Mortgage broker serving Napa, 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 Napa buyers, we match your unique situation to the right program.
The Napa market rewards buyers with verified financing and competitive loan terms.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Napa 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 Napa home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Napa starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Napa 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 Napa 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 Napa 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 Napa buyers. Most homes under $1.02M with competitive rates.
Strong FHA option in Napa. Low down payment gets you into most properties here.
$0 down for Napa veterans. VA loans cover all properties with no PMI required.
Napa business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Napa. State assistance helps with down payment and closing costs.
Premium Napa homes over $1.02M require jumbo loans. Less common but available for luxury properties.
Napa sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Napa investors. Buy rentals in entity names.
Conforming refinance for Napa homeowners. Best rates for loans under $1.02M.
FHA streamline refinance for Napa. Easiest way to lower your existing FHA rate.
VA streamline refi for Napa veterans. Fastest way to reduce your mortgage payment.
Turn Napa home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Napa homeowners. Access equity without replacing first mortgage.
Napa owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Napa investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Napa projects. Short-term financing for value-add investments.
Multifamily options for Napa investors. Finance apartment buildings with commercial loans.
Napa 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 Napa buyers with qualifying income.
CalHFA programs popular in Napa. State assistance helps with down payment and closing costs.
Napa has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Napa buyers. Down payment assistance with no repayment.
Napa family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Napa 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
Napa sits at the southern end of wine country, about an hour north of San Francisco. Population is 79,233, median household income $100,273. The homeownership rate here is 59.1%, below the state average, and that tells you something about the market. At $864K median home price, you're looking at one of the pricier spots in Northern California. A household at that $100K income level is going to need substantial down payment or dual incomes to qualify for a conventional loan on a median-priced home here.
If you're buying with kids in mind, Napa has solid public school options that matter for both your family's future and resale value. Napa High and Vintage High serve most of the city, while New Technology High offers a smaller project-based option. Napa Valley College provides local higher education, which keeps some families rooted here longer. The school quality is decent and stable, but here's the thing - you're paying a premium to live in wine country, and schools are just one piece of that equation. Families who buy here tend to value the lifestyle and community as much as the test scores.
The neighborhoods in Napa don't show huge price variation like you'd see in bigger Bay Area cities - most areas cluster around that $864K median. Downtown Napa gives you the revitalized riverfront, walkable access to Oxbow District restaurants and shops, and you're paying for location and lifestyle over square footage. Old Town Napa has those Victorian-era homes on tree-lined streets that attract buyers looking for character and charm, often needing conventional loans with 20% down or more. Westwood Hills on the western side offers hillside properties with views, while Browns Valley in the northeast provides more traditional suburban residential feel with good school access. The relatively flat pricing across neighborhoods means your loan approval and down payment matter more than which specific area you target.
The commute to San Francisco takes about 66 minutes on a good day, Oakland's 57 minutes, and San Jose runs 91 minutes. Those drives explain part of why Napa hasn't hit Palo Alto or San Francisco price levels, but you're still paying Bay Area adjacent pricing. If you work in tech or finance and can swing a hybrid schedule with two or three days in the office, the commute becomes manageable. If you're commuting daily, you need to factor that time and gas cost into whether the mortgage payment makes sense. Local transit exists but most buyers here are driving, so count on two-car households being the norm.
Queen of the Valley Medical Center is the largest employer, followed by Napa Valley Unified School District and County of Napa, giving the area a stable public sector base. The Meritage Resort and Spa represents the tourism and hospitality side that drives much of Napa's economy. Napa State Hospital adds more public sector stability. But let's be real - the wine industry and tourism define this place economically, even if they're not always the biggest single employers on paper. That means the local job market can feel seasonal swings, and many buyers here either work remotely for Bay Area companies or commute out. If you're buying on a single local income, that $864K median price is going to be a stretch unless you're in healthcare or senior management.
Common questions from Napa 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 Napa 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 Napa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Napa buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Napa 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 Napa 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 Napa families purchase with minimal upfront cash.
2026 Napa County limits: FHA $1,017,750, Conventional $1,017,750. Any loan above $1,017,750 is a jumbo loan. Most Napa properties fall within conforming limits, maximizing your financing options.
For Napa'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 Napa. 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 Napa. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Napa County, and structure your purchase to minimize upfront costs.
You still have options in Napa. 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 Napa County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Napa 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 Napa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Napa buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Napa. 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 Napa County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Napa 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 Napa 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 Napa County limits: FHA $1,017,750, Conventional $1,017,750. Any loan above $1,017,750 is a jumbo loan. Most Napa properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Napa 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 Napa 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 Napa families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Napa. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Napa County, and structure your purchase to minimize upfront costs.
You still have options in Napa. 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 Napa'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 Napa is $1,026,000 for 2025, which covers most homes in the area since the median price is around $864K. This higher limit means you can use FHA financing with just 3.5% down on homes well above the national average. FHA loans are popular in Napa for both first. time buyers and those looking to minimize their down payment.
You won't need a jumbo loan for most Napa homes since the conforming loan limit is $1,026,000 and the median home price is $864K. Only properties priced above $1,026,000 require jumbo financing, which represents a smaller portion of the market. This means you'll likely qualify for better rates and terms with conventional, FHA, or VA loans for typical Napa properties.
For 2025, Napa County's loan limits are $1,026,000 for conforming, FHA, and VA loans on single. family homes. These limits are typically announced in November for the following year, so 2026 limits aren't available yet. Given Napa's balanced market conditions, you can expect limits to remain competitive and cover most homes in the $600K to $900K range.
Yes, VA loans are very competitive in Napa with a loan limit of $1,026,000 and no down payment required for eligible veterans and service members. This limit covers the vast majority of homes in Napa, including the median. priced home at $864K. VA loans offer excellent terms with no PMI, making them one of the best options if you qualify.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Napa's market. Additionally, CalHFA offers down payment assistance programs with grants and deferred. payment junior loans that work well for homes in the $600K to $900K range. Napa County may also have local programs for first. time buyers and moderate. income households, so it's worth exploring multiple options to find the best fit.
Down payment requirements in Napa vary by loan type: conventional loans typically need 3% to 5% ($25,920 to $43,200 on an $864K home), FHA requires 3.5% ($30,240), and VA or USDA loans offer $0 down for eligible buyers. With Napa's median price at $864K, many buyers use down payment assistance or low. down. payment programs to make homeownership more affordable.
Most lenders in Napa require a minimum credit score of 620 for conventional loans, though you'll get better rates with scores above 680. FHA loans accept scores as low as 580 (or even 500 with 10% down), making them accessible for first. time buyers. Given Napa's balanced market and median income of around $100K, improving your score before applying can save you thousands in interest over the loan term.
Choose a lender experienced with Napa's market who offers the loan types that fit your situation, whether that's conventional, FHA, VA, or down payment assistance programs. Compare rates, fees, and closing timelines from multiple lenders, and look for someone responsive who can close on time in a balanced market. A local lender familiar with Napa County's $600K to $900K price range can often provide better guidance and smoother transactions than national banks.
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