Mortgage broker serving Murrieta, 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 Murrieta buyers, we match your unique situation to the right program.
Murrieta's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Murrieta 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 Murrieta home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Murrieta starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Murrieta 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 Murrieta 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 Murrieta 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 Murrieta buyers. Most homes under $833K with competitive rates.
Strong FHA option in Murrieta. Low down payment gets you into most properties here.
$0 down for Murrieta veterans. VA loans cover all properties with no PMI required.
Murrieta business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Murrieta. State assistance helps with down payment and closing costs.
Premium Murrieta homes over $833K require jumbo loans. Less common but available for luxury properties.
Murrieta sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Murrieta investors. Buy rentals in entity names.
Conforming refinance for Murrieta homeowners. Best rates for loans under $833K.
FHA streamline refinance for Murrieta. Easiest way to lower your existing FHA rate.
VA streamline refi for Murrieta veterans. Fastest way to reduce your mortgage payment.
Turn Murrieta home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Murrieta homeowners. Access equity without replacing first mortgage.
Murrieta owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Murrieta investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Murrieta projects. Short-term financing for value-add investments.
Multifamily options for Murrieta investors. Finance apartment buildings with commercial loans.
Murrieta 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 Murrieta buyers with qualifying income.
CalHFA programs popular in Murrieta. State assistance helps with down payment and closing costs.
Murrieta has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Murrieta buyers. Down payment assistance with no repayment.
Murrieta family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Murrieta 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
Murrieta sits in Southwest Riverside County, about 84 miles from LA and right in the heart of Temecula Valley Wine Country. Population is 111,899, median household income $106,925. The homeownership rate here is 67.5%, and that makes sense when you look at who's buying. At $686K median home price, you're getting a newer Southern California home with good schools for about half what you'd pay in Orange County. Families earning six figures can actually qualify for a conventional loan on a single-family home with a yard, which is getting rare this close to the coast.
The school situation is a big part of why people stretch their budget to buy here instead of going further inland. Vista Murrieta High, Murrieta Valley High, and Murrieta Mesa High all pull strong ratings, and the Murrieta Valley Unified School District is one of the main reasons families choose this city over cheaper options in Riverside or San Bernardino counties. Dorothy McElhinney Middle and Tovashal Elementary round out the district with solid performance across the board. When you're looking at a $686K purchase, you want to know your kids are in good schools and your resale value won't tank. The school quality here protects both, which is why lenders see Murrieta as a safer bet than some neighboring cities with similar price points.
Most neighborhoods in Murrieta cluster around that $686K median, but what you get for the money varies by area and build year. Old Town Murrieta sits near the historic downtown core with antique shops and restaurants, offering a mix of older homes and newer infill on smaller lots. Greer Ranch is a master-planned community with HOA amenities, parks, and that planned neighborhood feel that families with young kids tend to want. Bear Creek pulls in buyers specifically looking for proximity to those highly rated schools, and you'll see plenty of conventional 20% down loans here from dual-income professional families. At this price point, you're mostly looking at conventional financing, though some buyers use 10% down conventional or even FHA if they're stretching to get into the school district. The HOA fees in master-planned areas run $50-150 monthly, so factor that into your debt-to-income ratio when you're calculating what you can afford.
The commute to LA runs about 84 minutes in decent traffic via I-15 and I-215, which is manageable but not easy if you're doing it five days a week. That commute is exactly why Murrieta costs $686K instead of $1.2M like similar neighborhoods in Orange County. The I-15 corridor connects you south to San Diego in about an hour or north through Temecula to Corona and the rest of the Inland Empire. If you work remotely or have a job in Temecula, Menifee, or elsewhere in Southwest Riverside County, you get the lifestyle without the brutal drive. If you're commuting to LA or Orange County regularly, just know you're trading time for a lower mortgage payment and better schools than you'd get for the same money closer in.
Murrieta Valley Unified School District is the largest employer, which tells you this is a bedroom community built around families and education. Loma Linda University Medical Center and Rancho Springs Medical Center provide healthcare jobs that tend to be stable and recession-resistant, which matters when you're taking on a $550K+ mortgage. The City of Murrieta and Costco round out the top employers with municipal and retail jobs. Real talk, most buyers here don't work in Murrieta itself. They commute to jobs in Orange County, San Diego, or the broader Inland Empire and choose Murrieta for the schools and quality of life. That commuter profile is why you see higher household incomes here compared to cities where people work locally, and it's also why the housing market here tends to track with job growth in LA and OC rather than just local employment.
Common questions from Murrieta 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 Murrieta 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 Murrieta: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Murrieta buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Murrieta 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 Murrieta 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 Murrieta 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 Murrieta properties fall within conforming limits, maximizing your financing options.
For Murrieta'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 Murrieta. 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 Murrieta. 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 Murrieta. 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 Murrieta 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 Murrieta: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Murrieta buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Murrieta. 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 Murrieta 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 Murrieta 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 Murrieta properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Murrieta 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 Murrieta 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 Murrieta families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Murrieta. 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 Murrieta. 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 Murrieta'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 Murrieta is $690,000 for 2026. This covers most homes in the area since the median home price is around $686,000, making FHA loans a popular choice for first. time buyers and those with smaller down payments.
Most buyers in Murrieta won't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $686,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of the local market.
For 2026 in Riverside County, the conforming loan limit is $833,000, the FHA limit is $690,000, and the VA loan limit is $833,000. These limits cover the vast majority of home purchases in Murrieta and surrounding areas.
Yes, VA loans are very competitive in Murrieta with a loan limit of $833,000, which covers nearly all homes in the area. Eligible veterans and service members can purchase with $0 down and no PMI, making it an excellent option for the typical $600K. $900K home price range.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. Additionally, CalHFA offers down payment assistance grants and deferred. payment junior loans, while Riverside County provides various first. time buyer programs that can help with down payment and closing costs.
Down payment requirements vary by loan type in Murrieta. Conventional loans typically require 3. 5% down ($20,600. $34,300 on a $686,000 home), FHA loans need 3.5% ($24,010), and VA loans offer $0 down for eligible veterans. With the median income at $106,925, many buyers can comfortably afford these down payments.
Most lenders require a minimum credit score of 620 for conventional loans in Murrieta, 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, aim for a score of 680 or higher.
Look for a lender experienced with Murrieta's balanced market who can offer multiple loan options including conventional, FHA, and VA products. Compare rates, fees, and closing timelines, and choose someone who understands the local $600K. $900K price range and can guide both first. time and move. up buyers through the process.
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