Mortgage broker serving Newman, 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 Newman buyers, we match your unique situation to the right program.
First-time buyers in Newman need the right loan programs to maximize their purchasing power.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Newman 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 Newman home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Newman starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Newman 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 Newman 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 Newman 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 dominates Newman purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Newman. State programs reduce out-of-pocket costs significantly.
Veterans buy Newman homes with $0 down. Full VA benefits cover all properties here.
Many Newman properties qualify for USDA zero-down loans. Rural designation required.
All Newman properties qualify for conforming loans. 3% down minimum for first-time buyers.
Newman local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Newman homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Newman. Investors can purchase in entity names.
FHA streamline dominates Newman refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Newman veterans. No paperwork hassles, quick closing.
Many Newman homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Newman refinance qualifies for conforming rates. Best terms for rate reduction.
Newman owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Newman. Predictable payments for major expenses.
DSCR financing for Newman investors. Buy rentals based on property income potential.
Fix-and-flip financing for Newman investors. Buy distressed properties, renovate, sell.
Commercial hard money in Newman. Quick funding when timing is critical.
Multifamily loans available for Newman apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Newman buyers with qualifying income.
CalHFA is a strong option for Newman. State programs reduce out-of-pocket costs significantly.
Newman local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Newman down payment help. Free money for qualified buyers.
Many Newman properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Newman benefit from gift of equity. No cash down payment needed.
Newman first-time buyers often use co-borrowers. Family help for 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
Newman sits in the western edge of Stanislaus County, about 20 miles west of Interstate 5 in the Central Valley. Population is 12,275, median household income $76,520. The homeownership rate here is 71.4%, which tells you something important - this is a town where people buy and stay, not rent and leave. At $399,950 median home price, you're looking at one of the last affordable entry points in Central California where a household pulling in $75-80K can actually qualify for a conventional loan on a single-family home without stretching into dangerous debt-to-income ratios.
Newman's school situation is straightforward - you've got Orestimba High School serving the whole town, plus Yolo Middle School and Marguerite Maze Middle School feeding into it. The district is small enough that most parents know the principals by first name, which matters when you're thinking about raising kids here long-term. That 71.4% ownership rate means the majority of families around you have mortgages and property tax bills, so they care about school quality and neighborhood stability. When you're deciding between a $400K house here versus a $550K house in Modesto, the school ratings might not blow you away, but the community investment is real and that affects resale value down the road.
Here's the thing about Newman - it's not big enough to have a bunch of fancy subdivision names. You've got Downtown Newman along the main commercial streets where older homes run around $400K, and then you've got residential areas spreading out from there at basically the same price point. Most properties are single-family homes on decent-sized lots, the kind of place where you can park a work truck or have a real backyard. Conventional loans are the standard here if you've got decent credit and 5-10% down. FHA works great for first-timers, especially if you're coming from the Bay Area or Modesto and trying to get your foot in the door somewhere affordable. The lack of price variation across neighborhoods actually simplifies your search - you're not gambling on which side of town will appreciate faster.
The commute situation is what keeps Newman affordable while Tracy and Modesto keep climbing. You're looking at 57 minutes to Stockton, 95 minutes to Fresno, and nearly 3 hours to Bakersfield on a good day. Interstate 5 is about 20 miles east, which means you're off the main corridor. If you work in agriculture, food processing, or locally in the school district, this location makes perfect sense and you get a $400K mortgage instead of a $600K one. If you're commuting daily to the Bay Area, you'll burn out fast. But for remote workers or people with jobs in the western Central Valley, you're trading convenience for a payment that won't crush you.
Newman's economy runs on three things - schools, farms, and food processing. Newman-Crows Landing Unified School District is the largest employer, which gives you stable public sector jobs with benefits. Agricultural operations dominate the surrounding area, and food processing facilities turn those crops into products, creating year-round work beyond seasonal farm labor. The job base isn't flashy, but it's steady, and that matters when you're looking at a 30-year mortgage. Real talk - you won't find tech jobs or corporate headquarters here. But if you work in ag, education, logistics, or processing, your income goes a lot further on a $400K house than it would on a $700K house closer to the Bay Area. That's why 71% of people here own instead of rent.
Common questions from Newman 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 Newman 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 Newman: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Newman buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Newman 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 Newman 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 Newman families purchase with minimal upfront cash.
2026 Stanislaus County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Newman properties fall within conforming limits, maximizing your financing options.
For Newman'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 Newman. 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 Newman. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Stanislaus County, and structure your purchase to minimize upfront costs.
You still have options in Newman. 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 Stanislaus County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Newman 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 Newman: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Newman buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Newman. 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 Stanislaus County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Newman 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 Newman 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 Stanislaus County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Newman properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Newman 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 Newman 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 Newman families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Newman. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Stanislaus County, and structure your purchase to minimize upfront costs.
You still have options in Newman. 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 Newman'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 Newman is $541,000 for 2025. Since most homes in Newman are priced between $300K and $450K, you'll have plenty of room under the FHA limit. This makes FHA loans an excellent option for first. time buyers in the area who can qualify with as little as 3.5% down.
You won't need a jumbo loan in Newman. With a median home price around $400K and most homes under $450K, you're well below the conforming loan limit of $833,000. Standard FHA, conventional, and VA loans will cover virtually every home in Newman's market.
For 2025, Stanislaus County loan limits are $541,000 for FHA loans and $833,000 for both conventional conforming and VA loans. The 2026 limits typically get announced in November 2025, but given Newman's entry. level pricing around $400K, current limits provide plenty of coverage for local buyers.
Yes, VA loans are available in Newman with a loan limit of $833,000, which covers all homes in the area. If you're a qualified veteran or active military, VA loans offer incredible benefits including 0% down and no mortgage insurance, making homeownership much more affordable on Newman's median income of around $76,520.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Newman. CalHFA programs are also game. changers here, offering down payment and closing cost assistance for first. time buyers. Some areas of Newman may even qualify for USDA loans with zero down, and Stanislaus County offers additional local DPA programs perfect for buyers with limited savings.
You can buy a home in Newman with as little as 3.5% down using an FHA loan, which means around $14,000 on a $400K home. However, with our No Money Down program or VA loans for veterans, you could purchase with $0 down. Down payment assistance programs through CalHFA can also cover most or all of your down payment if you qualify.
You can qualify for an FHA loan in Newman 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, while VA loans are more flexible. Given Newman's entry. level market and focus on first. time buyers, lenders here regularly work with buyers in the 580. 680 range.
Choose a lender experienced with Newman's entry. level market who understands FHA loans and down payment assistance programs like CalHFA. You'll want someone who can explain all your $0 down options and help maximize your buying power on a median income around $76,520. Look for lenders with strong local knowledge of Stanislaus County programs and a track record of helping first. time buyers succeed.
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