Mortgage broker serving Menifee, 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 Menifee buyers, we match your unique situation to the right program.
Menifee buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Menifee 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 Menifee home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Menifee starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Menifee 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 Menifee 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 Menifee 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 is the go-to for Menifee buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Menifee. VA loans are the best deal for eligible veterans.
Nearly all Menifee homes qualify for conforming loans. Best rates available for qualified buyers.
Menifee buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Menifee buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Menifee areas. Check rural designation by address.
Bridge loans available for Menifee transitions. Finance new purchase before selling.
Entity purchase programs for Menifee. LLC financing for investment properties.
Menifee FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Menifee refinances qualify as conforming. Competitive rates with quick approval.
Menifee veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Menifee homeowners with equity. Access funds for any purpose.
Menifee owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Menifee homeowners. Lump sum with fixed monthly payments.
Menifee rental properties qualify with DSCR. No personal income verification needed.
Menifee renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Menifee commercial. Fast financing for competitive markets.
Apartment financing in Menifee. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Menifee buyers with qualifying income.
Menifee buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Menifee. City programs plus CalHFA can cover most down payment.
Grant programs for Menifee first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Menifee areas. Check rural designation by address.
Gift of equity for Menifee family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Menifee buyers qualify. Add parent income to yours.
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
Menifee sits in southwest Riverside County, about 87 miles from LA and 30 miles north of Temecula. Population is 103,680, median household income $87,871. The homeownership rate here is 80.5%, one of the highest in Southern California, and that tells you something important. At $565K median home price, this is where families who got priced out of Orange County and San Diego land when they want newer construction and actual yard space. That $88K household income lines up almost perfectly with what you need to qualify for a conventional loan on a $565K home with 10% down.
If you're buying with kids in mind, the school ratings matter for both your daily life and your resale value down the road. Paloma Valley High and Heritage High serve most of the city, and Menifee Valley Middle feeds into them. The district is relatively new since Menifee only incorporated in 2008, but it's been growing fast with all the residential development. That 80.5% homeownership rate means most families around you are invested long-term, not renting and moving every year. When you're looking at a 30-year mortgage, you want to know your neighbors are in it for the long haul too.
Sun City is the big name here, an age-restricted community that predates Menifee's incorporation, running around $565K for single-family homes with golf course access and clubhouse amenities. If you're 55-plus and looking at retirement, conventional loans work well here, and some buyers use cash from selling pricier coastal properties. Menifee Lakes is the other major master-planned area, also around $565K median, built around actual lakes with parks and trails. This one's all-ages and attracts families using conventional financing, typically with 10-20% down. Both neighborhoods offer HOA-maintained common areas, which adds to your monthly costs but keeps property values stable. The newer construction throughout Menifee means you're less likely to need FHA 203k renovation loans compared to older Inland Empire cities.
The commute to LA runs about 87 minutes in decent traffic, mostly via I-15 and I-215. That's the trade you're making for a $565K home instead of $900K in Orange County. No direct freeway runs through Menifee itself, so you'll take surface streets to reach the I-215 or I-15 depending on where you're headed. If you work in Temecula or Murrieta, you're looking at 20-30 minutes, which is why a lot of buyers here work locally or regionally rather than commuting to the coast. The drive time is exactly why Menifee stays within reach for that $88K household income while coastal markets have left that income bracket behind.
Menifee Union School District and Perris Union High School District are the top employers, which gives the area that public sector job stability lenders like to see on mortgage applications. City of Menifee itself has grown its municipal workforce as the city has developed. Menifee Global Medical Center adds healthcare jobs to the mix. Real talk, most people buying here don't work in Menifee itself. They work in Temecula, Murrieta, Corona, or they're making that LA or Orange County commute. But the local job base keeps the economy steady and gives you options if you want to cut that commute down the road.
Common questions from Menifee 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 Menifee 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 Menifee: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Menifee buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Menifee 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 Menifee 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 Menifee families purchase with minimal upfront cash.
2026 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Menifee properties fall within conforming limits, maximizing your financing options.
For Menifee'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 Menifee. 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 Menifee. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Menifee. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Menifee 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 Menifee: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Menifee buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Menifee. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Menifee 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 Menifee 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 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Menifee properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Menifee 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 Menifee 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 Menifee families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Menifee. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Menifee. 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 Menifee'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 Menifee is $690,000 for 2025, which comfortably covers most homes in the area since the median price is around $565,000. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments in Menifee. You can purchase typical homes here with as little as 3.5% down using an FHA loan.
You won't need a jumbo loan for most Menifee homes since the conforming loan limit is $833,000 and typical homes range from $450K to $600K. The median home price of $565,000 falls well within conventional, FHA, and VA loan limits. Jumbo loans are only necessary for higher. end properties above $833,000, which are uncommon in this affordable market.
For 2025 in Riverside County, the conforming loan limit is $833,000, the FHA limit is $690,000, and the VA loan limit is $833,000. These limits are updated annually and apply to all cities in Riverside County, including Menifee. These generous limits mean most buyers here can access conventional, FHA, or VA financing without needing jumbo loans.
Yes, VA loans are an excellent option in Menifee with a loan limit of $833,000, which covers virtually all homes in the area. VA loans offer 0% down, no mortgage insurance, and competitive rates, making them perfect for the many military families and veterans in Riverside County. With the median home price at $565,000, you can buy with no down payment if you're an eligible veteran or active. duty service member.
Our No Money Down program offers $0 down payment for qualified buyers in Menifee, making homeownership immediately accessible. You can also explore CalHFA programs that provide down payment and closing cost assistance for first. time buyers, plus Riverside County often has local DPA programs that can be stacked together. With Menifee's affordable prices and strong DPA eligibility, many first. time buyers can purchase with little to no money out of pocket.
You can buy a Menifee home with as little as 0% down using VA or USDA loans, or 3.5% down with FHA (about $19,775 on a $565,000 home). Conventional 97 loans require just 3% down, and down payment assistance programs can often cover most or all of these costs. Many first. time buyers in Menifee successfully purchase with minimal cash using FHA loans combined with DPA programs.
You can qualify for an FHA loan in Menifee with a credit score as low as 580, and some lenders accept scores down to 500 with 10% down. Conventional loans typically require a 620 minimum score, while VA loans are often approved with scores around 580. 600. Since Menifee attracts many first. time buyers and credit rebuilders, FHA loans are very popular and accessible even with imperfect credit.
Look for a Menifee lender experienced with FHA loans and down payment assistance programs, since these are crucial for most buyers in this affordable market. Compare rates, fees, and closing timelines from at least three lenders, and ask specifically about their experience stacking DPA programs for first. time buyers. A local lender familiar with Riverside County programs can often save you thousands and help you navigate the best financing options for homes in the $450K. $600K range.
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