Mortgage broker serving Lynwood, 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 Lynwood buyers, we match your unique situation to the right program.
Lynwood buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Lynwood 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 Lynwood home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Lynwood starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Lynwood 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 Lynwood 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 Lynwood 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 Lynwood buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Lynwood. Low down payment gets you into most properties here.
$0 down for Lynwood veterans. VA loans cover all properties with no PMI required.
Lynwood business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Lynwood. State assistance helps with down payment and closing costs.
Premium Lynwood homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Lynwood sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Lynwood investors. Buy rentals in entity names.
Conforming refinance for Lynwood homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Lynwood. Easiest way to lower your existing FHA rate.
VA streamline refi for Lynwood veterans. Fastest way to reduce your mortgage payment.
Turn Lynwood home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Lynwood homeowners. Access equity without replacing first mortgage.
Lynwood owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Lynwood investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Lynwood projects. Short-term financing for value-add investments.
Multifamily options for Lynwood investors. Finance apartment buildings with commercial loans.
Lynwood 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 Lynwood buyers with qualifying income.
CalHFA programs popular in Lynwood. State assistance helps with down payment and closing costs.
Lynwood has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Lynwood buyers. Down payment assistance with no repayment.
Lynwood family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Lynwood 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
Lynwood sits in the heart of South LA County, right between Compton and South Gate. Population is 66,346, median household income $67,350. The homeownership rate here is 49.4%, which tells you this is still a rental-heavy market, but that's changing as more families lock in mortgages instead of paying rising rents. At $709,500 median home price, you're looking at real money, but here's the thing: you're 26 minutes from downtown LA and 19 minutes from Long Beach. That proximity is what keeps prices sticky even when rates climb.
If you've got kids, you're dealing with Lynwood Unified School District. Lynwood High and Firebaugh High serve most families here, and while the ratings aren't top-tier, the district has been investing in improvements that matter for long-term property values. The truth is, families buying here aren't chasing a 10-rated school - they're chasing affordability within striking distance of LA jobs. When you're comparing this to what $709K buys you in Torrance or Redondo Beach, the value equation starts making sense. The district's stability matters because it affects resale down the road, and with that 49.4% ownership rate creeping up, more families are putting down roots instead of renting year to year.
Central Lynwood is where most of the housing stock sits, running around $710K for single-family homes. You're looking at older residential areas, mostly post-war construction, smaller lots but actual houses with yards. FHA loans are common here because you've got first-time buyers and families upgrading from rentals who don't have 20% down sitting around. The historic core means you're near Lynwood City Hall and the main civic areas, which keeps you connected to services and transit. Properties here tend to be 2-4 bedroom homes that work for growing families, and the pricing reflects what working households can actually qualify for with today's loan products. Don't expect new construction or modern finishes at this price point, but you're getting real equity in a location that won't require a two-hour commute.
The commute situation is what makes Lynwood pencil out for a lot of buyers. You're 26 minutes to downtown LA, 27 minutes to Santa Monica, 19 minutes to Long Beach, 39 minutes to Irvine. That's the kind of access that costs $1.2M in other parts of LA County. Local transit is available, which matters if you're a one-car household trying to keep your debt-to-income ratio in check for loan approval. The location puts you at the center of South LA's job markets without the price tag of coastal cities. If you work in Long Beach or central LA, you're saving an hour a day compared to Inland Empire commuters, and that time matters when you're weighing where to buy.
Lynwood Unified School District is the biggest employer, followed by the City of Lynwood and St. Francis Medical Center. That mix of public sector and healthcare gives the local economy some stability, which lenders like to see when you're applying for a mortgage. But real talk, most buyers here work elsewhere in LA County - the job market is regional, not hyperlocal. The advantage is you're positioned to access jobs in Long Beach, downtown LA, even Orange County without destroying your quality of life in traffic. Plaza Mexico brings retail and shopping to the area, and the commercial corridor along Long Beach Boulevard keeps some economic activity local. The employment picture isn't going to wow anyone, but it's steady, and steady matters when you're making a 30-year commitment.
Common questions from Lynwood 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 Lynwood 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 Lynwood: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lynwood buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Lynwood 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 Lynwood 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 Lynwood 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 Lynwood properties fall within conforming limits, maximizing your financing options.
For Lynwood'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 Lynwood. 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 Lynwood. 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 Lynwood. 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 Lynwood 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 Lynwood: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Lynwood buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Lynwood. 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 Lynwood 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 Lynwood 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 Lynwood properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Lynwood 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 Lynwood 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 Lynwood families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Lynwood. 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 Lynwood. 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 Lynwood'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 Lynwood is $1,250,000 for 2025, which covers most homes in the area since the median price is around $710,000. This high limit makes FHA loans a competitive option for first. time buyers who want low down payment financing. You can purchase a typical Lynwood home with just 3.5% down if your credit score is 580 or higher.
Most Lynwood buyers don't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $710,000. You'll only need a jumbo loan if you're buying a home priced above $1.25 million, which represents a small portion of the market. Conventional, FHA, and VA loans will cover the vast majority of homes available in Lynwood.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Lynwood and all other cities in the county. The higher limits reflect the elevated housing costs throughout the Los Angeles area and give buyers more financing options without going jumbo.
Yes, VA loans are highly competitive in Lynwood with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. With the median home price at $710,000, most properties are well within VA loan limits. VA loans also don't require mortgage insurance, which can save you hundreds of dollars monthly compared to other low down payment options.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Lynwood's $600K. $900K market. You can also explore CalHFA programs that provide down payment and closing cost assistance with various income limits, as well as Los Angeles County programs designed for first. time buyers. With the median household income at $67,350, many Lynwood buyers qualify for multiple assistance options.
Down payments in Lynwood vary by loan type: FHA requires 3.5%, conventional loans need as little as 3% for first. time buyers or 5% for others, and VA loans require $0 down for eligible veterans. On a $710,000 home, that's between $0 and $35,500 depending on your loan program. Many buyers also use down payment assistance to reduce their upfront costs even further.
Most Lynwood buyers can qualify with a credit score of 580 for FHA loans (3.5% down) or 620 for conventional loans, though better rates typically start around 640. VA loans are also available to eligible veterans with scores as low as 580. If your score is below 620, focusing on FHA financing gives you the best path to homeownership in Lynwood's middle market.
Choose a lender experienced with Lynwood's $600K. $900K market who can compare conforming, FHA, and VA options side by side for your situation. Look for transparent communication about rates, fees, and down payment assistance programs that fit your income level. The right lender will help you understand which loan type saves you the most money both upfront and over time, especially important in a balanced market like Lynwood.
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