Mortgage broker serving Norco, 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 Norco buyers, we match your unique situation to the right program.
Norco's market straddles the $833K limit, requiring strategic loan structuring.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Norco 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 Norco home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Norco starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Norco 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 Norco 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 Norco 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 Norco buyers. Most homes under $833K with competitive rates.
Strong FHA option in Norco. Low down payment gets you into most properties here.
$0 down for Norco veterans. VA loans cover all properties with no PMI required.
Norco business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Norco. State assistance helps with down payment and closing costs.
Premium Norco homes over $833K require jumbo loans. Less common but available for luxury properties.
Norco sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Norco investors. Buy rentals in entity names.
Conforming refinance for Norco homeowners. Best rates for loans under $833K.
FHA streamline refinance for Norco. Easiest way to lower your existing FHA rate.
VA streamline refi for Norco veterans. Fastest way to reduce your mortgage payment.
Turn Norco home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Norco homeowners. Access equity without replacing first mortgage.
Norco owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Norco investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Norco projects. Short-term financing for value-add investments.
Multifamily options for Norco investors. Finance apartment buildings with commercial loans.
Norco 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 Norco buyers with qualifying income.
CalHFA programs popular in Norco. State assistance helps with down payment and closing costs.
Norco has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Norco buyers. Down payment assistance with no repayment.
Norco family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Norco 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
Norco sits in western Riverside County, about 55 miles east of LA. Population is 25,328, median household income $120,636. The homeownership rate here is 82.7%, one of the highest in Southern California, and there's a reason for that. At $880K median home price, you're looking at a market where buyers have serious equity and long-term commitment. This isn't a starter home market. You'll need strong income and credit to qualify here, but you're buying into a community that's built around horse property and acreage, which holds value differently than typical suburban tracts.
If you're buying with kids in Norco, the school quality matters for both your family and your resale value down the line. Norco High serves the area and has a solid reputation in the Corona-Norco Unified School District. Norco Intermediate feeds into the high school, and the district overall performs well compared to other Inland Empire communities. The presence of Norco College right in town adds educational access without leaving the area. That 82.7% homeownership rate tells you something important: families buy here and stay here, which means stable neighborhoods and neighbors who care about property values. When you're financing an $880K home, you want to know the community around you is invested too.
Where you buy in Norco affects your lot size and what kind of property you can finance. Old Town Norco runs around $880K and gives you the historic core with equestrian-friendly streets and direct trail access. This is where you'll find the original downtown character and properties zoned for horses. Norco Hills sits in the northern part of the city, also around $880K, with hillside lots that tend to be larger and better suited for keeping multiple horses or other livestock. Both areas require conventional or jumbo financing depending on your down payment. The thing about Norco is you're not just buying a house, you're buying land and lifestyle, which means appraisals look at acreage and animal facilities as value drivers. If you're coming from Orange County or LA and selling a smaller property, your equity might cover a solid down payment here, which helps you avoid PMI and get better rates.
The commute to LA runs about 55 minutes if you're heading west on the 91, which isn't terrible for Riverside County. You're close enough to Orange County job centers to make the drive work, and that's part of why Norco commands higher prices than communities further into the Inland Empire. The 15 freeway is accessible for north-south travel, connecting you to Temecula or San Bernardino. Real talk, most buyers here either work in Corona, Riverside, or parts of Orange County, or they've reached a career point where remote work or flexible schedules make the location viable. The commute is the trade-off for acreage and horse property. If you need to be in downtown LA daily, this probably won't work. But if you can swing a few days in the office or work locally, you get space and lifestyle that's impossible to find closer in.
Corona-Norco Unified School District is the largest employer in the area, providing stable public sector jobs with good benefits. The Naval Surface Warfare Center Corona Division brings federal employment and defense contractor work to the region, which adds high-income jobs that support the local housing market. City of Norco and Norco College round out the public sector employment base. The income levels here reflect a mix of professionals who commute to higher-paying jobs in Orange County or LA, along with local government and education workers. That $120K median household income is well above the state average and it needs to be. You're looking at needing roughly $180K-$200K household income to comfortably qualify for an $880K mortgage with 20% down, more if you're putting less down or have other debt.
Here's the thing about Norco: it's called Horsetown USA for a reason, and that's not just marketing. The entire city is zoned and designed around horse ownership, with trails, hitching posts downtown, and properties set up for livestock. George Ingalls Equestrian Event Center hosts shows and competitions that draw people regionally. Hidden Valley Wildlife Area and Pikes Peak Park give you open space and trail access right from your property in many cases. When you're financing a home here, lenders and appraisers understand that barns, arenas, and horse facilities add value rather than being seen as odd improvements. If you're not into horses, you might wonder why you'd pay $880K to live here when you could get more house for less in nearby Corona or Eastvale. But if the equestrian lifestyle is what you want, Norco is one of the few places left in Southern California where it's protected by zoning and culture, and that scarcity supports property values long-term.
Common questions from Norco 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 Norco 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 Norco: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Norco buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Norco 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 Norco 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 Norco 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 Norco properties fall within conforming limits, maximizing your financing options.
For Norco'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 Norco. 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 Norco. 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 Norco. 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 Norco 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 Norco: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Norco buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Norco. 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 Norco 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 Norco 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 Norco properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Norco 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 Norco 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 Norco families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Norco. 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 Norco. 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 Norco'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 Norco is $690,000 for 2026. This covers many homes in the area, though with the median home price at $880,000, you'll need to bring a larger down payment or consider conventional financing for properties above this limit.
You won't need a jumbo loan for most Norco homes priced up to $833,000, which is the conforming loan limit for Riverside County. With the median home price at $880,000, you'll only need a jumbo loan for properties above $833,000, or you could make a larger down payment to stay within conforming limits.
For 2026, Riverside County's loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits apply to single. family homes throughout Norco and the rest of the county.
Yes, VA loans are very competitive in Norco with a loan limit of $833,000 for 2026. This covers a good portion of the market since the median home price is $880,000, and eligible veterans can benefit from $0 down payment and no mortgage insurance.
Our No Money Down program offers $0 down payment for qualified buyers in Norco. You can also explore CalHFA programs that provide down payment and closing cost assistance, as well as Riverside County housing programs designed for first. time and moderate. income buyers.
Down payment requirements vary by loan type in Norco. Conventional loans typically require 3% to 5% down for first. time buyers ($26,400 to $44,000 on an $880,000 home), while FHA loans need 3.5% down and VA loans offer $0 down for eligible veterans.
Most lenders require a minimum credit score of 620 for conventional loans in Norco, while FHA loans can go as low as 580 (or even 500 with 10% down). With the median home price at $880,000, having a score of 680 or higher will help you secure better interest rates and loan terms.
Look for a lender experienced with Norco's balanced market who can offer multiple loan options including conventional, FHA, and VA products. Compare rates and fees from at least three lenders, and choose one who understands the local market dynamics and can close on time in competitive situations.
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