Mortgage broker serving Ontario, 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 Ontario buyers, we match your unique situation to the right program.
Ontario's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Ontario 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 Ontario home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Ontario starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Ontario 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 Ontario 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 Ontario 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 Ontario buyers. Most homes under $833K with competitive rates.
Strong FHA option in Ontario. Low down payment gets you into most properties here.
$0 down for Ontario veterans. VA loans cover all properties with no PMI required.
Ontario business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Ontario. State assistance helps with down payment and closing costs.
Premium Ontario homes over $833K require jumbo loans. Less common but available for luxury properties.
Ontario sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Ontario investors. Buy rentals in entity names.
Conforming refinance for Ontario homeowners. Best rates for loans under $833K.
FHA streamline refinance for Ontario. Easiest way to lower your existing FHA rate.
VA streamline refi for Ontario veterans. Fastest way to reduce your mortgage payment.
Turn Ontario home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Ontario homeowners. Access equity without replacing first mortgage.
Ontario owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Ontario investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Ontario projects. Short-term financing for value-add investments.
Multifamily options for Ontario investors. Finance apartment buildings with commercial loans.
Ontario 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 Ontario buyers with qualifying income.
CalHFA programs popular in Ontario. State assistance helps with down payment and closing costs.
Ontario has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Ontario buyers. Down payment assistance with no repayment.
Ontario family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Ontario 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
Ontario sits in the western Inland Empire, right where San Bernardino County meets LA County. Population is 176,326, median household income $78,070. The homeownership rate here is 55.7%, which tells you this is more of a mixed market than the outer desert communities. At $665K median home price, you're paying more than Apple Valley but getting something crucial: you're 45 minutes from LA instead of two hours, and you've got Ontario International Airport, massive logistics employers, and real infrastructure. For a household pulling in $75-85K, you'll need to stretch or look at FHA options, but you're buying into an actual economic hub.
The school ratings here are genuinely strong, which matters when you're comparing mortgage payments to what you get. Elderberry Elementary pulls a 9, Chaffey High and Colony High both rate 8s, Ontario High a 7. These aren't just numbers. Better schools mean better resale value when you sell in seven or ten years, and they mean families compete for homes in those attendance zones. If you're buying in North Ontario or Ontario Ranch near the top-rated schools, expect to pay a premium but know that premium protects your investment. The Chaffey Joint Union High School District is stable and well-funded, which keeps property values steadier than districts with constant budget drama.
Where you buy in Ontario changes your financing strategy completely. Downtown Ontario runs $580K-$720K, mix of historic homes and new infill development, and you'll see both conventional loans and FHA buyers here depending on down payment situation. Ontario Ranch is the family magnet at $750K-$950K, newer master-planned builds in the foothills with HOAs and community amenities. That price range usually means conventional loans with 10-20% down, sometimes jumbo if you're pushing $900K+. North Ontario offers the best value at $620K-$780K, established neighborhoods with mature trees and no HOA fees eating your monthly budget. Airport Area sits at $590K-$740K, growing fast with new construction near ONT, and the freeway access makes it popular with buyers who commute or travel for work. FHA and conventional loans both work well in the lower price tiers here.
Here's the thing about Ontario: location is the whole value proposition. You're 45 minutes to LA on a decent traffic day, which makes this viable for Westside or downtown commuters who can't stomach $900K for a condo. Ontario International Airport means you're not driving to LAX, and if you travel for work, that's worth real money in time and sanity. The freeway access is legitimately good with multiple routes into LA County or deeper into the Inland Empire. Public transit exists but let's be honest, you're driving. The commute time is why Ontario costs $665K while Rancho Cucamonga next door pushes $750K and anything in LA County proper is $850K minimum for comparable square footage.
The employment base here is what separates Ontario from bedroom communities. Ontario International Airport isn't just a landmark, it's a major employer and economic engine. UPS runs a massive air hub, Amazon has fulfillment centers, FedEx Ground has operations here. This is logistics central for Southern California, which means steady blue-collar and white-collar jobs that don't disappear in recessions. Kaiser Permanente provides healthcare jobs, Chaffey Joint Union High School District offers public sector stability. The truth is, plenty of Ontario buyers work locally instead of commuting to LA, and that job diversity supports property values even when the broader market softens. When you're deciding between a shorter commute and a lower mortgage payment, having actual career options locally changes the math.
Common questions from Ontario 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 Ontario 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 Ontario: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Ontario buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Ontario 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 Ontario 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 Ontario 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 Ontario properties fall within conforming limits, maximizing your financing options.
For Ontario'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 Ontario. 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 Ontario. 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 Ontario. 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 Ontario 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 Ontario: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Ontario buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Ontario. 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 Ontario 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 Ontario 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 Ontario properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Ontario 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 Ontario 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 Ontario families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Ontario. 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 Ontario. 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 Ontario'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 Ontario is $690,000 for 2026, which covers most homes in the area since the median price is around $665,000. This makes FHA loans a competitive option for first. time buyers and those with smaller down payments in San Bernardino County. You'll need just 3.5% down with a credit score of 580 or higher to qualify.
Most buyers in Ontario don't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $665,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of Ontario's market. Conforming loans offer better rates and terms for the majority of homes here.
For 2026, San Bernardino County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits comfortably cover Ontario's typical home price range of $600,000 to $900,000. The higher limits give buyers plenty of financing options without needing jumbo loans.
Yes, VA loans are very competitive in Ontario with a loan limit of $833,000, which covers virtually all homes in the area. Eligible veterans and service members can finance up to this amount with $0 down payment and no monthly mortgage insurance. This makes VA loans one of the best options available for qualified buyers in San Bernardino County.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Ontario. Additional options include CalHFA programs offering down payment and closing cost assistance, plus San Bernardino County's local DPA programs designed for first. time and moderate. income buyers. These programs can be combined with FHA, VA, or conventional loans depending on your situation.
Down payments in Ontario vary by loan type: you can put down as little as 3% on a conventional loan ($19,950 on a $665,000 home), 3.5% with FHA ($23,275), or $0 with VA or USDA loans if you qualify. With the median home at $665,000, most buyers in Ontario's balanced market put down between 3% and 10%. Our No Money Down program can also help qualified buyers purchase with $0 down.
Most lenders in Ontario require a minimum credit score of 620 for conventional loans, though you can qualify for FHA loans with scores as low as 580 (or even 500 with 10% down). With Ontario's median home price at $665,000, a score of 640 or higher will get you better interest rates and more loan options. VA loans typically require at least 580. 620 depending on the lender.
Choose a lender experienced with Ontario's balanced market who can offer multiple loan options including FHA, VA, and conventional programs suited to the $600K. $900K price range. Look for competitive rates, clear communication, and expertise with down payment assistance programs that work well for both first. time and move. up buyers. Getting pre. approved quickly matters in Ontario's market, so responsiveness and local knowledge are key.
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