Licensed California mortgage broker with loan programs specialized to your unique situation. Purchase loans, refinancing, FHA, VA, jumbo, commercial, construction, down payment assistance, and more across every Marin community.
Schedule a quick 15-minute call and we'll match you to the right program for your Marin County purchase.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Marin County buyers across 11 cities, we match your unique situation to the right program.
Marin County buyers face unique financing challenges in one of California's most expensive markets.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Marin County 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 Marin County home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Marin County starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Marin County 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 Marin County 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.
| Loan Type | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Conventional | $1,249,125 $1.25M | $1,598,880 $1.60M | $1,932,396 $1.93M | $2,402,067 $2.40M |
| FHA | $1,249,125 $1.25M | $1,598,880 $1.60M | $1,932,396 $1.93M | $2,402,067 $2.40M |
Limits effective January 1, 2026. VA loans have no county limit for qualified veterans.
Calculate your monthly payment, affordability, and closing costs with Marin County-specific property tax rates and loan limits. Get accurate estimates before you start shopping.
Common questions from Marin County 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. Marin County's competitive market often requires quick approvals—we work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents include: pay stubs (30 days), W-2s (2 years), tax returns (2 years), bank statements (2 months), and photo ID. Self-employed Marin County borrowers can use bank statement programs requiring 12-24 months of deposits instead of tax returns. Asset-based qualification is available for high-net-worth buyers.
Typical Marin County closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. In competitive situations, we offer expedited underwriting for well-qualified borrowers who need faster closings.
In Marin County's $1.5M market, most buyers put 15-20% down to secure competitive jumbo rates and avoid PMI. Some jumbo programs allow 10% down with strong credit (720+) and 12+ months reserves. Conventional loans under $1,249,125 can go as low as 3-5% down.
PMI applies to conventional loans under 20% down. Options to avoid it: put 20% down, use an 80-10-10 piggyback structure (80% first mortgage, 10% second, 10% down), or choose lender-paid PMI (slightly higher rate). For jumbo loans, many programs don't require PMI even with 10-15% down.
2026 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. With Marin County's $1.5M median price, many single-family purchases require jumbo financing.
Jumbo loans (above $1,249,125) in Marin County typically require: 680-720+ credit score, 10-20% down payment, 6-12 months cash reserves after closing, and comprehensive income documentation. Rates are competitive with conforming loans. Our Senior Loan Officers specialize in jumbo underwriting for Marin County's high-value properties.
Yes. DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income, not your personal income or tax returns. Marin County's strong rental market makes DSCR loans attractive. The property just needs rent covering 1.0x the mortgage payment. Requires 20-25% down and 680+ credit.
A denial doesn't mean you can't buy in Marin County. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Self-employed borrowers denied by big banks often qualify through our bank statement and asset-based programs.
Jumbo loans in Marin County typically require 700+ credit scores, with the best rates at 740+. We have select jumbo programs starting at 680 with compensating factors. Conforming loans start at 620, and FHA accepts 580+ (or 500 with 10% down).
Absolutely. Over 40% of our Marin County clients are self-employed. We offer bank statement loans (12-24 months deposits), P&L-only programs, and asset depletion loans for high-net-worth buyers. Our team specializes in complex income verification that big banks can't handle.
Yes. We work with lenders who understand tech and executive compensation in Marin County. RSUs and stock options can be used with a 2-year vesting history. Bonus income requires 2 years of history. We can also use unvested RSUs as reserves for jumbo qualification.
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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Marin County typically run 1.5-2.5% of the purchase price. On a $1.5M home, expect $20,000-$40,000 covering appraisal, title insurance, escrow fees, loan origination, and prepaid taxes/insurance. Jumbo loans may have slightly higher fees.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. Marin County's competitive market often requires quick approvals—we work with lenders offering express underwriting for strong borrowers who need faster closings.
In Marin County's $1.5M market, most buyers put 15-20% down to secure competitive jumbo rates and avoid PMI. Some jumbo programs allow 10% down with strong credit (720+) and 12+ months reserves. Conventional loans under $1,249,125 can go as low as 3-5% down.
A denial doesn't mean you can't buy in Marin County. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Self-employed borrowers denied by big banks often qualify through our bank statement and asset-based programs.
