Mortgage broker serving Kingsburg, 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 Kingsburg buyers, we match your unique situation to the right program.
Kingsburg 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 Kingsburg 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 Kingsburg home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Kingsburg starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Kingsburg 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 Kingsburg 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 Kingsburg 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 Kingsburg buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Kingsburg. VA loans are the best deal for eligible veterans.
Nearly all Kingsburg homes qualify for conforming loans. Best rates available for qualified buyers.
Kingsburg buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Kingsburg buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Kingsburg areas. Check rural designation by address.
Bridge loans available for Kingsburg transitions. Finance new purchase before selling.
Entity purchase programs for Kingsburg. LLC financing for investment properties.
Kingsburg FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Kingsburg refinances qualify as conforming. Competitive rates with quick approval.
Kingsburg veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Kingsburg homeowners with equity. Access funds for any purpose.
Kingsburg owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Kingsburg homeowners. Lump sum with fixed monthly payments.
Kingsburg rental properties qualify with DSCR. No personal income verification needed.
Kingsburg renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Kingsburg commercial. Fast financing for competitive markets.
Apartment financing in Kingsburg. 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 Kingsburg buyers with qualifying income.
Kingsburg buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Kingsburg. City programs plus CalHFA can cover most down payment.
Grant programs for Kingsburg first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Kingsburg areas. Check rural designation by address.
Gift of equity for Kingsburg family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Kingsburg 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
Kingsburg sits in the heart of the Central Valley, about 23 minutes southeast of Fresno. Population is 12,490, median household income $74,897. The homeownership rate here is 70.8%, which tells you people buy and stay put. At $477,500 median home price, you're looking at Central Valley pricing that's still manageable for households in the $75K-$85K range, especially with conventional financing and decent down payment. This is small-town California where your mortgage payment won't eat your whole paycheck.
The school setup here is straightforward and matters if you're buying with kids in mind. Kingsburg High School serves the community, backed by Rafer Johnson Junior High and elementary options like Kingsburg Elementary Charter and Washington Elementary. The schools are stable and locally controlled, which keeps families rooted here. That 70.8% homeownership rate means most of your neighbors are owners, not renters, and they care about keeping property values steady. When you're thinking about resale down the road, stable schools and high ownership rates work in your favor.
Downtown and the Swedish Village area is where most of the action happens, with homes running around $478K. You're buying into the historic character here, the Swedish-themed architecture that gives this place its identity. The whole town has a walkable downtown feel, which is rare in the Central Valley where everything's usually spread out. Most buyers use conventional loans in this price range, though FHA works if you're coming in with smaller down payment. The town's compact, so you're not dealing with wildly different neighborhoods. What you see is what you get, and that simplicity actually helps when you're trying to figure out where your budget fits.
You're 23 minutes from Fresno, which is the main draw for commuters. That's an easy drive on Highway 99, and it means you can work in Fresno but live somewhere smaller and quieter. Bakersfield is 84 minutes if you've got business down south, but most people aren't making that daily. The Central Valley location puts you in the middle of everything without the traffic headaches of the Bay Area or LA. If you work locally or in Fresno, the commute is manageable and that's why families can justify buying here instead of renting closer to the city.
The school districts are the biggest employers, Kingsburg Joint Union High and Kingsburg Elementary Charter, which gives the town steady public sector jobs with benefits. Sun-Maid has regional presence here, and agriculture is still the backbone of the local economy like most Central Valley towns. Farming operations, packing houses, ag support businesses keep things moving. It's not a tech hub, but the job base is stable and predictable. Most buyers either work in education, ag-related fields, or commute to Fresno for office jobs. The income levels support the home prices, and lenders see this area as solid conventional loan territory.
Common questions from Kingsburg 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 Kingsburg 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 Kingsburg: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Kingsburg buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Kingsburg 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 Kingsburg 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 Kingsburg 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 Kingsburg properties fall within conforming limits, maximizing your financing options.
For Kingsburg'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 Kingsburg. 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 Kingsburg. 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 Kingsburg. 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 Kingsburg 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 Kingsburg: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Kingsburg buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Kingsburg. 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 Kingsburg 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 Kingsburg 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 Kingsburg properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Kingsburg 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 Kingsburg 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 Kingsburg families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Kingsburg. 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 Kingsburg. 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 Kingsburg'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 Kingsburg is $541,000 for 2025. This covers most homes in the area since the median price is around $478K, making FHA loans an excellent option for first. time buyers and those with smaller down payments.
You won't need a jumbo loan for most Kingsburg homes since the conforming loan limit is $833,000 and typical homes range from $450K to $600K. Only properties priced above $833K would require a jumbo loan, which is rare in this affordable market.
For Fresno County in 2025, the conforming loan limit is $833,000, FHA is $541,000, and VA is $833,000. These limits are more than sufficient for Kingsburg's median home price of $478K and cover nearly all properties in the area.
Yes, VA loans work excellently in Kingsburg with a loan limit of $833,000 and no down payment required for eligible veterans. With most homes priced between $450K and $600K, you'll have strong purchasing power and can avoid mortgage insurance entirely.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. You can also explore CalHFA programs and Fresno County down payment assistance, which are particularly strong in this area and can often be stacked together for maximum benefit.
You can buy a Kingsburg home with as little as 3% down on a conventional loan (about $14,300 on a $478K home) or 3.5% with FHA (around $16,700). VA loans and our No Money Down program require $0 down, and down payment assistance can cover most or all of your upfront costs.
You can qualify for an FHA loan in Kingsburg with a credit score as low as 580, or even lower in some cases with compensating factors. Conventional loans typically require a 620 minimum, while VA loans are more flexible and focus on your overall financial picture rather than just your credit score.
Look for a lender experienced with Kingsburg's affordable market who understands FHA loans and down payment assistance programs that work well here. The right lender will help you stack DPA programs, compare FHA versus conventional 97 options, and guide first. time buyers through the process with personalized attention.
Fill out the form below and we'll reach out to discuss your Kingsburg mortgage options.
We respond within 24 hours
