Mortgage broker serving Morgan Hill, 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 Morgan Hill buyers, we match your unique situation to the right program.
Morgan Hill buyers face financing complexity with many properties exceeding the $1.25M conforming limit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Morgan Hill 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 Morgan Hill home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Morgan Hill starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Morgan Hill 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 Morgan Hill 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 Morgan Hill 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 Morgan Hill home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Morgan Hill prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Morgan Hill.
Self-employed? Morgan Hill bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Morgan Hill properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Morgan Hill buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Morgan Hill buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Morgan Hill moves. Purchase before your current home sells.
Entity financing for Morgan Hill investors. Purchase in LLC for asset protection.
Morgan Hill loans under $1.25M get conforming refinance rates. Best rates available.
Access Morgan Hill home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Morgan Hill homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Morgan Hill veterans. Lower your rate without appraisal or income docs.
Morgan Hill home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Morgan Hill homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Morgan Hill can use DSCR financing. Rental income qualifies the loan.
Morgan Hill rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Morgan Hill apartment buildings. Commercial rates for larger properties.
Hard money financing for Morgan Hill commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Morgan Hill buyers with qualifying income.
CalHFA programs can help Morgan Hill first-time buyers. Check income limits for eligibility.
Morgan Hill family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Morgan Hill. Family member income helps qualification.
Check Morgan Hill city programs for additional DPA. May stack with CalHFA for more help.
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
Morgan Hill sits at the southern edge of Silicon Valley in Santa Clara County, about 28 minutes from San Jose. Population is 45,291, median household income $152,199. The homeownership rate here is 71.7%, which tells you this is a place where people put down roots when they can afford to. At $1.46M median home price, you're looking at serious money, but here's the thing: you're getting South Bay access without San Jose density, and that premium matters to buyers who want space and schools while staying connected to tech jobs.
If you're buying in Morgan Hill, schools are probably a big part of why you're here. Live Oak High, Sobrato High, and Ann Sobrato High all serve the community, and Britton Middle School feeds into them. The district pulls families from San Jose and Gilroy who want smaller class sizes and a more suburban feel. That $152K median household income reflects a lot of dual-income tech families who can qualify for jumbo loans and prioritize education. The 71.7% ownership rate means your neighbors aren't transient renters - they're invested in the schools and community, which protects your property value long-term.
Morgan Hill doesn't have the same carved-up tract subdivisions you'll find in newer Bay Area sprawl. Downtown Morgan Hill runs around $1.5M for the historic center near Monterey Road, where you get walkable access to shops, restaurants, and that small-town vibe people pay extra for. Most properties across town fall in the $1.2M-$1.8M range, which means you're looking at jumbo financing almost everywhere. Conventional loan limits won't cut it here - in 2024, anything over $766,550 in Santa Clara County requires a jumbo, and you'll need strong credit and at least 10-20% down to make the numbers work. The good news is lenders like the stability here, so rates on jumbos can be competitive if your income supports the debt-to-income ratios.
The commute to San Jose is 28 minutes, which is huge if you're working in tech and don't want to live in the urban core. Palo Alto runs 42 minutes, Oakland 65, San Francisco 75. That's the trade-off: you get space, good schools, and a slower pace, but you're still close enough that hybrid work schedules or daily commutes are doable. US-101 is your main artery, and traffic can get ugly during peak hours, but compared to living in Sunnyvale or Mountain View, you're escaping the worst of it. If you work remotely even part-time, Morgan Hill starts to make a lot of sense - you're paying for lifestyle and schools, not just proximity to an office.
Morgan Hill Unified School District is the largest employer, followed by the City of Morgan Hill and Saint Louise Regional Hospital. But let's be real: most people buying here work elsewhere in the Bay Area, particularly San Jose and the broader Silicon Valley corridor. The local job market is stable but small. What you're really buying into is the ability to live in a family-oriented town while pulling down a South Bay salary. That $152K median income tells you this is a commuter town for professionals who can afford jumbo loans and want their kids growing up with access to parks like Anderson Lake and Coyote Lake Harvey Bear Ranch. The annual Mushroom Mardi Gras is quirky and fun, but the real draw is quality of life funded by tech money earned up the road.
Common questions from Morgan Hill 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 Morgan Hill 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 Morgan Hill: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Morgan Hill buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Morgan Hill 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 Morgan Hill 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 Morgan Hill families purchase with minimal upfront cash.
2026 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Morgan Hill properties fall within conforming limits, maximizing your financing options.
For Morgan Hill'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 Morgan Hill. 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 Morgan Hill. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Morgan Hill. 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 Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Morgan Hill 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 Morgan Hill: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Morgan Hill buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Morgan Hill. 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 Santa Clara County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Morgan Hill 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 Morgan Hill 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 Santa Clara County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Morgan Hill properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Morgan Hill 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 Morgan Hill 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 Morgan Hill families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Morgan Hill. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Santa Clara County, and structure your purchase to minimize upfront costs.
You still have options in Morgan Hill. 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 Morgan Hill'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 Morgan Hill is $1,250,000 for 2025. This high. balance limit reflects Santa Clara County's premium housing market and allows you to use FHA financing on most homes in the area. Keep in mind that with a median home price of $1.5M, many Morgan Hill properties will exceed this limit and require alternative financing.
You'll likely need a jumbo loan if you're buying above $1,250,000, which covers most homes in Morgan Hill where the median price is $1.5M. Properties priced between $1.25M and $1.5M are common here, so many buyers use jumbo financing. If you're looking at homes under the conforming limit, you can take advantage of high. balance conventional loans with more favorable terms.
For 2026, Santa Clara County's conforming loan limit is $1,250,000 for single. family homes. FHA and VA loan limits also sit at $1,250,000 in this high. cost area. These limits are reviewed annually and may adjust based on home price trends in the county.
Yes, you can use a VA loan in Morgan Hill with a limit of $1,250,000 for zero down payment. For homes priced above this limit, like many in Morgan Hill's $1.5M median market, you'd need a VA jumbo loan which requires a down payment on the amount exceeding $1,250,000. VA loans are popular among eligible buyers here because they offer competitive rates and no PMI.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible even in Morgan Hill's premium market. CalHFA programs like MyHome Assistance provide down payment and closing cost help for first. time buyers, and Santa Clara County offers various assistance programs for eligible households. Given Morgan Hill's higher price points, these programs work best for properties on the lower end of the market or for buyers with strong income qualifications.
For Morgan Hill's median $1.5M home, you'll typically need 10. 20% down if using a jumbo loan, which means $150,000 to $300,000. Conventional high. balance loans under $1,250,000 can go as low as 5% down, and FHA loans require just 3.5% down for qualifying properties. Many dual. income professionals upgrading to Morgan Hill use equity from their previous homes to cover these substantial down payments.
While FHA loans allow scores as low as 580, most Morgan Hill buyers need at least 620. 640 for conventional financing on these higher. priced homes. Jumbo loans, which you'll likely need above $1,250,000, typically require 680. 700+ for the best rates and terms. Given the premium market and larger loan amounts, lenders scrutinize credit more carefully, so aiming for 720+ will give you the most options.
Look for a lender experienced with Morgan Hill's premium market and comfortable handling both high. balance conforming and jumbo loans in the $1.25M. $2M range. You'll want someone who can compare multiple loan options, explain the trade. offs between conforming and jumbo financing, and close on time in this competitive market. Ask about their rates, fees, and experience with properties in Santa Clara County specifically.
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