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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Marin County typically run 1.5-2.5% of the purchase price. On a $1.5M home, expect $20,000-$40,000 covering appraisal, title insurance, escrow fees, loan origination, and prepaid taxes/insurance. Jumbo loans may have slightly higher fees.
Standard documents include: pay stubs (30 days), W-2s (2 years), tax returns (2 years), bank statements (2 months), and photo ID. Self-employed Marin County borrowers can use bank statement programs requiring 12-24 months of deposits instead of tax returns. Asset-based qualification is available for high-net-worth buyers.
Typical Marin County closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. In competitive situations, we offer expedited underwriting for well-qualified borrowers who need faster closings.
Jumbo loans in Marin County typically require 700+ credit scores, with the best rates at 740+. We have select jumbo programs starting at 680 with compensating factors. Conforming loans start at 620, and FHA accepts 580+ (or 500 with 10% down).
2026 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. With Marin County's $1.5M median price, many single-family purchases require jumbo financing.
Jumbo loans (above $1,249,125) in Marin County typically require: 680-720+ credit score, 10-20% down payment, 6-12 months cash reserves after closing, and comprehensive income documentation. Rates are competitive with conforming loans. Our Senior Loan Officers specialize in jumbo underwriting for Marin County's high-value properties.
Absolutely. Over 40% of our Marin County clients are self-employed. We offer bank statement loans (12-24 months deposits), P&L-only programs, and asset depletion loans for high-net-worth buyers. Our team specializes in complex income verification that big banks can't handle.
Yes. DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income, not your personal income or tax returns. Marin County's strong rental market makes DSCR loans attractive. The property just needs rent covering 1.0x the mortgage payment. Requires 20-25% down and 680+ credit.
Yes. We work with lenders who understand tech and executive compensation in Marin County. RSUs and stock options can be used with a 2-year vesting history. Bonus income requires 2 years of history. We can also use unvested RSUs as reserves for jumbo qualification.
PMI applies to conventional loans under 20% down. Options to avoid it: put 20% down, use an 80-10-10 piggyback structure (80% first mortgage, 10% second, 10% down), or choose lender-paid PMI (slightly higher rate). For jumbo loans, many programs don't require PMI even with 10-15% down.
Marin County is designated as a high-cost area with 2026 limits of $1.25M for single-family homes, $1.6M for 2-units, $1.93M for 3-units, and $2.4M for 4-units. FHA limits match these amounts. VA loans have no limit with full entitlement.
We serve all 11 incorporated cities: San Rafael, Novato, Mill Valley, Sausalito, Tiburon, Corte Madera, San Anselmo, Larkspur, Fairfax, Ross, and Belvedere. Each city has a dedicated mortgage page with local market insights.
It depends on the city. Novato and Fairfax have medians near the $1.25M limit where conforming loans work. But Mill Valley ($2.3M), Tiburon ($2.8M), Ross ($4.5M), and Belvedere ($4.2M) require jumbo financing for most purchases.
CalHFA offers down payment assistance for qualifying buyers. Our 100% grant program covers the entire down payment with no repayment required. Non-occupant co-borrower options help buyers qualify with family support. Income limits apply to some programs.
Southern Marin (Mill Valley, Tiburon, Sausalito, Belvedere) features luxury waterfront homes with SF views and medians from $1.8M to $4.5M. North Marin (Novato) offers more accessible pricing around $1.05M with excellent schools and more space.
Yes. Veterans can purchase anywhere in Marin County with $0 down payment and no loan limit with full VA entitlement. This makes VA loans particularly valuable for high-priced markets like Ross, Tiburon, and Mill Valley.
Marin County is located in California’s Bay Area region. With 258,826 residents across multiple communities, the county offers diverse housing options from luxury waterfront with sf views to more affordable with good schools.
As a federally designated high-cost area, Marin County provides significant advantages for homebuyers through elevated loan limits up to $1.2M for conforming mortgages. This means many homes that would require jumbo financing elsewhere can be purchased with conventional loans featuring better rates and terms.
The county’s economy is powered by Technology and professional services, Healthcare, Tourism (national parks), providing stable employment and supporting continued housing demand.
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