Mortgage broker serving Moreno Valley, 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 Moreno Valley buyers, we match your unique situation to the right program.
In Moreno Valley's market, the right loan program can save thousands over the life of your mortgage.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Moreno Valley 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 Moreno Valley home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Moreno Valley starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Moreno Valley 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 Moreno Valley 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 Moreno Valley 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 Moreno Valley buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Moreno Valley. VA loans are the best deal for eligible veterans.
Nearly all Moreno Valley homes qualify for conforming loans. Best rates available for qualified buyers.
Moreno Valley buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Moreno Valley buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Moreno Valley areas. Check rural designation by address.
Bridge loans available for Moreno Valley transitions. Finance new purchase before selling.
Entity purchase programs for Moreno Valley. LLC financing for investment properties.
Moreno Valley FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Moreno Valley refinances qualify as conforming. Competitive rates with quick approval.
Moreno Valley veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Moreno Valley homeowners with equity. Access funds for any purpose.
Moreno Valley owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Moreno Valley homeowners. Lump sum with fixed monthly payments.
Moreno Valley rental properties qualify with DSCR. No personal income verification needed.
Moreno Valley renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Moreno Valley commercial. Fast financing for competitive markets.
Apartment financing in Moreno Valley. 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 Moreno Valley buyers with qualifying income.
Moreno Valley buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Moreno Valley. City programs plus CalHFA can cover most down payment.
Grant programs for Moreno Valley first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Moreno Valley areas. Check rural designation by address.
Gift of equity for Moreno Valley family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Moreno Valley 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
Moreno Valley sits in Riverside County about 70 miles east of LA, right at the edge of the Inland Empire. Population is 209,578, median household income $82,637. The homeownership rate here is 63%, and at $555K median home price, you're looking at one of the last accessible entry points into Southern California real estate where a household pulling in $80K can still qualify for a conventional loan on a single-family home without completely draining their savings.
The school situation here is actually pretty solid for the price point you're paying. Vista del Lago High pulls an 8 rating, Valley View and Canyon Springs both hit 7, and Moreno Valley High sits at 6. When you compare that to what you'd pay in Orange County for similar school ratings, you're saving $300K-$400K on the purchase price. That difference matters when you're calculating your debt-to-income ratio and figuring out if you can actually qualify. The district serves over 34,000 students, so it's established and not going anywhere, which protects your resale value when you eventually sell.
Where you buy in Moreno Valley directly impacts your loan structure and monthly payment. Sunnymead runs $450K-$580K, mix of older homes and newer builds, and it's the sweet spot for first-time buyers using FHA loans with 3.5% down. Towngate sits at $500K-$650K, master-planned with HOAs that keep values stable, conventional loans work well here if you've got the 5-10% down payment saved up. Hidden Springs goes $520K-$680K, newer construction that appraises clean, which makes lenders happy and gets you better rates. Moreno Valley Ranch is the premium play at $600K-$800K, larger lots with golf course access, you're looking at conventional or jumbo territory depending on how much you put down. The HOA fees in the planned communities run $50-$150 monthly, so factor that into your qualifying ratios.
The commute to LA runs about 70 minutes when traffic cooperates, which it doesn't always. That drive time is exactly why Moreno Valley stays $200K-$300K cheaper than coastal markets. SR-60 gets you west toward LA and Orange County, I-215 connects you north to San Bernardino or south to Temecula. Real talk, if you work in LA five days a week, that commute will wear on you. But if you're hybrid or work locally in the Inland Empire, you're getting legitimate Southern California living without the crushing mortgage payment that forces you into a 50-year loan term.
Here's the thing about Moreno Valley's job market. Amazon operates multiple massive fulfillment centers here, and that's changed the employment landscape completely over the past decade. Moreno Valley Unified School District is the largest employer with steady public sector jobs and benefits. Skechers USA runs their distribution out of here, Lowe's has a major distribution center, and Riverside University Health System provides healthcare jobs. The logistics and warehouse sector is huge, which means blue-collar jobs that actually pay enough to qualify for a mortgage in the $450K-$600K range. It's not tech money, but it's real income that lenders recognize and approve.
Common questions from Moreno Valley 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 Moreno Valley 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 Moreno Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Moreno Valley buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Moreno Valley 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 Moreno Valley 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 Moreno Valley 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 Moreno Valley properties fall within conforming limits, maximizing your financing options.
For Moreno Valley'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 Moreno Valley. 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 Moreno Valley. 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 Moreno Valley. 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 Moreno Valley 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 Moreno Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Moreno Valley buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Moreno Valley. 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 Moreno Valley 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 Moreno Valley 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 Moreno Valley properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Moreno Valley 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 Moreno Valley 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 Moreno Valley families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Moreno Valley. 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 Moreno Valley. 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 Moreno Valley'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 Moreno Valley is $690,000 for 2025, which covers the vast majority of homes in the area since the median price is around $555,000. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments, as you can purchase most homes here with just 3.5% down.
You won't need a jumbo loan for most homes in Moreno Valley since the conforming loan limit is $833,000 and the median home price is $555,000. Only properties priced above $833,000 would require a jumbo loan, which represents a small fraction of the market here.
For 2025, Riverside County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are typically announced in November for the following year, so 2026 limits aren't yet available but usually see modest increases based on home price trends.
Yes, VA loans work exceptionally well in Moreno Valley with a loan limit of $833,000, which covers virtually all homes in the area. Veterans and active military can buy with $0 down, no PMI, and competitive rates, making it one of the best financing options available here.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. Additionally, CalHFA offers down payment assistance up to 3.5% of the purchase price, and Riverside County has local programs that can often be stacked together to cover your entire down payment and closing costs.
You can buy a home in Moreno Valley with as little as 3.5% down using an FHA loan (about $19,425 on a $555,000 home) or 3% down with conventional 97 financing. VA. eligible buyers can purchase with $0 down, and down payment assistance programs can help cover most or all of your upfront costs.
You can qualify for an FHA loan in Moreno Valley with a credit score as low as 580 for 3.5% down, or even 500 with 10% down. Conventional loans typically require a 620 minimum score, while VA loans are more flexible and often approve scores in the 580. 600 range with strong compensating factors.
Look for a lender experienced with Moreno Valley's market who offers multiple loan types including FHA, VA, and down payment assistance programs that are popular here. The best lender will compare all your options, explain how to stack DPA programs if you qualify, and have a track record of closing loans smoothly in Riverside County.
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