Mortgage broker serving Lawndale, 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 Lawndale buyers, we match your unique situation to the right program.
In Lawndale'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 Lawndale 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 Lawndale home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Lawndale starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Lawndale 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 Lawndale 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 Lawndale 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 Lawndale buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Lawndale. Low down payment gets you into most properties here.
$0 down for Lawndale veterans. VA loans cover all properties with no PMI required.
Lawndale business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Lawndale. State assistance helps with down payment and closing costs.
Premium Lawndale homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Lawndale sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Lawndale investors. Buy rentals in entity names.
Conforming refinance for Lawndale homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Lawndale. Easiest way to lower your existing FHA rate.
VA streamline refi for Lawndale veterans. Fastest way to reduce your mortgage payment.
Turn Lawndale home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Lawndale homeowners. Access equity without replacing first mortgage.
Lawndale owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Lawndale investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Lawndale projects. Short-term financing for value-add investments.
Multifamily options for Lawndale investors. Finance apartment buildings with commercial loans.
Lawndale 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 Lawndale buyers with qualifying income.
CalHFA programs popular in Lawndale. State assistance helps with down payment and closing costs.
Lawndale has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Lawndale buyers. Down payment assistance with no repayment.
Lawndale family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Lawndale 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
Lawndale sits in the South Bay, tucked between Hawthorne and Torrance, about 15 miles from downtown LA. Population is 31,553, median household income $76,213. The homeownership rate here is just 37%, which tells you this is rental-heavy territory where most people lease instead of buy. At $772,500 median home price, you're looking at serious money for a relatively small city, but you're paying for location. This is one of the few South Bay communities where you can still get in under $800K, though that won't last forever given how close you are to the beach and major job centers.
If you're buying for the schools, you need to understand what you're getting. Lawndale High and Leuzinger High both serve the area through Centinela Valley Union High School District. Jane Addams Middle and Will Rogers Middle handle the middle school years. The ratings aren't stellar compared to neighboring Torrance or Manhattan Beach, which is part of why Lawndale stays somewhat more affordable than those areas. But here's the thing: families who buy here often do it for the location and plan to supplement with private options or focus on the proximity to work instead of test scores. That lower homeownership rate means you'll have more renters as neighbors, which can affect long-term property value stability compared to owner-occupied neighborhoods.
Central Lawndale runs around $773K median and covers most of the city's residential stock. You're looking at a mix of post-war single-family homes and some multi-unit properties, mostly built in the 50s through 70s. Lot sizes are typically smaller, 5,000-6,500 square feet, which is standard for dense South Bay communities. For financing, you'll need a conventional loan with solid down payment since FHA loan limits in LA County are $766,550 for 2024, and you're right at that threshold or above. Some buyers use conforming jumbos if they're stretching above $800K for updated properties. The 37% ownership rate means investment properties are common here, so if you're an owner-occupant, you might qualify for better rates than investor buyers competing for the same homes.
The commute situation is what makes Lawndale work for a lot of buyers. You're 31 minutes to downtown LA, 24 minutes to Santa Monica, 21 minutes to Long Beach, 42 minutes to Irvine. That puts you within reasonable striking distance of most major South Bay and LA Basin employment centers without paying Manhattan Beach or Redondo Beach prices. No major highways run directly through Lawndale, but you're minutes from the 405, 105, and 110, which connect you everywhere. Local transit exists but most people drive. If you work at LAX, the beach cities, or anywhere in the South Bay, your commute is going to be manageable, and that's worth real money when you're deciding how much house payment you can handle long-term.
The Centinela Valley Union High School District is the largest employer, followed by the City of Lawndale itself and local retail and service businesses. This isn't a major employment center, it's a bedroom community where most people commute out for work. The local economy is stable but not growing fast, which keeps property appreciation steadier than explosive. Most buyers here work in aerospace around El Segundo and Hawthorne, healthcare in Torrance or Long Beach, or tech and entertainment in LA proper. The job mix in Lawndale itself leans public sector and service industry, so if you're counting on local employment, options are limited. But if you've got a solid job elsewhere in the South Bay and want to buy near work without paying $1.2M, Lawndale makes the math work.
Common questions from Lawndale 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 Lawndale 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 Lawndale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lawndale buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Lawndale 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 Lawndale 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 Lawndale 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 Lawndale properties fall within conforming limits, maximizing your financing options.
For Lawndale'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 Lawndale. 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 Lawndale. 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 Lawndale. 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 Lawndale 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 Lawndale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lawndale buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Lawndale. 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 Lawndale 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 Lawndale 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 Lawndale properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Lawndale 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 Lawndale 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 Lawndale families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Lawndale. 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 Lawndale. 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 Lawndale'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 Lawndale is $1,250,000 for 2025. This high limit easily covers most homes in Lawndale, where the median price is around $773,000, making FHA loans an excellent option for buyers who want lower down payments of just 3.5%.
Most buyers in Lawndale won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $773,000. You'll only need a jumbo loan if you're purchasing a home priced above $1.25 million, which represents the higher end of Lawndale's market.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply throughout Lawndale and the surrounding area, giving buyers access to competitive conventional and government. backed financing for most properties.
Yes, VA loans are very competitive in Lawndale with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. With the median home price at $773,000, VA loans can cover the vast majority of properties in the area while offering excellent terms and no mortgage insurance.
Our No Money Down program offers $0 down payment for qualified buyers in Lawndale. Additionally, CalHFA offers down payment assistance grants and deferred. payment junior loans, while Los Angeles County provides programs specifically designed for first. time and moderate. income homebuyers in the $600K. $900K price range.
Down payments in Lawndale vary by loan type: FHA requires just 3.5% (about $27,000 on a $773,000 home), conventional loans typically need 3. 5% for first. time buyers, and VA loans require $0 down for eligible veterans. With median prices around $773,000, many buyers combine down payment assistance programs to reduce their upfront costs.
Most lenders require a minimum credit score of 620 for conventional loans and 580 for FHA loans in Lawndale. However, you'll get better interest rates with scores above 680, which can save you significantly on a median. priced $773,000 home over the life of your loan.
Look for a lender experienced with Lawndale's middle. market properties and the mix of conventional, FHA, and VA loans common in the area. Compare rates and fees from multiple lenders, ask about their experience with down payment assistance programs, and choose someone who can close on time in Los Angeles County's competitive market.
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