Mortgage broker serving Lancaster, 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 Lancaster buyers, we match your unique situation to the right program.
Lancaster provides affordable options for buyers who leverage the right loan programs.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Lancaster 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 Lancaster home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Lancaster starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Lancaster 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 Lancaster 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 Lancaster 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: $1,249,125 |
| 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 Lancaster buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Lancaster. VA loans are the best deal for eligible veterans.
Nearly all Lancaster homes qualify for conforming loans. Best rates available for qualified buyers.
Lancaster buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Lancaster buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Lancaster areas. Check rural designation by address.
Bridge loans available for Lancaster transitions. Finance new purchase before selling.
Entity purchase programs for Lancaster. LLC financing for investment properties.
Lancaster FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Lancaster refinances qualify as conforming. Competitive rates with quick approval.
Lancaster veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Lancaster homeowners with equity. Access funds for any purpose.
Lancaster owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Lancaster homeowners. Lump sum with fixed monthly payments.
Lancaster rental properties qualify with DSCR. No personal income verification needed.
Lancaster renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Lancaster commercial. Fast financing for competitive markets.
Apartment financing in Lancaster. 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 Lancaster buyers with qualifying income.
Lancaster buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Lancaster. City programs plus CalHFA can cover most down payment.
Grant programs for Lancaster first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Lancaster areas. Check rural designation by address.
Gift of equity for Lancaster family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Lancaster 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
Lancaster sits in the Antelope Valley about 70 miles north of LA, right where the desert meets aerospace country. Population is 171,465, median household income $71,367. The homeownership rate is 57.1%, which is actually decent for Los Angeles County. At $470K median home price, you're looking at one of the last places in LA County where a household pulling in $70-75K can realistically qualify for a conventional loan on a single-family home without needing a trust fund.
If you've got kids or you're planning to, the school situation affects both your daily life and your property's resale value down the line. Antelope Valley High and Lancaster High are your main public options, and they serve different parts of the city. Paraclete High is a private choice that draws families willing to pay tuition for smaller class sizes. Desert Winds Continuation serves students needing alternative education paths. The schools aren't pulling top ratings across the board, but they're stable and the district employs a ton of people locally. When you're comparing properties, check which school boundaries you're in because it matters when you go to sell.
Here's the thing about Lancaster: the neighborhoods don't show huge price swings like you'd see in coastal LA County. West Lancaster runs around $470K and gives you access to commercial corridors along Avenue I, which means errands are easier and resale tends to be solid. East Lancaster also sits near $470K and you're closer to Edwards Air Force Base, which matters if you work there or want military buyers in your resale pool down the road. Downtown Lancaster is where the city's been pumping revitalization money with The BLVD project, same $470K range, and you're betting on continued improvement driving values up. Most buyers here use conventional loans since the prices sit in that sweet spot, though FHA works fine if you're stretching on the down payment.
The commute to LA proper takes about 75 minutes on a good day, Santa Monica around 70, Long Beach pushes 93. That drive is exactly why Lancaster stays at $470K while similar-sized homes in the San Fernando Valley run $800K plus. You've got local transit options, but real talk, most people drive. If you're commuting daily to LA, you're trading windshield time for a mortgage payment that won't crush you. If you work locally or at Edwards or for one of the aerospace contractors, you're getting Southern California living without the Southern California payment shock.
Antelope Valley Hospital is a major employer and healthcare jobs tend to be stable, which matters when the economy gets choppy. Lancaster School District employs a big chunk of the local workforce, and the City of Lancaster itself provides steady public sector jobs. Lockheed Martin has operations in the Palmdale-Lancaster area, bringing aerospace money into the region. BYD manufactures electric buses here, which is newer industry but adds manufacturing jobs. The mix of healthcare, education, aerospace, and local government gives the area more economic diversity than you'd expect for a desert community. When lenders look at your employment, working for one of these bigger employers can help your loan approval since they're seen as stable.
Common questions from Lancaster 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 Lancaster 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 Lancaster: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lancaster buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Lancaster 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 Lancaster 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 Lancaster 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 Lancaster properties fall within conforming limits, maximizing your financing options.
For Lancaster'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 Lancaster. 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 Lancaster. 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 Lancaster. 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 Lancaster 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 Lancaster: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lancaster buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Lancaster. 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 Lancaster 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 Lancaster 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 Lancaster properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Lancaster 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 Lancaster 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 Lancaster families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Lancaster. 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 Lancaster. 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 Lancaster'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 Lancaster is $1,250,000 for 2026, which covers virtually all homes in the area. With most Lancaster homes priced between $450K and $600K, you'll have plenty of room under the FHA limit. This makes FHA loans an excellent choice for first. time buyers and those with lower down payments in Lancaster.
You won't need a jumbo loan in Lancaster since the median home price is around $470K and the conforming loan limit is $1,250,000. Nearly all homes in Lancaster fall well below this threshold, so you can take advantage of conventional, FHA, or VA loans with their better rates and terms.
For 2026, Los Angeles County loan limits are $1,250,000 for FHA, VA, and conforming conventional loans. These limits apply throughout the county, including Lancaster, and cover the vast majority of home purchases in affordable areas like the Antelope Valley.
Yes, VA loans are an excellent option in Lancaster with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. With Lancaster's median home price around $470K, you can purchase most homes in the area with $0 down, no PMI, and competitive interest rates if you qualify.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Lancaster. You can also explore CalHFA programs that provide down payment and closing cost assistance, and Los Angeles County often has DPA programs that can be stacked together. These programs are particularly valuable for first. time buyers in Lancaster's affordable market.
You can buy a Lancaster home with as little as 3% down on a conventional loan (about $14,100 on a $470K home) or 3.5% down with FHA (around $16,450). VA loans and our No Money Down program offer $0 down options for those who qualify. With strong down payment assistance available locally, many Lancaster buyers put down very little of their own money.
You can qualify for an FHA loan in Lancaster with a credit score as low as 580, or even lower in some cases with compensating factors. Conventional loans typically require a 620 minimum, though higher scores get better rates. Many Lancaster buyers are credit rebuilders or first. timers, so lenders here are experienced working with various credit profiles.
Choose a lender experienced with Lancaster's affordable market who understands FHA loans, down payment assistance programs, and first. time buyer needs. Look for someone who can explain how to stack DPA programs and compare multiple loan options for your situation. Local expertise matters since Lancaster buyers often benefit from creative financing solutions that maximize affordability.
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