Licensed California mortgage broker with loan programs specialized to your unique situation. Purchase loans, refinancing, FHA, VA, jumbo, commercial, construction, down payment assistance, and more across every Lake community.
Schedule a quick 15-minute call and we'll match you to the right program for your Lake County purchase.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Lake County buyers across 2 cities, we match your unique situation to the right program.
Lake County offers opportunities for buyers with the right financing strategy.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Lake County 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 Lake County home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Lake County starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Lake County 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 Lake County 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.
| Loan Type | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Conventional | $832,750 $833K | $1,066,250 $1.07M | $1,288,800 $1.29M | $1,601,750 $1.60M |
| FHA | $541,287 $541K | $693,050 $693K | $837,700 $838K | $1,041,125 $1.04M |
Limits effective January 1, 2026. VA loans have no county limit for qualified veterans.
Calculate your monthly payment, affordability, and closing costs with Lake County-specific property tax rates and loan limits. Get accurate estimates before you start shopping.
Common questions from Lake County 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 Lake County 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 Lake County: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lake County buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Lake County 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 Lake County 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 Lake County families purchase with minimal upfront cash.
2026 Lake County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Lake County properties fall within conforming limits, maximizing your financing options.
For Lake County's $350K 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 Lake County. 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 Lake County. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Lake County, and structure your purchase to minimize upfront costs.
You still have options in Lake County. 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 Lake County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Lake County typically run 2-4% of the purchase price. On a $350K 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 Lake County: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lake County buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Lake County. 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 Lake County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Lake County typically run 2-4% of the purchase price. On a $350K 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 Lake County 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 Lake County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Lake County properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Lake County 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 Lake County 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 Lake County families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Lake County. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Lake County, and structure your purchase to minimize upfront costs.
You still have options in Lake County. 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 Lake County's $350K 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.
Lake County is designated as a standard area. Conventional conforming loan limits are $807K for single-family homes, $1M for 2-unit properties, $1.2M for 3-unit properties, and $1.6M for 4-unit properties. FHA limits match these amounts.
We serve all cities and communities throughout Lake County, California.
Most properties in Lake County fall under the $807K conforming limit, allowing you to use conventional financing with better rates.
Several programs are available including CalHFA down payment assistance, local first-time buyer programs, and various grant programs. We'll help you identify all programs you qualify for based on your income and location.
Lake County’s housing market is tricky to pin down because you won’t find incorporated cities here. The entire county is unincorporated, which means you’re looking at communities and census-designated places rather than official city limits. Since Lake County isn’t designated as a high-cost area, your conforming loan limit sits at $766,550 for 2024, and that’s actually plenty of room for most properties you’ll find here. You’ll see the biggest price differences between lakefront properties around Clear Lake and the more rural areas inland. Clearlake and Lakeport anchor most of the residential activity, with Clearlake typically running more affordable though Lakeport’s lakefront homes can push higher. The lack of formal city boundaries means you’re really shopping by proximity to the lake and specific communities rather than comparing one town against another.
The economy here leans heavily on tourism around Clear Lake, which is California’s largest natural freshwater lake, along with agriculture and a growing number of remote workers who’ve discovered the area. That tourism base keeps service jobs steady and supports local businesses year-round, not just in summer. If you’re financing here, lenders will want to see stable income because the market can be seasonal, but the trade-off is that you’re not competing with the price pressure you’d face an hour south in Napa or Sonoma counties. hasPage: false
Fill out the form below and we'll reach out to discuss your Lake County mortgage options.
We respond within 24 hours
