan in Kerman 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 more flexible and often approve scores in the 580. 620 range.
Choose a lender experienced with Kerman's entry. level market who understands FHA loans and down payment assistance programs that first. time buyers need here. Look for someone who can explain CalHFA and local DPA options clearly, offers competitive rates, and has strong reviews from other Fresno County buyers.
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