Mortgage broker serving Mission Viejo, 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 Mission Viejo buyers, we match your unique situation to the right program.
Mission Viejo buyers navigate properties near the $1.25M conforming limit, where loan structure impacts rates significantly.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Mission Viejo 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 Mission Viejo home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Mission Viejo starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Mission Viejo 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 Mission Viejo 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 Mission Viejo homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Mission Viejo home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Mission Viejo homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in Mission Viejo with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for Mission Viejo first-timers. 3.5% down, 580 credit minimum.
Higher-end Mission Viejo properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for Mission Viejo's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Mission Viejo buyers.
Bridge loans help Mission Viejo buyers compete. Make non-contingent offers while selling current home.
Mission Viejo investment properties in LLC. Entity financing available for investors.
Most Mission Viejo mortgages qualify for conforming refinance. Lower your rate under the limit.
Mission Viejo homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Mission Viejo refinance with VA IRRRL. No appraisal, no income verification.
Mission Viejo HELOC options for home equity access. Credit line with variable rate draw period.
Mission Viejo FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Mission Viejo. Fixed payments unlike variable HELOC.
Mission Viejo rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Mission Viejo use fix-and-flip financing. Purchase plus rehab in one loan.
Mission Viejo apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Mission Viejo. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Mission Viejo buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Mission Viejo buyers.
Local Mission Viejo DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Mission Viejo buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Mission Viejo family purchases. Parents selling to children at discount.
Mission Viejo buyers use non-occupant co-borrowers. Parents help children qualify for homes.
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
Mission Viejo sits in the heart of South Orange County, about 57 miles southeast of LA. Population is 93,233, median household income $136,570. The homeownership rate here is 77.5%, one of the highest in Orange County, and that tells you everything about the kind of buyers this city attracts. At $1.15M median home price, you're looking at a market where dual-income professional families dominate, and you'll need roughly $230K down for a conventional loan with solid credit to make the numbers work.
Here's the thing about Mission Viejo. Families move here for the schools and stay for decades. Mission Viejo High and Capistrano Valley High both pull strong ratings, and the feeder schools like Newhart Middle and Los Alisos Intermediate keep the pipeline solid. When you're dropping $1.15M on a house, school quality isn't just about your kids. It's about protecting your investment. That 77.5% ownership rate means your neighbors aren't going anywhere, and resale values stay stable because the next buyer is looking for exactly what you bought. The Saddleback Valley Unified School District is the largest employer in the area, which tells you how central education is to this community's identity and property values.
The Lake Mission Viejo Area runs around $1.1M and centers on the private 124-acre lake that's the city's signature feature. You're paying for lake access rights, which means HOA dues run higher but you get beaches, fishing, and a lifestyle amenity that holds value. Conventional jumbos are standard here, and you'll want 20% down to avoid PMI on loans over $726,200. Casta del Sol is the 55+ community, also around $1.1M, and it's popular with retirees doing cash purchases or large down payment conventional loans after selling their previous homes. Cypress Point sits in the same price range, family-oriented with proximity to top-rated elementary schools. All three neighborhoods require similar financing, but your loan officer will want to see HOA financials before approval since these are heavily amenitized communities.
The commute to Irvine is 17 minutes, which is why so many tech and business professionals can justify the $1.15M price tag. You're close enough to Orange County job centers without the density of closer-in cities. LA sits 57 minutes north when traffic cooperates, Long Beach is 46 minutes, and Santa Monica runs about 64 minutes. The I-5 corridor gives you access, but you're not paying for freeway-adjacent noise. Most buyers here work in Irvine, Newport Beach, or other parts of South OC. The short commute means you can afford the higher mortgage payment because you're not burning time and gas like you would from the Inland Empire.
Saddleback Valley Unified School District leads employment, followed by Mission Hospital, the City of Mission Viejo itself, and Saddleback Church. But real talk, most homeowners here don't work in Mission Viejo. They commute to Irvine's business parks, Costa Mesa, Newport Beach, or other OC employment hubs. The local job base provides stability and some public sector positions, but the typical buyer is pulling income from outside the city limits. What matters for your mortgage approval is that $136,570 median household income. Lenders see Mission Viejo addresses and know the buyer profile: established careers, strong credit, significant assets. That reputation can actually help your rate negotiation if you fit the profile.
Common questions from Mission Viejo 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 Mission Viejo 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 Mission Viejo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Mission Viejo buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Mission Viejo 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 Mission Viejo 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 Mission Viejo families purchase with minimal upfront cash.
2026 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Mission Viejo properties fall within conforming limits, maximizing your financing options.
For Mission Viejo'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 Mission Viejo. 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 Mission Viejo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Mission Viejo. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Mission Viejo 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 Mission Viejo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Mission Viejo buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Mission Viejo. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Mission Viejo 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 Mission Viejo 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 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Mission Viejo properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Mission Viejo 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 Mission Viejo 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 Mission Viejo families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Mission Viejo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Mission Viejo. 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 Mission Viejo'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 Mission Viejo is $1,250,000 for 2025, which covers most homes in this Orange County community. With median home prices around $1.1M, FHA loans are a viable option for many buyers here. You'll need a minimum 3.5% down payment with a credit score of at least 580 to qualify.
Most Mission Viejo homes don't require a jumbo loan since the conforming limit is $1,250,000 and the median price is $1.1M. However, if you're looking at properties above $1.25M, you'll need jumbo financing. About 70. 80% of homes in Mission Viejo fall within conforming loan limits, making conventional financing straightforward for most buyers.
For 2026, Orange County's conforming loan limit is $1,250,000, with FHA and VA limits matching at $1,250,000. These limits apply throughout Mission Viejo and all of Orange County. The limits are reviewed annually and may adjust based on home price trends in the region.
Yes, VA loans are available in Mission Viejo with a loan limit of $1,250,000, which covers most homes in the area. Eligible veterans and service members can purchase with $0 down and no PMI, making it one of the best financing options available. With the median home price at $1.1M, VA loans work well for the majority of properties here.
Our No Money Down program offers $0 down payment for qualified buyers in Mission Viejo. CalHFA programs provide down payment and closing cost assistance for first. time and repeat buyers, with options like the MyHome Assistance Program offering deferred. payment junior loans. Orange County also offers local assistance programs, though availability can be limited given the area's higher price points.
Down payments in Mission Viejo typically range from 3% to 20% depending on your loan type. For a median. priced $1.1M home, that's $33,000 to $220,000. Conventional loans require as little as 3% down, FHA loans need 3.5%, and VA loans offer $0 down for eligible veterans, while 20% down helps you avoid PMI.
Most lenders require a minimum credit score of 620 for conventional loans in Mission Viejo, though 680+ gets you better rates. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. Given the area's $1.1M median price and established buyer profile, aiming for 700+ will give you the most financing options and competitive rates.
Look for a lender experienced with Mission Viejo's upper. middle market and comfortable handling loan amounts near $1M. Compare rates, fees, and loan options across multiple lenders, and ask about their experience with conforming high. balance and jumbo loans. The right lender should offer responsive communication, clear explanations of your options, and a track record of closing on time in Orange County's competitive market.
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