Mortgage broker serving Mendota, 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 Mendota buyers, we match your unique situation to the right program.
Mendota 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 Mendota 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 Mendota home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Mendota starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Mendota 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 Mendota 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 Mendota 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 |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates Mendota purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Mendota. State programs reduce out-of-pocket costs significantly.
Veterans buy Mendota homes with $0 down. Full VA benefits cover all properties here.
Many Mendota properties qualify for USDA zero-down loans. Rural designation required.
All Mendota properties qualify for conforming loans. 3% down minimum for first-time buyers.
Mendota local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Mendota homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Mendota. Investors can purchase in entity names.
FHA streamline dominates Mendota refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Mendota veterans. No paperwork hassles, quick closing.
Many Mendota homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Mendota refinance qualifies for conforming rates. Best terms for rate reduction.
Mendota owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Mendota. Predictable payments for major expenses.
DSCR financing for Mendota investors. Buy rentals based on property income potential.
Fix-and-flip financing for Mendota investors. Buy distressed properties, renovate, sell.
Commercial hard money in Mendota. Quick funding when timing is critical.
Multifamily loans available for Mendota 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 Mendota buyers with qualifying income.
CalHFA is a strong option for Mendota. State programs reduce out-of-pocket costs significantly.
Mendota local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Mendota down payment help. Free money for qualified buyers.
Many Mendota properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Mendota benefit from gift of equity. No cash down payment needed.
Mendota 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
Mendota sits in the heart of Fresno County's agricultural belt, about 35 miles west of Fresno. Population is 12,603, median household income $43,315. The homeownership rate is 45.6%, which tells you this is still primarily a renter's market, but that also means there's opportunity if you can qualify. At $355K median home price, you're looking at one of the more affordable entry points in Central California, especially for buyers tied to the ag industry who want to live close to work.
The school ratings here are middle of the road but stable. Mendota Elementary pulls a 7, while Mendota High and Washington Elementary both sit at 6. These aren't numbers that'll make your property appreciate faster than the market, but they're not dragging values down either. The district serves a community where most families have deep roots in agriculture, so there's consistency year over year. If you're buying with kids and planning to stay long-term, you'll find a tight-knit community where teachers know their students. For resale purposes, just know that school scores matter less here than in suburban markets since most buyers are local families or ag workers, not folks chasing test scores.
Where you buy in Mendota directly affects your loan options and monthly payment. Downtown Mendota runs $280K-$380K with older homes that often need some work, which makes FHA 203(k) renovation loans popular for buyers who want to build equity through sweat. North Mendota is your newer construction zone at $340K-$420K, attracting families who want move-in ready and can handle conventional financing with decent down payments. West Mendota sits at $310K-$390K on larger lots, perfect for ag workers who want space for trucks and equipment, and FHA loans work fine here. East Mendota is the entry point at $270K-$360K, close to schools, where first-time buyers lean heavily on FHA loans with 3.5% down to get in the door. The price spread across town is only about $150K from bottom to top, so your neighborhood choice is more about property condition and lot size than stretching your budget.
Mendota doesn't sit on a major highway, which is exactly why it stays affordable. The drive to Fresno takes about 44 minutes via State Route 180, and that's your connection to bigger job markets, shopping, and services. Bakersfield is over two hours south, Stockton nearly two hours north. Real talk, most people who buy here work locally in ag or related industries. If you're commuting to Fresno daily, you're trading 90 minutes of drive time for a mortgage payment that's $200K less than comparable Fresno suburbs. Local transit exists but this is a car-dependent town, so factor vehicle costs into your housing budget when you're calculating what you can afford.
Agriculture drives everything here, and that matters for your mortgage approval. Mendota Unified School District is the largest employer, followed by Del Monte Foods and Olam International, both major ag processors. Farming operations and ranches employ a huge chunk of the population, along with agricultural processing facilities. The income here reflects that reality with median household at $43K, which means most conventional loans require creative structuring or co-borrowers to hit debt-to-income ratios. FHA and USDA loans see heavy use because they're more forgiving on income requirements. The job market is steady but seasonal swings affect some workers, so lenders here pay close attention to two-year income history. If you work in ag processing or packing rather than seasonal field work, you'll have an easier time with loan approval.
Common questions from Mendota 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 Mendota 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 Mendota: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Mendota buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Mendota 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 Mendota 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 Mendota families purchase with minimal upfront cash.
2026 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Mendota properties fall within conforming limits, maximizing your financing options.
For Mendota'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 Mendota. 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 Mendota. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Mendota. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Mendota 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 Mendota: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Mendota buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Mendota. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Mendota 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 Mendota 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 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Mendota properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Mendota 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 Mendota 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 Mendota families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Mendota. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Mendota. 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 Mendota'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 Mendota is $541,000 for 2026. This is more than enough for the local market, where most homes sell between $300K and $450K with a median price around $355K. FHA loans are the most popular option here since they only require 3.5% down and accept credit scores as low as 580.
You won't need a jumbo loan in Mendota. With a median home price of $355K and most homes under $450K, you'll stay well below the $833K conforming loan limit. FHA loans at $541K cover virtually every property in the area, making them ideal for first. time buyers.
For 2026, Fresno County loan limits are $541,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits apply to Mendota and cover all typical home purchases in the area. The FHA limit works perfectly for the local market where homes average around $355K.
Yes, you can absolutely get a VA loan in Mendota with an $833,000 loan limit. VA loans are excellent for eligible veterans and active military since they require no down payment and no mortgage insurance. With most Mendota homes priced between $300K and $450K, you'll have plenty of buying power.
Our No Money Down program offers $0 down payment for qualified buyers in Mendota. CalHFA programs are also game. changers here, offering down payment and closing cost assistance for first. time buyers. Some areas of Mendota may qualify for USDA loans with zero down, and Fresno County offers additional local assistance programs perfect for buyers with the area's median income of $43,315.
You can buy a Mendota home with as little as 3.5% down using an FHA loan, which means around $12,425 to $15,750 on most local homes. VA loans and USDA loans offer $0 down for eligible buyers. With down payment assistance programs widely available here, many first. time buyers purchase with little to no money out of pocket.
You can qualify for an FHA loan in Mendota with a credit score as low as 580, which is perfect for first. time buyers. If your score is between 500 and 579, you'll need 10% down instead of 3.5%. Conventional loans typically require 620 or higher, but FHA's flexibility makes homeownership accessible in this entry. level market.
Choose a lender experienced with Mendota's entry. level market who understands FHA loans and down payment assistance programs inside and out. Look for someone who can help you navigate CalHFA and local DPA options, since these are crucial for buyers with limited savings. The right lender will know how to maximize your buying power on a median income of around $43,315 and get you into a home with minimal upfront costs.
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