Mortgage broker serving Montebello, 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 Montebello buyers, we match your unique situation to the right program.
Montebello offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Montebello 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 Montebello home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Montebello starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Montebello 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 Montebello 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 Montebello 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: $1,249,125 |
| 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 $1,249,125 |
| 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 Montebello buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Montebello. Low down payment gets you into most properties here.
$0 down for Montebello veterans. VA loans cover all properties with no PMI required.
Montebello business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Montebello. State assistance helps with down payment and closing costs.
Premium Montebello homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Montebello sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Montebello investors. Buy rentals in entity names.
Conforming refinance for Montebello homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Montebello. Easiest way to lower your existing FHA rate.
VA streamline refi for Montebello veterans. Fastest way to reduce your mortgage payment.
Turn Montebello home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Montebello homeowners. Access equity without replacing first mortgage.
Montebello owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Montebello investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Montebello projects. Short-term financing for value-add investments.
Multifamily options for Montebello investors. Finance apartment buildings with commercial loans.
Montebello 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 Montebello buyers with qualifying income.
CalHFA programs popular in Montebello. State assistance helps with down payment and closing costs.
Montebello has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Montebello buyers. Down payment assistance with no repayment.
Montebello family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Montebello 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
Montebello sits just eight miles east of downtown LA in the heart of Los Angeles County. Population is 62,056, median household income $72,317. The homeownership rate here is 46.1%, which is low even for LA County, and that tells you something important: this is a competitive market where renters outnumber owners. At $830K median home price, you're paying a premium for the location. But here's the thing. You're getting LA County access without the million-dollar price tags you'll find in Pasadena or Glendale. For a household pulling in $70-75K, you'll need a strong down payment or co-borrower to qualify, but the commute times make it worth considering if you work in the basin.
If you're buying with kids in mind, Montebello Unified serves most of the area. Montebello High and Schurr High are your main options, and the Applied Technology Center gives students vocational training paths. The schools aren't pulling top ratings compared to neighboring districts, which is part of why Montebello stays more affordable than nearby Monterey Park or San Marino. That lower ownership rate means fewer families are locked in long-term, so you'll see more turnover than in traditional family-oriented suburbs. But the proximity to LA means good private school options are within reach if that's your plan. When you're comparing neighborhoods, school quality doesn't vary much within city limits since it's all one district.
The market here is pretty uniform. Downtown Montebello and North Montebello both run around $830K median. You're looking at post-war housing stock, mostly single-family homes on smaller lots typical of dense LA County suburbs. Downtown Montebello puts you near Montebello Town Center and civic buildings, which means walkability to shopping and services. North Montebello skews more residential and quiet. Conventional loans dominate here since you're well above FHA loan limits in LA County, and most buyers need at least 10-15% down to make the numbers work. FHA can still play if you find something under $650K, but inventory at that price point moves fast. The truth is, you're competing with multigenerational buyers pooling resources and investors looking for rental income.
This is where Montebello earns its price tag. You're 19 minutes to downtown LA, 32 minutes to Santa Monica, 31 minutes to Long Beach, 47 minutes to Irvine. That kind of access to the entire LA basin is rare at this price point. The 60 freeway runs just south, the 710 is close by, and the 10 is a quick shot west. No major highway cuts directly through the city, which keeps neighborhood streets quieter. Local transit is available but most buyers here are planning on car commutes. If you work anywhere in central or east LA, your commute stays reasonable. That's the trade you're making: you pay $830K instead of $600K in the Inland Empire, but you get back an hour of your life every day.
Montebello Unified School District is the largest employer, followed by the City of Montebello and Beverly Hospital. Montebello Town Center provides retail jobs, but it's not a major employment hub. Most buyers here work elsewhere in LA County and chose Montebello for the central location and relative affordability. The job market is really the greater LA economy. You've got access to everything from downtown LA's financial district to the ports in Long Beach to tech jobs in El Segundo. That employment diversity is why people stretch their budgets to stay in the county. When you're underwriting a loan here, lenders look at your job stability across the whole region, not just local employment.
Common questions from Montebello 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 Montebello 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 Montebello: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Montebello buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Montebello 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 Montebello 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 Montebello families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Montebello properties fall within conforming limits, maximizing your financing options.
For Montebello'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 Montebello. 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 Montebello. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Montebello. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Montebello 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 Montebello: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Montebello buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Montebello. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Montebello 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 Montebello 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Montebello properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Montebello 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 Montebello 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 Montebello families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Montebello. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Montebello. 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 Montebello'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 Montebello is $1,250,000 for 2025, which covers most homes in the area since the median price is around $830,000. This higher limit means you can use FHA financing with just 3.5% down on the majority of properties in Montebello. FHA loans are particularly popular here for first. time buyers who want lower down payments and more flexible credit requirements.
Most buyers in Montebello won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $830,000. You'll only need jumbo financing if you're purchasing a home above $1.25 million, which represents a smaller portion of the market here. The majority of Montebello buyers can take advantage of conventional, FHA, or VA loans with their competitive rates and terms.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply throughout the county, including Montebello, and are significantly higher than the national baseline due to the area's housing costs. These limits give buyers substantial purchasing power in middle. market neighborhoods like Montebello.
Yes, VA loans are very competitive in Montebello with a loan limit of $1,250,000, which covers virtually all homes in the area. Eligible veterans and service members can purchase with $0 down and no monthly mortgage insurance, making it one of the most affordable options available. With the median home price at $830,000, VA loans provide excellent value for qualified buyers in this market.
Our No Money Down program offers $0 down payment for qualified buyers in Montebello. Additionally, CalHFA offers down payment assistance programs with options like the MyHome Assistance Program providing 3.5% in deferred. payment junior loans, and Los Angeles County may have local programs for first. time buyers. These programs can be particularly helpful in Montebello's $600K. $900K price range where even a small percentage down can mean significant savings.
Down payment requirements in Montebello vary by loan type: conventional loans can go as low as 3% ($24,900 on an $830,000 home), FHA requires 3.5%, and VA or USDA loans offer $0 down for qualified buyers. With the median home price at $830,000, many buyers put down 5. 10% to balance monthly payments with upfront costs. Down payment assistance programs can help reduce or eliminate your out. of. pocket costs if you qualify.
Most lenders in Montebello require a minimum credit score of 620 for conventional loans, 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 often more flexible with credit scores, and some portfolio lenders may work with lower scores depending on your overall financial profile.
Choose a lender experienced with Montebello's middle. market price range who can offer multiple loan options including conventional, FHA, and VA products. Compare not just interest rates but also closing costs, responsiveness, and their ability to close on time in a balanced market where you may face some competition. Look for lenders who understand Los Angeles County programs and can help you navigate down payment assistance options that make sense for your situation.
Fill out the form below and we'll reach out to discuss your Montebello mortgage options.
We respond within 24 hours
