Mortgage broker serving Long Beach, 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 Long Beach buyers, we match your unique situation to the right program.
Long Beach 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 Long Beach 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 Long Beach home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Long Beach starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Long Beach 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 Long Beach 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 Long Beach 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 Long Beach buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Long Beach. Low down payment gets you into most properties here.
$0 down for Long Beach veterans. VA loans cover all properties with no PMI required.
Long Beach business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Long Beach. State assistance helps with down payment and closing costs.
Premium Long Beach homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Long Beach sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Long Beach investors. Buy rentals in entity names.
Conforming refinance for Long Beach homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Long Beach. Easiest way to lower your existing FHA rate.
VA streamline refi for Long Beach veterans. Fastest way to reduce your mortgage payment.
Turn Long Beach home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Long Beach homeowners. Access equity without replacing first mortgage.
Long Beach owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Long Beach investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Long Beach projects. Short-term financing for value-add investments.
Multifamily options for Long Beach investors. Finance apartment buildings with commercial loans.
Long Beach 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 Long Beach buyers with qualifying income.
CalHFA programs popular in Long Beach. State assistance helps with down payment and closing costs.
Long Beach has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Long Beach buyers. Down payment assistance with no repayment.
Long Beach family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Long Beach 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
Long Beach is California's seventh-largest city with 462,293 people, sitting right on the coast between LA and Orange County. Median household income is $78,995, but here's the thing: the homeownership rate is just 40.6%, way below the state average. That's because the median home price sits at $895K, which means you need serious income or a hefty down payment to break into this market. But if you can swing it, you're getting a real city with actual urban amenities, beach access, and commutes under 40 minutes to three major job centers.
The school picture matters when you're dropping close to a million on a house. Wilson Classical High pulls an 8 rating and it's competitive to get in, which is why homes in its attendance zone hold value better. Millikan High scores a 7, Poly a 6, Rogers Middle a 7. Not the scores you'd see in South Bay or parts of Orange County, but decent enough that families aren't fleeing to private school en masse. The reality is most Long Beach buyers are choosing location and lifestyle over top-tier public schools. If schools are your number one priority and you've got an $800K budget, you might get better ratings in Cerritos or Lakewood for less money. But you won't get the beach or the urban walkability.
Where you buy in Long Beach determines whether you're looking at a conventional loan or jumbo territory. Belmont Shore runs $1.1M to $2.5M for that walkable beach town vibe with restaurants and shops, so you're definitely in jumbo loan range and need to qualify accordingly. Naples Island is the trophy property zone at $1.8M to $4M+, waterfront with private docks, strictly jumbo and often cash buyers competing. Bixby Knolls offers the best value at $650K to $1.2M, tree-lined streets with vintage homes and families, where conventional loans still work on the lower end. California Heights runs $750K to $1.4M with Craftsman and Spanish Revival architecture near Cal State Long Beach, popular with professors and young professionals who can handle the higher price point. El Dorado Park Estates sits at $700K to $1.1M, family-oriented near the regional park, and it's your best shot at staying under conforming loan limits if you shop carefully.
The commute situation is honestly one of Long Beach's strongest selling points. You're 33 minutes to downtown LA via I-710, 36 minutes to Santa Monica, 38 minutes to Irvine. That's real access to three separate job markets without the soul-crushing drive you'd face from the Inland Empire or High Desert. I-405, I-710, CA-1, CA-22, and CA-91 all run through or near the city, so you've got options depending on where you work. Metro Rail connects you to LA, and Long Beach Transit is actually functional for local trips. If you work in aerospace, healthcare, education, or port logistics, you might not commute at all. The location is why Long Beach commands the prices it does.
The Port of Long Beach is one of the busiest in the Western Hemisphere, and it drives a ton of employment both directly and through logistics companies. Boeing has a major presence here, along with Long Beach Memorial Medical Center and Cal State Long Beach, which employs over 3,000 people. The City of Long Beach and Long Beach Unified School District add public sector stability. The job base is diverse enough that the local economy doesn't tank when one sector struggles. Real talk: that 40.6% homeownership rate tells you most people here are renting because they can't qualify for an $895K mortgage on the local median income. If you're a dual-income household pulling $150K+ or you've got equity from another property, you can make it work. Otherwise, you're competing with investors and out-of-area buyers with deeper pockets.
Common questions from Long Beach 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 Long Beach 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 Long Beach: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Long Beach buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Long Beach 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 Long Beach 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 Long Beach 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 Long Beach properties fall within conforming limits, maximizing your financing options.
For Long Beach'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 Long Beach. 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 Long Beach. 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 Long Beach. 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 Long Beach 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 Long Beach: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Long Beach buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Long Beach. 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 Long Beach 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 Long Beach 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 Long Beach properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Long Beach 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 Long Beach 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 Long Beach families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Long Beach. 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 Long Beach. 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 Long Beach'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 2026 FHA loan limit for Long Beach (Los Angeles County) is $1.21M for a single-family home. This is a high-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
It depends on the property. Long Beach's median home price is $895K, while the conforming loan limit is $1.25M. Properties above the limit require jumbo financing, while those under it can use conventional, FHA, or VA loans.
The 2026 Los Angeles County loan limits are: FHA: $1.21M, VA: $1.25M, Conventional: $1.25M. Any loan amount above $1.25M is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Long Beach with $0 down payment. The 2026 VA loan limit for Los Angeles County is $1.25M. For properties above this amount, you can still use a VA loan but will need a down payment on the amount exceeding the limit.
We provide same-day pre-approvals for most loan programs. Full loan approval and closing typically takes 21-30 days for conventional and jumbo loans, and 30-45 days for FHA and VA loans.
Down payment requirements vary by loan type: Conventional: 5-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For Long Beach's median price of $895K, most buyers put down 15-20%.
Minimum credit scores vary by loan type: FHA: 580, Conventional: 620, VA: typically 620, Jumbo: 680-700+. Higher credit scores qualify for better interest rates.
Look for a lender with California experience, strong communication, competitive rates, and the ability to close on time. We've been serving California homebuyers for 40+ years with senior loan officers who specialize in complex scenarios.
Fill out the form below and we'll reach out to discuss your Long Beach mortgage options.
We respond within 24 hours
