Mortgage broker serving Loma Linda, 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 Loma Linda buyers, we match your unique situation to the right program.
Loma Linda buyers compete in a market where strong financing and quick pre-approval win offers.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Loma Linda 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 Loma Linda home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Loma Linda starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Loma Linda 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 Loma Linda 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 Loma Linda 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: $832,750 |
| 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 $832,750 |
| 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 Loma Linda buyers. Most homes under $833K with competitive rates.
Strong FHA option in Loma Linda. Low down payment gets you into most properties here.
$0 down for Loma Linda veterans. VA loans cover all properties with no PMI required.
Loma Linda business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Loma Linda. State assistance helps with down payment and closing costs.
Premium Loma Linda homes over $833K require jumbo loans. Less common but available for luxury properties.
Loma Linda sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Loma Linda investors. Buy rentals in entity names.
Conforming refinance for Loma Linda homeowners. Best rates for loans under $833K.
FHA streamline refinance for Loma Linda. Easiest way to lower your existing FHA rate.
VA streamline refi for Loma Linda veterans. Fastest way to reduce your mortgage payment.
Turn Loma Linda home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Loma Linda homeowners. Access equity without replacing first mortgage.
Loma Linda owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Loma Linda investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Loma Linda projects. Short-term financing for value-add investments.
Multifamily options for Loma Linda investors. Finance apartment buildings with commercial loans.
Loma Linda 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 Loma Linda buyers with qualifying income.
CalHFA programs popular in Loma Linda. State assistance helps with down payment and closing costs.
Loma Linda has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Loma Linda buyers. Down payment assistance with no repayment.
Loma Linda family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Loma Linda 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
Loma Linda sits in the Inland Empire about 60 miles east of LA with a population of 24,883 and median household income of $70,685. Here's the thing: this is a university town dominated by healthcare and Seventh-day Adventist institutions, which explains why the homeownership rate is only 38.6% compared to California's average. At $625K median home price, you're paying more than neighboring Inland Empire cities, but you're buying into one of the most stable employment markets in the region. Most buyers here are medical professionals, university faculty, or families who want their kids walking distance to top-rated schools and world-class healthcare.
Loma Linda Academy pulls an 8 rating and it's the big draw for families willing to stretch their budget. Loma Linda Elementary scores a 7, Del Rosa Elementary a 6. The schools aren't just about test scores though. They're connected to the university and medical center ecosystem, which means stability and resources most small cities can't match. When you're looking at a $625K median price, you need to know your investment holds value, and the school quality here supports that. Families who buy tend to stay through high school, which keeps turnover low and property values steady even when other Inland Empire markets dip.
Where you buy in Loma Linda directly affects your loan strategy and monthly payment. South Hills runs $580K-$720K with hillside lots and views, mostly conventional loans for established buyers who work at the medical center. Central Loma Linda is your entry point at $520K-$650K, mix of condos and older single-family homes near campus, and this is where you'll see FHA loans work for first-time buyers or residents completing medical training. North Loma Linda sits at $590K-$680K, quiet tree-lined streets that attract families using conventional financing. Country Club Heights is the premium tier at $750K-$950K, larger estates for senior physicians and university leadership, often requiring jumbo loans or significant down payments. The price gaps between neighborhoods are real, but they all share the same employer base and school access.
The commute to LA is about 63 minutes via I-10, which isn't terrible by Southern California standards. But real talk, most people buying here don't commute to LA. They work at the university, the medical center, or one of the healthcare facilities right in town. That's the whole value proposition. You're paying $625K instead of $450K in Fontana or Rialto because you can walk or bike to work at one of the region's largest employers. If you do need to commute to Orange County or LA for a spouse's job, you're looking at over an hour each way, which cuts into the financial advantage pretty quick.
Loma Linda University Health and its medical center dominate employment here, along with the university itself and the VA hospital. This isn't a diverse job market, it's a healthcare and education economy. That concentration actually works in your favor as a buyer because these institutions aren't going anywhere and they pay well enough to support $625K home prices. San Bernardino County provides some public sector jobs, but the vast majority of homebuyers here have direct ties to the university or medical system. When you're getting pre-approved, lenders love seeing employment at these institutions because the job security is about as good as it gets. The downside is if healthcare isn't your field, you're commuting out or paying a premium to live here anyway.
Common questions from Loma Linda 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 Loma Linda 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 Loma Linda: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Loma Linda buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Loma Linda 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 Loma Linda 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 Loma Linda families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Loma Linda properties fall within conforming limits, maximizing your financing options.
For Loma Linda'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 Loma Linda. 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 Loma Linda. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Loma Linda. 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 Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Loma Linda 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 Loma Linda: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Loma Linda buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Loma Linda. 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 Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Loma Linda 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 Loma Linda 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 Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Loma Linda properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Loma Linda 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 Loma Linda 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 Loma Linda families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Loma Linda. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Loma Linda. 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 Loma Linda'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 Loma Linda is $690,000 for 2026. This covers most homes in the area since the median price is around $625,000, making FHA loans a popular choice for first. time buyers who can put down as little as 3.5%.
You won't need a jumbo loan for most Loma Linda homes since the conforming loan limit is $833,000 and the median home price is $625,000. Only properties priced above $833,000 would require a jumbo loan, which represents a small portion of the local market.
For 2026, San Bernardino County loan limits are $833,000 for conforming loans, $690,000 for FHA loans, and $833,000 for VA loans. These limits cover the vast majority of homes in Loma Linda's $600K. $900K market range.
Yes, VA loans are very competitive in Loma Linda with a loan limit of $833,000 and no down payment required for eligible veterans. With the median home price at $625,000, most properties here qualify for VA financing, making it an excellent option if you've served.
Our No Money Down program offers $0 down payment for qualified buyers in Loma Linda. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus San Bernardino County offers local programs designed to help first. time buyers and moderate. income families.
Down payments in Loma Linda typically range from 0% to 20% depending on your loan type. VA loans and our No Money Down program require $0 down, FHA loans need just 3.5%, and conventional loans can start at 3% for first. time buyers or 5% for others.
Most lenders require a minimum credit score of 580 for FHA loans and 620 for conventional loans in Loma Linda. However, you'll get better interest rates with scores above 680, which can save you thousands over the life of your loan on a $625,000 home.
Look for a lender experienced with Loma Linda's balanced market who can explain all your options including FHA, VA, and conventional loans. Compare rates and fees from multiple lenders, but also consider their responsiveness and knowledge of local down payment assistance programs that could save you money.
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