Mortgage broker serving Loomis, 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 Loomis buyers, we match your unique situation to the right program.
The Loomis market rewards buyers with verified financing and competitive loan terms.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Loomis 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 Loomis home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Loomis starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Loomis 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 Loomis 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 Loomis 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 Loomis buyers. Most homes under $833K with competitive rates.
Strong FHA option in Loomis. Low down payment gets you into most properties here.
$0 down for Loomis veterans. VA loans cover all properties with no PMI required.
Loomis business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Loomis. State assistance helps with down payment and closing costs.
Premium Loomis homes over $833K require jumbo loans. Less common but available for luxury properties.
Loomis sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Loomis investors. Buy rentals in entity names.
Conforming refinance for Loomis homeowners. Best rates for loans under $833K.
FHA streamline refinance for Loomis. Easiest way to lower your existing FHA rate.
VA streamline refi for Loomis veterans. Fastest way to reduce your mortgage payment.
Turn Loomis home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Loomis homeowners. Access equity without replacing first mortgage.
Loomis owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Loomis investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Loomis projects. Short-term financing for value-add investments.
Multifamily options for Loomis investors. Finance apartment buildings with commercial loans.
Loomis 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 Loomis buyers with qualifying income.
CalHFA programs popular in Loomis. State assistance helps with down payment and closing costs.
Loomis has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Loomis buyers. Down payment assistance with no repayment.
Loomis family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Loomis 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
Loomis sits in Placer County between Roseville and Auburn, about 28 minutes from Sacramento. Population is just 6,831, median household income $100,159. The homeownership rate here is 86.1%, one of the highest you'll find anywhere in California. At $627K median home price, you're paying a premium compared to nearby Roseville or Rocklin, but buyers here are choosing small-town character and bigger lots over suburban density. Most households earning six figures can qualify for conventional financing on properties in this range, and the stable ownership rate means people aren't flipping houses every few years.
If you've got kids, the school setup here is straightforward and well-regarded. Del Oro High School serves the area and consistently pulls strong ratings. Loomis Grammar School and Franklin Elementary handle the younger grades, and parents tend to be involved since this is a small community where everyone knows the teachers. The high ownership rate means your neighbors are invested long-term, which translates to stable school funding and property values that hold up during market dips. When you're looking at a $627K purchase, knowing the schools won't be a reason to move in five years matters for your return on investment.
Here's the thing about Loomis: you're not getting tract home subdivisions with HOA dues and tiny yards. Historic Downtown runs around $627K for properties near the original town center, where you'll find old buildings from when this was fruit-packing country and a real main street feel. Loomis Basin is where you go for acreage and that rural character people move here for, also around $627K but you're getting land, not just a house. Conventional loans work fine for most properties here since you're above FHA limits and buyers typically have the income and down payment to avoid PMI. If you're looking at larger parcels in the Basin, some lenders treat those differently depending on whether there's agricultural use, so talk to your loan officer about how acreage affects your financing options.
The commute to Sacramento takes about 28 minutes, Roseville is 10 minutes down the road. You're close enough to major job centers that you're not sacrificing career options, but far enough out that you get space and quiet. Interstate 80 is your main artery, running through nearby Rocklin and Auburn. Most people here drive because public transit exists but it's limited compared to what you'd find in Sacramento proper. The short commute times are part of why Loomis holds value even when prices climb. You're not trading hours of your day for affordability like you would in more distant suburbs.
Placer County is the largest employer in the area, which gives you that public sector stability. The Placer Union High School District, including Del Oro High, employs a good number of residents. Beyond that, you're looking at local retail and what's left of the agricultural businesses that built this town. Real talk: most buyers here either work remotely or commute to Roseville, Rocklin, or Sacramento for higher-paying jobs. The median household income of $100K tells you this isn't where people work at the local grocery store and buy homes. You need solid income to qualify for a $627K mortgage, and most buyers are bringing dual incomes or established careers to the table.
Common questions from Loomis 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 Loomis 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 Loomis: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Loomis buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Loomis 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 Loomis 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 Loomis families purchase with minimal upfront cash.
2026 Placer County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Loomis properties fall within conforming limits, maximizing your financing options.
For Loomis'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 Loomis. 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 Loomis. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Placer County, and structure your purchase to minimize upfront costs.
You still have options in Loomis. 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 Placer County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Loomis 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 Loomis: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Loomis buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Loomis. 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 Placer County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Loomis 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 Loomis 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 Placer County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Loomis properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Loomis 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 Loomis 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 Loomis families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Loomis. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Placer County, and structure your purchase to minimize upfront costs.
You still have options in Loomis. 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 Loomis'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 Loomis is $765,000 for 2025. This covers most homes in the area since the median home price is around $627,000, making FHA loans a competitive option for many buyers here.
Most buyers in Loomis don't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $627,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of the local market.
For 2025, Placer County loan limits are $833,000 for conforming loans, $765,000 for FHA loans, and $833,000 for VA loans. These limits are typically announced in November for the following year, so 2026 limits aren't available yet but may adjust based on home price trends.
Yes, VA loans are very competitive in Loomis with a loan limit of $833,000, which covers the vast majority of homes in the area. If you're a qualified veteran or active military, you can purchase most Loomis homes with $0 down and no mortgage insurance.
Our No Money Down program offers $0 down payment for qualified buyers in Loomis. You can also explore CalHFA programs and Placer County housing assistance, which provide down payment and closing cost help for first. time and move. up buyers in this price range.
Down payment requirements in Loomis vary by loan type. Conventional loans typically require 3. 5% down ($18,800. $31,350 on a $627,000 home), while FHA loans need 3.5% ($21,945), and VA or USDA loans offer $0 down for qualified buyers.
Most lenders require a minimum credit score of 620 for conventional loans in Loomis, while FHA loans can go as low as 580 (or even 500 with 10% down). With the area's median home price around $627,000, having a score above 680 will help you secure better rates and terms.
Look for a lender experienced with Loomis's balanced market who can offer multiple loan options including conventional, FHA, and VA products. Compare rates, fees, and closing timelines, and choose someone who understands Placer County programs and can guide you through the competitive $600K. $900K price range typical here.
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