Mortgage broker serving La Verne, 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 La Verne buyers, we match your unique situation to the right program.
In La Verne'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 La Verne 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 La Verne home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in La Verne starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for La Verne 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 La Verne 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 La Verne 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 La Verne buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in La Verne. Low down payment gets you into most properties here.
$0 down for La Verne veterans. VA loans cover all properties with no PMI required.
La Verne business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in La Verne. State assistance helps with down payment and closing costs.
Premium La Verne homes over $1.25M require jumbo loans. Less common but available for luxury properties.
La Verne sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for La Verne investors. Buy rentals in entity names.
Conforming refinance for La Verne homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for La Verne. Easiest way to lower your existing FHA rate.
VA streamline refi for La Verne veterans. Fastest way to reduce your mortgage payment.
Turn La Verne home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for La Verne homeowners. Access equity without replacing first mortgage.
La Verne owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for La Verne investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for La Verne projects. Short-term financing for value-add investments.
Multifamily options for La Verne investors. Finance apartment buildings with commercial loans.
La Verne 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 La Verne buyers with qualifying income.
CalHFA programs popular in La Verne. State assistance helps with down payment and closing costs.
La Verne has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for La Verne buyers. Down payment assistance with no repayment.
La Verne family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for La Verne 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
La Verne sits in the eastern San Gabriel Valley, about 30 miles east of downtown LA. Population is 31,239, median household income $103,816. The homeownership rate here is 67.7%, right in line with the California average for established communities. At $750K median home price, you're looking at a price point that requires serious income to qualify, but you're getting a college town with good schools and reasonable commute access to multiple job centers across Southern California.
If you're buying with kids in mind, the school situation here is solid and it directly affects your property values. Bonita High School serves most of the area and pulls strong ratings, which is exactly what you want when you're putting down a mortgage for the long haul. Damien High School is a private Catholic option that draws families from across the region. The University of La Verne anchors the whole town and gives it that college community feel without the chaos of a big state school. When you're looking at a $750K purchase, you want to know the schools will hold up your resale value, and La Verne delivers on that front.
Old Town La Verne is where the character lives, with the historic downtown district and tree-lined streets that give you that small-town vibe despite being in LA County. You're looking at homes around $750K here, mix of older Craftsman-style properties and updated mid-century builds. Most buyers use conventional loans with 10-20% down, and you'll need income around $180K-$200K to comfortably qualify at current rates. The area attracts professionals, university faculty, and families who want walkability to local shops and restaurants. Properties here tend to be smaller lots compared to newer suburbs, but the trade-off is location and that established neighborhood feel that you can't manufacture in new construction.
Here's the thing about La Verne's location - you're not right on a freeway, but you've got access. The 210 and 10 freeways are both close enough to get you where you need to go without the noise and traffic of living right next to them. Downtown LA is about 37 minutes when traffic cooperates, Irvine is 41 minutes, and you can reach Santa Monica in 53 minutes. That commute flexibility matters when you're deciding between job offers or thinking about career changes down the road. You're paying more than you would in the High Desert or Inland Empire, but you're cutting an hour or more off your daily commute, which translates to real quality of life when you're making mortgage payments for 30 years.
The University of La Verne is the big employer here, which gives the local economy steady anchor. Bonita Unified School District provides solid public sector jobs with benefits, and the City of La Verne itself employs a fair number of residents. But real talk, most people buying at the $750K price point are commuting to higher-paying jobs in downtown LA, Pasadena, or Orange County. The median household income of $103K tells you this is a bedroom community for professionals who want small-town atmosphere with big-city access. If you're self-employed or work remotely, you get a nice quality of life without the LA prices or traffic stress.
Common questions from La Verne 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 La Verne 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 La Verne: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many La Verne buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified La Verne 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 La Verne 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 La Verne 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 La Verne properties fall within conforming limits, maximizing your financing options.
For La Verne'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 La Verne. 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 La Verne. 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 La Verne. 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 La Verne 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 La Verne: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many La Verne buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in La Verne. 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 La Verne 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 La Verne 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 La Verne properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified La Verne 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 La Verne 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 La Verne families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in La Verne. 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 La Verne. 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 La Verne'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 La Verne is $1,250,000 for 2026, which covers most homes in the area since the median price is around $750,000. This higher limit makes FHA loans a competitive option for first. time buyers and those with smaller down payments in Los Angeles County. You'll need just 3.5% down with a credit score of 580 or higher to qualify.
Most buyers in La Verne won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $750,000. Only homes priced above $1.25 million require jumbo financing, which represents a smaller portion of the market here. You'll have access to better rates and more flexible terms with conventional conforming loans for typical La Verne properties.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans on single. family homes. These limits apply throughout the county, including La Verne, and are significantly higher than the national baseline due to the area's elevated home prices. This means you can finance homes well above the median $750,000 price point without needing jumbo financing.
Yes, VA loans are very competitive in La Verne with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. With most homes priced between $600,000 and $900,000, you can purchase a typical La Verne property with $0 down and no PMI. VA loans are an excellent option if you qualify, offering some of the best terms available in today's market.
Our No Money Down program offers $0 down payment for qualified buyers in La Verne, making homeownership immediately accessible. Additionally, CalHFA offers down payment assistance grants and deferred. payment junior loans, while Los Angeles County provides various programs for first. time and moderate. income buyers. These programs can be combined with FHA, VA, or conventional loans depending on your situation and the home price.
Down payments in La Verne vary by loan type: conventional loans require as little as 3% ($22,500 on a $750,000 home), FHA loans need 3.5%, and VA loans offer $0 down for eligible veterans. With median home prices around $750,000, you're looking at roughly $15,000 to $25,000 for most programs, though down payment assistance can reduce or eliminate this requirement.
Most lenders require a minimum credit score of 620 for conventional loans in La Verne, while FHA loans accept scores as low as 580 (or even 500 with 10% down). For the best rates on homes in the $600,000 to $900,000 range, aim for a score of 680 or higher. VA loans are more flexible with credit requirements, often approving qualified veterans with scores in the 580. 620 range.
Look for a lender experienced with La Verne's balanced market who can offer multiple loan options including conforming, FHA, and VA products in the $600,000 to $900,000 range. Compare rates, closing costs, and responsiveness, but also consider their knowledge of local down payment assistance programs that could save you thousands. A lender familiar with Los Angeles County's higher loan limits will help you maximize your purchasing power and close on time.
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