Mortgage broker serving Maricopa, 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 Maricopa buyers, we match your unique situation to the right program.
Maricopa's prices make homeownership achievable with the right loan program.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Maricopa 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 Maricopa home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Maricopa starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Maricopa 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 Maricopa 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 Maricopa 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 |
| FHA | 3.5% minimum | 580+ | First-time buyers, lower credit. Limit: $832,750 |
| VA | $0 | No minimum | Veterans, active military - best 0% down option |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time Maricopa buyers, income-qualified |
Questions? Call (510) 589-4096 or email info@agoodlender.com
USDA loans are ideal for Maricopa. Zero down payment for rural properties. Income limits apply.
Most Maricopa buyers use FHA. 3.5% down payment with 580+ credit. Easiest path to homeownership.
CalHFA plus local DPA can cover full down payment in Maricopa. Stack programs for maximum assistance.
VA loans are perfect for Maricopa. Zero down, no PMI, and every property qualifies.
Maximum local DPA available in Maricopa. Combine city, county, and state programs.
Every Maricopa home qualifies for conforming financing. Best rates with good credit.
Bridge loans help Maricopa owners transition between homes. Short-term gap financing.
Maricopa investors use LLC financing. Entity ownership for asset protection.
USDA streamline refinance for Maricopa. Lower your rate with minimal paperwork.
Most Maricopa refinances use FHA streamline. No appraisal, no income docs, fast closing.
Maricopa veterans should use VA IRRRL. Streamline your refinance with zero hassle.
Conforming refinance rates for all Maricopa properties. Straightforward rate-and-term refi.
Cash-out refinance available for Maricopa homeowners. Convert equity to cash for any need.
Home equity loans available in Maricopa. Fixed rate second mortgage against equity.
Investment properties in Maricopa use DSCR loans. Rental income drives qualification.
Rehab loans available in Maricopa. Fix-and-flip financing covers purchase plus renovation.
Hard money available for Maricopa deals. Fast closing for investment properties.
Maricopa apartment buildings use multifamily financing. Commercial loan programs available.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Maricopa buyers with qualifying income.
USDA loans are ideal for Maricopa. Zero down payment for rural properties. Income limits apply.
CalHFA plus local DPA can cover full down payment in Maricopa. Stack programs for maximum assistance.
Maximum local DPA available in Maricopa. Combine city, county, and state programs.
Maximum grant assistance for Maricopa. Elite and local programs reduce buyer costs.
Gift of equity works for Maricopa family sales. Seller discount becomes buyer's down payment.
Co-borrower option for Maricopa buyers. Family member can help you qualify.
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
Maricopa sits in the southern San Joaquin Valley about 50 miles west of Bakersfield. Population is just 1,217, median household income $45,685. The homeownership rate is 54.9%, right around the state average, but here's what matters: at $148K median home price, this is one of the most affordable towns left in California where you can actually buy a house on a modest income. We're talking oil country, agricultural land, and real small-town living where your mortgage payment won't crush you.
The school options are limited because of the town size, but that's part of the trade-off for affordability. Maricopa Elementary pulls a 6 rating, and high schoolers head to Taft Union High which scores a 7. Not bad for a rural district. If you're buying here with kids, you're prioritizing low housing costs and space over having ten school choices. The small district means your kids won't get lost in the system, and the community feel is real. For families stretching to buy their first home, saving $1,500 a month on your mortgage versus living in Bakersfield proper might matter more than school ratings in the 9-10 range.
Where you buy in Maricopa directly affects your down payment and loan options. Downtown Maricopa runs $120K-$180K, older homes on tree-lined streets with character, and FHA loans work great here for buyers with smaller down payments. North Maricopa goes $130K-$200K, newer builds on bigger lots that attract families, and conventional loans are common if you've got decent credit. Sunset District is your entry point at $100K-$160K, starter homes near the oil operations, and this is where first-time buyers using FHA or even USDA loans if they qualify can get in the game. The whole town is affordable, but Sunset District is where you can buy a house for what most Californians pay in annual rent.
The commute to Bakersfield is about 48 minutes, which isn't terrible if you work in Kern County's main hub. Fresno is 136 minutes, so that's really only viable if you work remotely. There's no freeway running through town, which is part of why it stays cheap. Local transit exists but you'll want a vehicle. The truth is, most people who buy here either work in the oil fields, agriculture, or locally in town. If you're commuting daily to Bakersfield, you're trading 90 minutes of your day for a mortgage payment that's half what you'd pay closer in.
This is oil and ag country, plain and simple. Chevron, California Resources Corporation, and Aera Energy are the big employers tied to the Midway-Sunset Oil Field, one of the largest in the state. Maricopa Unified School District provides steady public sector work. The Wonderful Company runs agricultural operations out here, along with various local farming outfits. If you work in energy or agriculture, buying in Maricopa makes sense because you're close to the jobs and your housing costs stay low. The job base is stable but not diverse, so if the oil industry takes a hit, the local economy feels it. That's reflected in home prices staying affordable, which is good news if you're trying to qualify for a mortgage on a $45K household income.
Common questions from Maricopa 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 Maricopa 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 Maricopa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Maricopa buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Maricopa 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 Maricopa 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 Maricopa families purchase with minimal upfront cash.
2026 Kern County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Maricopa properties fall within conforming limits, maximizing your financing options.
For Maricopa'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 Maricopa. 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 Maricopa. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Kern County, and structure your purchase to minimize upfront costs.
You still have options in Maricopa. 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 Kern County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Maricopa 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 Maricopa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Maricopa buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Maricopa. 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 Kern County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Maricopa 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 Maricopa 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 Kern County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Maricopa properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Maricopa 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 Maricopa 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 Maricopa families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Maricopa. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Kern County, and structure your purchase to minimize upfront costs.
You still have options in Maricopa. 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 Maricopa'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 Maricopa is $541,000 for 2026. This is well above the median home price of $148,000, so FHA loans will cover any home you're likely to purchase in the area. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
You won't need a jumbo loan in Maricopa. With a median home price of $148,000 and conforming loan limits at $833,000, virtually all homes here fall well within conventional loan limits. Even higher. priced properties in the area will qualify for standard financing options.
For 2026, Kern County's loan limits are $541,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits easily accommodate Maricopa's affordable housing market where most homes are priced under $300,000.
Yes, VA loans are available in Maricopa with a loan limit of $833,000 for 2026. If you're a qualified veteran or active. duty service member, VA loans offer 0% down payment with no mortgage insurance, making them an excellent option for the area's affordable homes.
Our No Money Down program offers $0 down payment for qualified buyers in Maricopa. USDA loans are particularly strong here since Maricopa qualifies as a rural area, offering zero down for eligible buyers. CalHFA programs and Kern County housing assistance can also help with down payments and closing costs for first. time and low. to. moderate income buyers.
You can buy a home in Maricopa with as little as $0 down through USDA or VA loans. FHA loans require just 3.5% down (about $5,180 on a $148,000 home), while conventional loans typically need 3. 5% down. With median prices around $148,000, down payments here are very manageable compared to other California markets.
You can qualify for a home in Maricopa with a credit score as low as 580 for FHA loans or 640 for USDA loans. Conventional loans typically require 620 or higher, while VA loans can sometimes approve scores in the 580. 600 range. Given the area's affordable prices, many first. time buyers successfully qualify even with modest credit histories.
Choose a lender experienced with USDA and rural financing programs, as these are often the best options in Maricopa's market. Look for someone who understands Kern County's affordable housing landscape and can help you navigate down payment assistance programs. A local lender familiar with the area's typical $148,000 price point will provide better guidance than one focused on expensive coastal markets.
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