Mortgage broker serving Norwalk, 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 Norwalk buyers, we match your unique situation to the right program.
Norwalk buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Norwalk 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 Norwalk home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Norwalk starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Norwalk 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 Norwalk 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 Norwalk 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 Norwalk buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Norwalk. Low down payment gets you into most properties here.
$0 down for Norwalk veterans. VA loans cover all properties with no PMI required.
Norwalk business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Norwalk. State assistance helps with down payment and closing costs.
Premium Norwalk homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Norwalk sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Norwalk investors. Buy rentals in entity names.
Conforming refinance for Norwalk homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Norwalk. Easiest way to lower your existing FHA rate.
VA streamline refi for Norwalk veterans. Fastest way to reduce your mortgage payment.
Turn Norwalk home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Norwalk homeowners. Access equity without replacing first mortgage.
Norwalk owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Norwalk investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Norwalk projects. Short-term financing for value-add investments.
Multifamily options for Norwalk investors. Finance apartment buildings with commercial loans.
Norwalk 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 Norwalk buyers with qualifying income.
CalHFA programs popular in Norwalk. State assistance helps with down payment and closing costs.
Norwalk has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Norwalk buyers. Down payment assistance with no repayment.
Norwalk family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Norwalk 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
Norwalk sits in the heart of LA County's southeast corridor, about 17 miles from downtown LA. Population is 101,893, median household income $91,259. The homeownership rate here is 67.6%, which tells you something important: families who can afford to buy elsewhere choose to stay. At $759,500 median home price, you're paying real money, but you're getting established neighborhoods with LA County access at a price point that's still $200K-$300K below the Westside. For a household pulling in $90K, you're looking at conventional loans with solid down payments or exploring FHA if you're stretching into your first purchase.
The school situation here is what keeps families anchored once they buy. Norwalk High, John Glenn High, and Excelsior High all serve the community through Norwalk-La Mirada Unified, which happens to be the city's largest employer. That's not a coincidence. When the school district is stable and employing your neighbors, it creates a feedback loop that supports property values. You're not buying into a district that's bleeding families or closing schools. The high ownership rate means most parents around you have mortgages, not month-to-month leases, which translates to more involved school communities and better resale potential when your kids graduate.
Here's the thing about Norwalk: it's not carved into wildly different price tiers like some LA County cities. Central Norwalk runs around $760K, clustered near Norwalk Boulevard where you've got the civic center and commercial activity. North Norwalk hits the same $760K median, mostly residential blocks that feel more suburban. The price consistency across neighborhoods actually simplifies your financing decisions. You're looking at conventional loans with 10-20% down for most properties, and lenders view the whole city pretty uniformly in terms of risk. FHA works if you're a first-timer with strong income but limited savings, though you'll face competition from conventional buyers in this price range. The lack of dramatic neighborhood price swings means appraisals tend to come in clean, which matters when you're trying to close.
The commute situation is what makes that $759K price tag make sense compared to coastal alternatives. You're 25 minutes to downtown LA, 26 minutes to Long Beach, 30 minutes to Irvine, 39 minutes to Santa Monica. Those aren't theoretical times, they're real drives that people make daily. Local transit exists but most buyers here are planning on cars. What you're really buying is geographic flexibility. Work in downtown LA? Easy. Job moves to Orange County? Still doable. That optionality has value, and it's why Norwalk holds steady while single-industry suburbs swing wildly with economic shifts.
Norwalk-La Mirada Unified School District tops the employer list, followed by the City of Norwalk itself and PIH Health Downey nearby. That public sector backbone creates mortgage-friendly employment. Banks like teachers and city workers because the paychecks don't disappear in recessions. The $91K median household income is well above California's average, which means you're buying into a working-class-to-middle-class community where people can actually afford their mortgages. Real talk: when median income supports median home prices without everyone stretching to 50% debt-to-income ratios, you get neighborhood stability. That's what you're seeing in that 67.6% ownership rate.
Common questions from Norwalk 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 Norwalk 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 Norwalk: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Norwalk buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Norwalk 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 Norwalk 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 Norwalk families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Norwalk properties fall within conforming limits, maximizing your financing options.
For Norwalk'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 Norwalk. 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 Norwalk. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Norwalk. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Norwalk 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 Norwalk: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Norwalk buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Norwalk. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Norwalk 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 Norwalk 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Norwalk properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Norwalk 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 Norwalk 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 Norwalk families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Norwalk. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Norwalk. 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 Norwalk'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 Norwalk is $1,250,000 for 2025, which covers most homes in the area since the median price is around $760K. This higher limit reflects Los Angeles County's designation as a high. cost area. You'll be able to finance typical Norwalk properties with just 3.5% down using an FHA loan.
Most Norwalk buyers don't need a jumbo loan since the conforming limit is $1,250,000 and typical homes range from $600K to $900K. You'll only need a jumbo loan if you're purchasing a home above $1.25 million. The majority of properties in Norwalk qualify for conventional, FHA, or VA financing with better rates and terms.
For 2025, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. The 2026 limits haven't been announced yet, but they're typically released in November 2025 and often adjust based on home price trends. These high. cost area limits give Norwalk buyers excellent financing options without needing jumbo loans.
Yes, VA loans are very competitive in Norwalk with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. With most homes priced between $600K and $900K, you can purchase a typical Norwalk property with $0 down and no PMI. VA loans are an excellent option if you qualify for this benefit.
Our No Money Down program offers $0 down payment for qualified buyers in Norwalk. Additionally, CalHFA offers down payment assistance with options like the MyHome Assistance Program providing 3.5% in deferred. payment junior loans, and Los Angeles County has various programs for first. time and moderate. income buyers. These programs can help you purchase a home with minimal upfront costs.
Down payments in Norwalk vary by loan type: FHA requires just 3.5% (about $27K on a $760K home), conventional loans need 3% to 5% for first. time buyers, and VA loans offer $0 down for eligible veterans. With the median home at $760K, you can expect to need between $23K and $38K for conventional or FHA, though assistance programs can reduce this significantly.
You can qualify for an FHA loan in Norwalk with a credit score as low as 580, while conventional loans typically require 620 or higher for the best terms. VA loans are also accessible with scores around 620, though some lenders may approve lower scores. With Norwalk's median home price around $760K, having a 640+ score will give you more loan options and better rates.
Look for a lender experienced with Norwalk's balanced market who offers competitive rates on conforming, FHA, and VA loans since these dominate local financing. Compare loan estimates from multiple lenders, check their familiarity with Los Angeles County programs, and read reviews from other Norwalk buyers. The right lender should understand homes in the $600K to $900K range and offer clear communication throughout the process.
Fill out the form below and we'll reach out to discuss your Norwalk mortgage options.
We respond within 24 hours
