Mortgage broker serving McFarland, 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 McFarland buyers, we match your unique situation to the right program.
McFarland provides attainable homeownership, but buyers face specific financing challenges.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your McFarland 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 McFarland home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in McFarland starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for McFarland 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 McFarland 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 McFarland 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 McFarland buyers, income-qualified |
| Conventional | 3% | 620+ | Good credit, faster closing than FHA |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates McFarland purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for McFarland. State programs reduce out-of-pocket costs significantly.
Veterans buy McFarland homes with $0 down. Full VA benefits cover all properties here.
Many McFarland properties qualify for USDA zero-down loans. Rural designation required.
All McFarland properties qualify for conforming loans. 3% down minimum for first-time buyers.
McFarland local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for McFarland homeowners moving. Buy your next home without waiting to sell.
LLC financing available in McFarland. Investors can purchase in entity names.
FHA streamline dominates McFarland refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for McFarland veterans. No paperwork hassles, quick closing.
Many McFarland homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every McFarland refinance qualifies for conforming rates. Best terms for rate reduction.
McFarland owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in McFarland. Predictable payments for major expenses.
DSCR financing for McFarland investors. Buy rentals based on property income potential.
Fix-and-flip financing for McFarland investors. Buy distressed properties, renovate, sell.
Commercial hard money in McFarland. Quick funding when timing is critical.
Multifamily loans available for McFarland 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 McFarland buyers with qualifying income.
CalHFA is a strong option for McFarland. State programs reduce out-of-pocket costs significantly.
McFarland local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide McFarland down payment help. Free money for qualified buyers.
Many McFarland properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in McFarland benefit from gift of equity. No cash down payment needed.
McFarland 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
McFarland sits in Kern County's agricultural heartland, about 25 miles north of Bakersfield in the Central Valley. Population is 13,971, median household income $42,641. The homeownership rate here is 54.6%, right in the middle for California. At $340K median home price, this is one of the most affordable entry points in the state where a household earning in the low-to-mid $40K range can still qualify for a mortgage with the right loan program. This is working-class California where homeownership is still within reach.
The school district is the backbone of this community, both for education and employment. McFarland High School is famous for that cross country program they made the movie about, and that pride still runs through the town. You've got McFarland Middle School plus Browning Road Elementary and Kern Avenue Elementary serving the younger kids. The district isn't pulling top test scores compared to coastal California, but families here are invested in the community. When you're looking at a $340K home on a $42K income, you need every advantage, and FHA loans with 3.5% down are common here for exactly that reason.
McFarland doesn't have the sprawling subdivision variety you'll find in bigger Central Valley cities. Downtown McFarland runs around $340K and covers most of the residential market, with homes clustered around the main commercial streets where local businesses operate. You're looking at older single-family homes, many from the mid-century era, on modest lots. FHA and USDA loans both see action here since the area qualifies for rural development programs despite being an incorporated city. The housing stock is straightforward, no frills, which keeps prices manageable. If you need move-in ready, you'll pay toward the higher end of that range, but fixer-uppers can dip below $300K and qualify for FHA 203k renovation loans.
The commute to Bakersfield runs about 29 minutes via Highway 99, which is the main economic lifeline for this area. Fresno is 78 minutes north if you're looking at job opportunities in the bigger Central Valley markets. There's local transit, but real talk, you'll need a car here. Most people either work in McFarland itself, commute to Bakersfield, or work in agriculture within a short drive. That Bakersfield commute is manageable enough that you can work there and still come home to a mortgage payment that's $200-300 less per month than buying closer in. The drive is what keeps McFarland affordable.
Agriculture drives everything here. McFarland Unified School District is the largest single employer, which gives you stable public sector jobs with benefits. The rest of the economy runs on farming operations and food processing facilities that handle the crops grown in surrounding fields. Kern County government services provide additional public sector work. The job market isn't diverse like you'd find in a metro area, but it's steady. If you're working in ag or food processing, living here makes sense because you're close to work and can actually afford to buy. The income levels are lower than state average, but so are the home prices, and that's the whole equation when you're trying to qualify for a mortgage.
Common questions from McFarland 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 McFarland 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 McFarland: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many McFarland buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified McFarland 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 McFarland 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 McFarland 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 McFarland properties fall within conforming limits, maximizing your financing options.
For McFarland'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 McFarland. 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 McFarland. 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 McFarland. 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 McFarland 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 McFarland: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many McFarland buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in McFarland. 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 McFarland 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 McFarland 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 McFarland properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified McFarland 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 McFarland 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 McFarland families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in McFarland. 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 McFarland. 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 McFarland'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 McFarland is $541,000 for 2026. This is more than enough for the local market, where most homes are priced between $300K and $450K. FHA loans are extremely popular here since they only require 3.5% down and accept credit scores as low as 580.
You won't need a jumbo loan in McFarland. With a median home price of $340,000 and most homes under $450K, you'll be well below the conforming loan limit of $833,000. FHA, VA, and conventional loans will all work perfectly for homes in this price range.
For 2026 in Kern County, the conforming loan limit is $833,000, the FHA limit is $541,000, and the VA loan limit is $833,000. These limits cover all home prices in McFarland, where the typical home costs between $300K and $450K.
Yes, VA loans work great in McFarland with a loan limit of $833,000 and no down payment required for eligible veterans. The $0 down benefit is especially valuable here since most first. time buyers have limited savings. VA loans also don't require mortgage insurance, which saves you money every month.
Our No Money Down program offers $0 down payment for qualified buyers in McFarland. CalHFA programs like MyHome Assistance provide up to 3.5% in down payment help and are extremely popular with first. time buyers here. Some areas of McFarland may also qualify for USDA loans with zero down, and Kern County offers additional local assistance programs for income. eligible buyers.
You can buy a home in McFarland with as little as 3.5% down using an FHA loan, which means about $12,000 to $16,000 on most homes here. With down payment assistance programs like CalHFA or our No Money Down program, many first. time buyers purchase with $0 out of pocket. VA and USDA loans also offer zero down options if you qualify.
You can qualify for an FHA loan in McFarland with a credit score as low as 580, which is the most common loan type here. If your score is between 500 and 579, you'll need 10% down for FHA. Conventional loans typically require at least 620, but FHA's flexibility makes homeownership accessible for most first. time buyers.
Choose a lender experienced with McFarland's entry. level market who knows FHA loans and down payment assistance programs inside and out. You'll want someone who can help you access CalHFA, local DPA programs, and creative solutions for buyers with limited savings. Look for a lender who responds quickly and explains your options clearly, especially if you're a first. time buyer.
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