Mortgage broker serving Lodi, 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 Lodi buyers, we match your unique situation to the right program.
In Lodi'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 Lodi 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 Lodi home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Lodi starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Lodi 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 Lodi 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 Lodi 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 is the go-to for Lodi buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Lodi. VA loans are the best deal for eligible veterans.
Nearly all Lodi homes qualify for conforming loans. Best rates available for qualified buyers.
Lodi buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Lodi buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Lodi areas. Check rural designation by address.
Bridge loans available for Lodi transitions. Finance new purchase before selling.
Entity purchase programs for Lodi. LLC financing for investment properties.
Lodi FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Lodi refinances qualify as conforming. Competitive rates with quick approval.
Lodi veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Lodi homeowners with equity. Access funds for any purpose.
Lodi owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Lodi homeowners. Lump sum with fixed monthly payments.
Lodi rental properties qualify with DSCR. No personal income verification needed.
Lodi renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Lodi commercial. Fast financing for competitive markets.
Apartment financing in Lodi. 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 Lodi buyers with qualifying income.
Lodi buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Lodi. City programs plus CalHFA can cover most down payment.
Grant programs for Lodi first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Lodi areas. Check rural designation by address.
Gift of equity for Lodi family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Lodi 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
Lodi sits in the northern San Joaquin Valley, about 90 miles east of San Francisco and just north of Stockton. Population is 66,509, median household income $78,468. The homeownership rate here is 55.2%, which is right around the California average. At $495K median home price, you're looking at Central Valley pricing with wine country character - a household pulling in $75-80K can qualify for a conventional loan on a solid single-family home here, which is getting harder to find anywhere in Northern California.
Lodi Unified runs four comprehensive high schools, which tells you this is a family-oriented town with established neighborhoods. Lodi High, Tokay High, Bear Creek High, and McNair High serve different parts of the city, so where you buy determines your school assignment. The district has been stable for decades, and that stability matters when you're thinking about resale value five or ten years down the road. Families who buy here tend to stay, which is why you'll see a lot of conventional 30-year mortgages rather than starter loans people refinance out of quickly. The school district itself is the city's largest employer, so you've got a built-in community of public sector workers with steady income who can qualify for mortgages without drama.
Here's the thing about Lodi - the neighborhoods don't show huge price swings like you'd see in the Bay Area, which actually makes your buying decision simpler. Downtown Lodi runs around $495K and gives you the historic core with walkable shops and early 20th century architecture that appeals to buyers who want character instead of cookie-cutter subdivisions. Woodbridge sits in the southwest at the same $495K median, but you're trading downtown walkability for wine country heritage and a more rural feel on bigger lots. North Lodi also hits that $495K mark and skews newer construction with standard subdivision layouts, which works well for buyers using conventional loans who want move-in ready. The pricing consistency across neighborhoods means you're really choosing lifestyle over budget, and most buyers here go conventional financing since FHA and VA don't offer much advantage at this price point.
The commute to Stockton is only 20 minutes, which makes Lodi a real option if you work in San Joaquin County's seat. Fresno is 130 minutes south, Bakersfield over three and a half hours, so this isn't a commuter town for those markets. The truth is, most people who buy here either work locally or make the drive to Stockton, Sacramento, or occasionally the East Bay. Local transit exists but you'll want a car for daily life. The short Stockton commute is part of why Lodi holds value - you get small-town living without being completely isolated from regional job centers, and that accessibility helps your home maintain resale appeal.
Lodi Unified School District tops the employer list, followed by Adventist Health Lodi Memorial and Lodi Memorial Hospital, so education and healthcare anchor the local economy. The City of Lodi itself employs a solid number of people in municipal roles. And then there's the wine industry, which gives Lodi its identity and brings in tourism dollars year-round. The Lodi Grape Festival is a big deal locally and signals that wine and agriculture still matter here economically. This job mix means you've got stable public sector employment for teachers and healthcare workers who can qualify for mortgages pretty easily, plus seasonal and service work tied to wine tourism. Most lenders see Lodi as a safe bet because the economy isn't dependent on one industry, and that diversification helps when you're trying to get approved.
Common questions from Lodi 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 Lodi 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 Lodi: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lodi buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Lodi 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 Lodi 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 Lodi families purchase with minimal upfront cash.
2026 San Joaquin County limits: FHA $603,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Lodi properties fall within conforming limits, maximizing your financing options.
For Lodi'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 Lodi. 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 Lodi. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Joaquin County, and structure your purchase to minimize upfront costs.
You still have options in Lodi. 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 San Joaquin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Lodi 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 Lodi: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lodi buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Lodi. 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 San Joaquin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Lodi 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 Lodi 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 San Joaquin County limits: FHA $603,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Lodi properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Lodi 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 Lodi 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 Lodi families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Lodi. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Joaquin County, and structure your purchase to minimize upfront costs.
You still have options in Lodi. 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 Lodi'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 Lodi is $604,000 for 2025. This covers most homes in the area since the median price is around $495K, making FHA loans an excellent option for first. time buyers and those with lower down payments.
You won't need a jumbo loan for most homes in Lodi. With conforming and VA loan limits at $833,000 and typical home prices between $450K. $600K, standard loan programs will cover nearly all properties in the area.
For 2025, San Joaquin County loan limits are $833,000 for conforming and VA loans, and $604,000 for FHA loans. These limits typically adjust annually based on home price trends, and 2026 limits will be announced in late 2025.
Yes, VA loans work excellently in Lodi with a loan limit of $833,000, which covers all typical homes in the area. Veterans and active military can buy with $0 down and no PMI, making it one of the best options available for eligible buyers.
Our No Money Down program offers $0 down payment for qualified buyers. You can also access CalHFA programs offering up to 3.5% assistance, San Joaquin County DPA grants, and MyHome Assistance which provides up to $15,000. Many buyers can stack these programs to cover down payment and closing costs entirely.
You can buy a Lodi home with as little as 3% down on a conventional loan (about $14,850 on a $495K home) or 3.5% with FHA (around $17,325). VA loans require $0 down for eligible veterans, and down payment assistance programs can often cover your entire down payment.
You can qualify for an FHA loan in Lodi with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require 620 or higher, while VA loans are most flexible and can work with scores around 580. 600 depending on the lender.
Look for a lender experienced with Lodi's affordable market who can navigate FHA loans and down payment assistance programs effectively. The best lender will explain all your options, help you stack DPA programs if eligible, and have strong relationships with local real estate agents to close on time.
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