Mortgage broker serving Marysville, 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 Marysville buyers, we match your unique situation to the right program.
Marysville offers entry into California homeownership with the right financing strategy.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Marysville 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 Marysville home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Marysville starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Marysville 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 Marysville 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 Marysville 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 Marysville buyers, income-qualified |
| Conventional | 3% | 620+ | Good credit, faster closing than FHA |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates Marysville purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Marysville. State programs reduce out-of-pocket costs significantly.
Veterans buy Marysville homes with $0 down. Full VA benefits cover all properties here.
Many Marysville properties qualify for USDA zero-down loans. Rural designation required.
All Marysville properties qualify for conforming loans. 3% down minimum for first-time buyers.
Marysville local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Marysville homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Marysville. Investors can purchase in entity names.
FHA streamline dominates Marysville refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Marysville veterans. No paperwork hassles, quick closing.
Many Marysville homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Marysville refinance qualifies for conforming rates. Best terms for rate reduction.
Marysville owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Marysville. Predictable payments for major expenses.
DSCR financing for Marysville investors. Buy rentals based on property income potential.
Fix-and-flip financing for Marysville investors. Buy distressed properties, renovate, sell.
Commercial hard money in Marysville. Quick funding when timing is critical.
Multifamily loans available for Marysville apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Marysville buyers with qualifying income.
CalHFA is a strong option for Marysville. State programs reduce out-of-pocket costs significantly.
Marysville local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Marysville down payment help. Free money for qualified buyers.
Many Marysville properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Marysville benefit from gift of equity. No cash down payment needed.
Marysville first-time buyers often use co-borrowers. Family help for 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
Marysville sits at the confluence of the Yuba and Feather Rivers, about an hour north of [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca). Population is 12,681, median household income $52,012. The homeownership rate here is 40.1%, which is low for California, and that tells you something about the local economy. At $310K median home price, you're looking at one of the most affordable entry points in Northern California, but that lower ownership rate means more renters and investors in the mix. For a household earning around $50K, you'll need FHA or other low down payment options to make the numbers work here.
If you're buying with kids in mind, the school picture matters for resale down the line. Marysville High is the main public option, and you've got Yuba County Career Preparatory Charter School for vocational tracks and Marysville Charter Academy for the Arts if your kid leans creative. The schools aren't pulling top ratings statewide, but they're stable and serve the community. Here's the thing though - that 40% ownership rate means fewer families are putting down roots compared to other California towns. When you're thinking about appreciation and neighborhood stability, you want to see more owners than renters. The lower ownership here can affect how fast your equity builds and how easy it is to sell when you need to move.
The market here is pretty tight on inventory, so your choices come down to a couple main areas. Downtown and the Historic District run around $310K, with older homes near the rivers and the central business district. You're looking at properties that need work in many cases, which makes FHA 203k rehab loans worth considering if you can handle a project. East Marysville hits that same $310K median, mostly single-family homes in residential blocks. The pricing is consistent across town because the market is small and compressed. FHA loans are common here since many buyers are stretching to afford even these lower prices on modest incomes. Conventional loans work if you've got 5-10% down and decent credit, but a lot of first-time buyers end up going FHA with 3.5% down to get in the door.
Real talk, Marysville isn't a commuter town for the Bay Area. San Francisco is 125 minutes away on a good day, which is brutal for a daily drive. You're not buying here to commute to SF unless you work remotely most days. The town has local transit, but most people drive for everything. The affordability here comes partly from isolation. You're an hour from Sacramento, which is doable if you work in the state capital or surrounding areas. If your job is local in Yuba County, the low home prices make sense. If you're planning to commute long distances regularly, think hard about whether the savings on your mortgage payment are worth the gas and time.
The local economy runs on public sector and healthcare jobs. Yuba County government is a major employer, along with Marysville Joint Unified School District. Rideout Memorial Hospital under Adventist Health provides healthcare jobs. Beale Air Force Base sits nearby and employs a lot of people regionally, which brings some stability to the area. The job mix here is pretty limited compared to bigger cities, and that shows up in the median income and ownership rate. Most buyers working at Beale or in county government can qualify for conventional loans if they've got decent credit and some savings. But if you're earning closer to that $52K median, you'll likely need FHA or down payment assistance to make a $310K home work on your budget.
Common questions from Marysville 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 Marysville 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 Marysville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Marysville buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Marysville 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 Marysville 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 Marysville families purchase with minimal upfront cash.
2026 Yuba County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Marysville properties fall within conforming limits, maximizing your financing options.
For Marysville'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 Marysville. 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 Marysville. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yuba County, and structure your purchase to minimize upfront costs.
You still have options in Marysville. 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 Yuba County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Marysville 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 Marysville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Marysville buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Marysville. 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 Yuba County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Marysville 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 Marysville 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 Yuba County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Marysville properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Marysville 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 Marysville 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 Marysville families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Marysville. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yuba County, and structure your purchase to minimize upfront costs.
You still have options in Marysville. 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 Marysville'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 Marysville is $541,000 for 2026. Since most homes in Marysville range from $300K to $450K, FHA loans work perfectly for the local market and you won't bump up against this limit.
You won't need a jumbo loan in Marysville. With a median home price of $310,000 and most homes under $450K, you'll stay well below the conforming loan limit of $833,000.
For 2026, Yuba County loan limits are $541,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits cover all homes in the Marysville market comfortably.
Yes, VA loans are available in Marysville with a loan limit of $833,000. If you're a qualified veteran or active military, VA loans offer 0% down and no mortgage insurance, making them an excellent option for the local market.
Our No Money Down program offers $0 down payment for qualified buyers. CalHFA programs are also popular here, providing down payment and closing cost assistance for first. time buyers. Some areas of Yuba County may qualify for USDA loans with zero down, and local county programs can help with additional costs.
You can buy a Marysville home with as little as 3.5% down using an FHA loan, which is about $10,850 on a $310,000 home. With down payment assistance programs widely available here, many first. time buyers put down even less or nothing at all.
You can qualify for an FHA loan in Marysville with a credit score as low as 580, or even lower in some cases with compensating factors. Conventional loans typically require a 620 minimum, but the FHA option makes homeownership accessible for most buyers here.
Look for a lender experienced with FHA loans and down payment assistance programs, since these are crucial in Marysville's entry. level market. You'll want someone who understands CalHFA, local DPA options, and can guide first. time buyers through the process with patience and clarity.
Fill out the form below and we'll reach out to discuss your Marysville mortgage options.
We respond within 24 hours
