Mortgage broker serving Needles, 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 Needles buyers, we match your unique situation to the right program.
Needles's prices make homeownership achievable with the right loan program.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Needles 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 Needles home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Needles starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Needles 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 Needles 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 Needles 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 |
| FHA | 3.5% minimum | 580+ | First-time buyers, lower credit. Limit: $832,750 |
| VA | $0 | No minimum | Veterans, active military - best 0% down option |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time Needles buyers, income-qualified |
Questions? Call (510) 589-4096 or email info@agoodlender.com
USDA loans are ideal for Needles. Zero down payment for rural properties. Income limits apply.
Most Needles buyers use FHA. 3.5% down payment with 580+ credit. Easiest path to homeownership.
CalHFA plus local DPA can cover full down payment in Needles. Stack programs for maximum assistance.
VA loans are perfect for Needles. Zero down, no PMI, and every property qualifies.
Maximum local DPA available in Needles. Combine city, county, and state programs.
Every Needles home qualifies for conforming financing. Best rates with good credit.
Bridge loans help Needles owners transition between homes. Short-term gap financing.
Needles investors use LLC financing. Entity ownership for asset protection.
USDA streamline refinance for Needles. Lower your rate with minimal paperwork.
Most Needles refinances use FHA streamline. No appraisal, no income docs, fast closing.
Needles veterans should use VA IRRRL. Streamline your refinance with zero hassle.
Conforming refinance rates for all Needles properties. Straightforward rate-and-term refi.
Cash-out refinance available for Needles homeowners. Convert equity to cash for any need.
Home equity loans available in Needles. Fixed rate second mortgage against equity.
Investment properties in Needles use DSCR loans. Rental income drives qualification.
Rehab loans available in Needles. Fix-and-flip financing covers purchase plus renovation.
Hard money available for Needles deals. Fast closing for investment properties.
Needles apartment buildings use multifamily financing. Commercial loan programs available.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Needles buyers with qualifying income.
USDA loans are ideal for Needles. Zero down payment for rural properties. Income limits apply.
CalHFA plus local DPA can cover full down payment in Needles. Stack programs for maximum assistance.
Maximum local DPA available in Needles. Combine city, county, and state programs.
Maximum grant assistance for Needles. Elite and local programs reduce buyer costs.
Gift of equity works for Needles family sales. Seller discount becomes buyer's down payment.
Co-borrower option for Needles buyers. Family member can help you qualify.
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
Needles sits right on the California-Arizona border where the Colorado River cuts through the Mojave Desert, about 240 miles east of LA. Population is 4,895, median household income $38,368. The homeownership rate here is 57.6%, and at $133,500 median home price, this is one of the most affordable places to buy in all of California. If you're earning around $40K and thought homeownership was out of reach, Needles might be the only place in the state where you can actually qualify for a mortgage without stretching every dollar.
The school district is small and straightforward. Needles High School serves the whole town, along with Needles Elementary and Vista Colorado Elementary. You're not going to find 9-rated schools here, but you've got a tight-knit community where teachers know their students by name. For families buying on modest incomes, the real draw is getting into a home you own instead of renting, building equity while your kids go through school. The low home prices mean your mortgage payment can actually be less than rent in most California cities, which changes the math completely for young families.
Here's the thing about Needles - it's not a big place, so you're looking at two main areas. Downtown Needles runs around $134K for older homes near Broadway and Front Street, where you've got the historic business district and access to the original town character. FHA loans work great here since many properties are older and the price point fits perfectly within FHA limits. Riverfront Area also sits around $134K but gives you Colorado River access and water recreation right in your backyard. Both areas attract buyers using FHA or even USDA loans if they qualify, since conventional lenders sometimes get nervous about small desert markets. The affordability means you can buy with minimal down payment and still keep your monthly housing costs reasonable.
Real talk - you're not commuting to LA or San Francisco from here. The drive to LA is over four hours, to San Francisco it's more than eight. Needles works if you're employed locally or retired, not if you're planning to commute to a major metro. The town sits on historic Route 66 and I-40 runs right through, so you've got easy access east into Arizona or west deeper into California. Local transit exists but this is a car-dependent town. The isolation is exactly why homes cost $133K instead of $500K, so you're trading convenience for affordability that actually lets you qualify for financing.
Needles Unified School District is the biggest employer, followed by Colorado River Medical Center and the City of Needles itself. BNSF Railway has a presence here since this is a historic railroad town, and San Bernardino County provides some government jobs. The job market is limited compared to bigger cities, which keeps incomes modest but also keeps home prices within reach. Most buyers here work in education, healthcare, municipal services, or the railroad. If you've got stable local employment, even at $35-45K annually, you can realistically qualify for a mortgage on a $130-140K home with FHA financing and end up with a payment under $1,000 a month.
Common questions from Needles 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 Needles 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 Needles: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Needles buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Needles 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 Needles 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 Needles families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Needles properties fall within conforming limits, maximizing your financing options.
For Needles'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 Needles. 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 Needles. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Needles. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Needles 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 Needles: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Needles buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Needles. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Needles 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 Needles 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 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Needles properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Needles 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 Needles 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 Needles families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Needles. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Needles. 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 Needles'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 Needles is $690,000 for 2026. Since the median home price in Needles is around $134,000, this limit provides plenty of room for buyers to purchase homes well within the local market range. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
You won't need a jumbo loan in Needles. With a median home price of $134,000 and conforming loan limits at $833,000, virtually all homes here fall well below the threshold that would require jumbo financing. Standard FHA, VA, USDA, and conventional loans will cover any property you're likely to find in the area.
For 2026, San Bernardino County loan limits are $833,000 for conforming and VA loans, and $690,000 for FHA loans. These limits apply to Needles and give buyers in this affordable market plenty of financing flexibility. Since most Needles homes are priced around $134,000, you'll have no trouble staying within these limits.
Yes, VA loans are available in Needles with a loan limit of $833,000, which covers all local properties. Veterans and active military can buy with $0 down, no mortgage insurance, and competitive rates. Given Needles' affordable prices, VA loans offer an excellent path to homeownership for those who've served.
Our No Money Down program offers $0 down payment for qualified buyers in Needles. You can also explore USDA loans which offer zero down for rural properties, CalHFA programs that provide down payment and closing cost assistance, and San Bernardino County housing programs. With the median home price at $134,000, these programs make homeownership very accessible.
You can buy a Needles home with as little as $0 down using USDA or VA loans if you qualify. FHA loans require just 3.5% down (around $4,690 on a $134,000 home), while conventional loans typically need 3. 5% down. Many first. time buyers here combine low down payment loans with assistance programs to minimize upfront costs.
You can qualify for an FHA loan in Needles with a credit score as low as 580, or even 500 with 10% down. USDA loans typically require a 640 minimum, while VA loans are often approved with scores around 580. 620. Given the affordable $134,000 median price, lenders may have flexibility for buyers working to improve their credit.
Choose a lender experienced with rural markets and the loan types that work best in Needles, especially USDA and FHA programs. Look for someone who understands down payment assistance options and can guide first. time buyers through the process. Local knowledge matters in a small market like Needles, so find a lender who knows San Bernardino County programs and can close on time.
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