Mortgage broker serving Lemoore, 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 Lemoore buyers, we match your unique situation to the right program.
Lemoore provides attainable homeownership, but buyers face specific financing challenges.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Lemoore 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 Lemoore home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Lemoore starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Lemoore 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 Lemoore 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 Lemoore 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 dominates Lemoore purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Lemoore. State programs reduce out-of-pocket costs significantly.
Veterans buy Lemoore homes with $0 down. Full VA benefits cover all properties here.
Many Lemoore properties qualify for USDA zero-down loans. Rural designation required.
All Lemoore properties qualify for conforming loans. 3% down minimum for first-time buyers.
Lemoore local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Lemoore homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Lemoore. Investors can purchase in entity names.
FHA streamline dominates Lemoore refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Lemoore veterans. No paperwork hassles, quick closing.
Many Lemoore homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Lemoore refinance qualifies for conforming rates. Best terms for rate reduction.
Lemoore owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Lemoore. Predictable payments for major expenses.
DSCR financing for Lemoore investors. Buy rentals based on property income potential.
Fix-and-flip financing for Lemoore investors. Buy distressed properties, renovate, sell.
Commercial hard money in Lemoore. Quick funding when timing is critical.
Multifamily loans available for Lemoore apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Lemoore buyers with qualifying income.
CalHFA is a strong option for Lemoore. State programs reduce out-of-pocket costs significantly.
Lemoore local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Lemoore down payment help. Free money for qualified buyers.
Many Lemoore properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Lemoore benefit from gift of equity. No cash down payment needed.
Lemoore first-time buyers often use co-borrowers. Family help for 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
Lemoore sits in the heart of Kings County in the Central Valley, about 40 minutes south of [Fresno](/mortgage-loans-and-refinance-in-fresno-ca). Population is 26,955, median household income $78,366. The homeownership rate here is 53.7%, which is actually pretty typical for a military town where a good chunk of residents are stationed temporarily. At $375,750 median home price, you're looking at one of the more affordable spots in California where a household pulling in $75-80K can qualify for a conventional loan without stretching into dangerous debt-to-income territory.
The school situation here matters whether you're military or civilian. Lemoore High serves the whole community, and you'll find Lemoore Middle College High for kids who want to knock out college credits early. Liberty Elementary and Jamison Elementary handle the younger grades. The schools are stable, which counts for something when you're thinking about resale. Military families cycle through every few years, but civilian buyers tend to stick around longer, and that stability shows up in property values. If you're planning to stay more than a few years, the schools won't hurt your investment.
Here's the thing about Lemoore: the market doesn't break down into wildly different price tiers like you'd see in bigger cities. Downtown Lemoore runs around $376K, which gets you the historic core with local businesses and civic buildings within walking distance. Areas near NAS Lemoore also hover around $376K, mostly residential developments built to serve military families. VA loans are extremely common near the base, obviously, and they work great here since the price point fits well within VA loan limits. Conventional loans with 5-10% down are standard for civilian buyers. FHA works too if you're a first-timer without much saved up. The relatively tight price range means you're choosing more on location preference than budget.
Fresno is your closest major city at 40 minutes north, which is totally doable for work or shopping. [Bakersfield](/mortgage-loans-and-refinance-in-bakersfield-ca) sits 90 minutes south if you need bigger city amenities. [Stockton](/mortgage-loans-and-refinance-in-stockton-ca) is over two hours, so that's not a regular commute. Local transit exists but let's be real, you'll want a car here. The Central Valley doesn't have the traffic nightmares of the Bay Area or LA, which means your commute time is predictable. If you work at the base or locally, you're spending almost nothing on gas compared to coastal California. That savings can go straight into your mortgage payment or building equity faster.
Naval Air Station Lemoore is the giant in the room, one of the largest employers in the entire Central Valley. It's the Navy's master jet base on the West Coast, which means thousands of jobs both military and civilian. The school districts, Lemoore Union Elementary and Lemoore Union High, employ a solid number of people in education. Adventist Health Hanford is nearby for healthcare jobs. City of Lemoore itself has municipal positions. The economy here is stable because the base isn't going anywhere. That military presence keeps demand steady, which matters when you're thinking about whether your home will hold value. Lenders like stability, and a town built around a major military installation has that in spades.
Common questions from Lemoore 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 Lemoore 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 Lemoore: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lemoore buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Lemoore 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 Lemoore 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 Lemoore families purchase with minimal upfront cash.
2026 Kings County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Lemoore properties fall within conforming limits, maximizing your financing options.
For Lemoore'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 Lemoore. 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 Lemoore. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Kings County, and structure your purchase to minimize upfront costs.
You still have options in Lemoore. 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 Kings County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Lemoore 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 Lemoore: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lemoore buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Lemoore. 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 Kings County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Lemoore 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 Lemoore 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 Kings County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Lemoore properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Lemoore 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 Lemoore 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 Lemoore families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Lemoore. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Kings County, and structure your purchase to minimize upfront costs.
You still have options in Lemoore. 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 Lemoore'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 Lemoore is $541,000 for 2025. This is more than enough for most homes in the area, since the median home price is around $376,000. FHA loans are extremely popular here because they only require 3.5% down and accept credit scores as low as 580.
You won't need a jumbo loan in Lemoore since most homes are priced between $300,000 and $450,000. The conforming loan limit here is $833,000, which covers virtually every property in the area. Jumbo loans are rare in this market and typically unnecessary for first. time buyers.
For 2026, Kings County loan limits are $541,000 for FHA loans and $833,000 for both VA and conforming conventional loans. These limits are set annually and can change, but they're well above Lemoore's median home price of $376,000. You'll have plenty of borrowing power for homes in this area.
Yes, VA loans are available in Lemoore with a loan limit of $833,000, which covers all homes in the area. Given Lemoore's proximity to Naval Air Station Lemoore, VA loans are common here and offer 0% down with no mortgage insurance. If you're military or a veteran, this is often your best option.
Our No Money Down program offers $0 down payment for qualified buyers in Lemoore. CalHFA programs are also excellent options here, providing down payment and closing cost assistance for first. time buyers. Kings County may offer additional local DPA programs, and some areas outside city limits might qualify for USDA loans with zero down.
You can buy a Lemoore home with as little as 3.5% down using an FHA loan, which means around $13,000 to $16,000 on a typical home. VA loans and USDA loans offer 0% down options if you qualify. With down payment assistance programs widely available here, many first. time buyers put down very little or nothing at all.
You can qualify for an FHA loan in Lemoore with a credit score as low as 580, which is the most common loan type here. Conventional loans typically require at least 620, while VA loans are more flexible. Given that Lemoore is an entry. level market, lenders here regularly work with first. time buyers who have modest credit scores.
Choose a lender who specializes in FHA and down payment assistance programs, since those are critical in Lemoore's entry. level market. Look for someone who understands first. time buyer challenges and can guide you through CalHFA and local DPA options. A local lender familiar with Kings County will know which programs work best for homes in the $300,000 to $450,000 range.
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