Mortgage broker serving Montclair, 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 Montclair buyers, we match your unique situation to the right program.
Montclair's market hovers near the $833K limit, making loan structuring critical for best rates.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Montclair 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 Montclair home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Montclair starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Montclair 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 Montclair 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 Montclair 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 |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Jumbo | 15-20% | 680+ | Properties exceeding $832,750 |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
| Reverse Mortgage | N/A | No minimum | Homeowners 62+ tapping equity without payments |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Standard option for Montclair buyers. Most homes under $833K with competitive rates.
Strong FHA option in Montclair. Low down payment gets you into most properties here.
$0 down for Montclair veterans. VA loans cover all properties with no PMI required.
Montclair business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Montclair. State assistance helps with down payment and closing costs.
Premium Montclair homes over $833K require jumbo loans. Less common but available for luxury properties.
Montclair sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Montclair investors. Buy rentals in entity names.
Conforming refinance for Montclair homeowners. Best rates for loans under $833K.
FHA streamline refinance for Montclair. Easiest way to lower your existing FHA rate.
VA streamline refi for Montclair veterans. Fastest way to reduce your mortgage payment.
Turn Montclair home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Montclair homeowners. Access equity without replacing first mortgage.
Montclair owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Montclair investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Montclair projects. Short-term financing for value-add investments.
Multifamily options for Montclair investors. Finance apartment buildings with commercial loans.
Montclair investors use hard money for quick closes. Higher rate but fast funding.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Montclair buyers with qualifying income.
CalHFA programs popular in Montclair. State assistance helps with down payment and closing costs.
Montclair has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Montclair buyers. Down payment assistance with no repayment.
Montclair family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Montclair purchases. Family member income boosts 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
Montclair sits in the western edge of San Bernardino County, right where the Inland Empire meets LA County. Population is 37,842, median household income $72,789. The homeownership rate is 54.3%, which tells you this is more of a rental-heavy market than most Inland Empire towns. At $765K median home price, you're paying close to what you'd see in parts of Orange County, but with that 41-minute commute to LA, you're essentially buying into an affordable LA bedroom community without the LA County property tax rates.
If you've got kids, the school ratings matter for both your daily life and resale value down the road. Montclair High serves the area, and you'll find Monte Vista Elementary, Kingsbury Elementary, and Ramona Elementary feeding into the system. The district has been stable, which counts when you're thinking about whether your home will hold value over a 7 or 10-year ownership period. That $765K median means you're looking at a household income around $180K-$200K to comfortably qualify with a conventional loan at today's rates. Families who buy here tend to value the school stability and proximity to job centers without paying full LA or Orange County prices.
Central Montclair runs around $765K and centers on Montclair Plaza and Central Avenue, where you get a mix of residential and commercial. The housing stock here is mostly single-family homes from the 60s through 90s, with some newer infill construction scattered around. Most buyers use conventional loans since the price point pushes you above comfortable FHA limits anyway. You're looking at 20% down to avoid PMI on a $765K purchase, which means coming to the table with $153K plus closing costs. The area attracts move-up buyers from cheaper Inland Empire markets and young families priced out of Claremont or Upland who still want reasonable access to LA.
The commute to LA runs about 41 minutes when traffic cooperates, which it doesn't always. You're looking at the I-10 corridor, which can turn that 41 minutes into 75 on a bad day. But here's the thing: that's still better than what you'd face living in Riverside or San Bernardino and trying to reach LA. Montclair Transcenter gives you a transit hub with local connections, though most buyers here plan on driving. The location is the main reason Montclair commands $765K while places 20 miles east sit at $550K. You're paying for that commute time, and if you work in downtown LA or the west side, it might be worth the mortgage stretch.
Montclair Unified School District and Ontario-Montclair School District are major employers, giving the area that public sector job stability. Montclair Plaza brings in retail employment across dozens of stores and restaurants, which keeps the local economy moving but doesn't generate the high incomes you'd need to easily afford $765K. The truth is, most buyers here work outside Montclair, either in Ontario, Rancho Cucamonga, or they're making that LA commute. The job mix locally is education, retail, and service sector. If you're looking at homes here, you probably need dual incomes or one solid six-figure salary to make the numbers work with conventional financing.
Common questions from Montclair 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 Montclair 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 Montclair: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Montclair buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Montclair 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 Montclair 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 Montclair families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Montclair properties fall within conforming limits, maximizing your financing options.
For Montclair'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 Montclair. 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 Montclair. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Montclair. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Montclair 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 Montclair: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Montclair buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Montclair. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Montclair 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 Montclair 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 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Montclair properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Montclair 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 Montclair 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 Montclair families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Montclair. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Montclair. 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 Montclair'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 Montclair is $690,000 for 2025. This covers most homes in the area since the median price is around $765K, though you'll need a conventional loan or larger down payment for properties above this amount. FHA loans are popular here with first. time buyers because they allow down payments as low as 3.5%.
Most buyers in Montclair don't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $765K. You'll only need a jumbo loan if you're buying a home priced above $833,000. The majority of properties in Montclair fall comfortably within conventional loan limits.
For 2025, San Bernardino County's conforming loan limit is $833,000, with FHA loans capped at $690,000 and VA loans at $833,000. The 2026 limits haven't been announced yet, but they're typically released in November 2025. These limits work well for Montclair's market where most homes are priced between $600K and $900K.
Yes, VA loans are highly competitive in Montclair with a loan limit of $833,000, which covers the vast majority of homes here. Eligible veterans and service members can buy with $0 down and no mortgage insurance, making it one of the best options available. With the median home price at $765K, most properties qualify for full VA financing.
Our No Money Down program offers $0 down payment for qualified buyers in Montclair. Additionally, CalHFA offers down payment assistance programs with grants and deferred. payment junior loans, and San Bernardino County provides local assistance programs for first. time and moderate. income buyers. These programs are especially helpful in Montclair's market where the median home price is $765K.
Down payments in Montclair vary by loan type: conventional loans require as little as 3% ($22,950 on a $765K home), FHA loans need 3.5%, and VA loans offer $0 down for eligible veterans. With the median price at $765K, many buyers put down 5. 10% to balance monthly payments with upfront costs. Our No Money Down program can also help qualified buyers purchase with zero down payment.
Most lenders require a minimum credit score of 620 for conventional loans in Montclair, while FHA loans can go as low as 580 (or even 500 with 10% down). For the best rates on homes in the $600K. $900K range, you'll want a score of 680 or higher. VA loans are also flexible with credit requirements for eligible service members.
Look for a lender experienced with Montclair's balanced market and the $600K. $900K price range who can offer multiple loan options including FHA, VA, and conventional financing. Compare rates, fees, and closing timelines from at least three lenders, and choose one who understands local programs and can guide first. time and move. up buyers. A lender familiar with San Bernardino County will help you navigate the process smoothly and find the best loan for your situation.
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