Mortgage broker serving Palmdale, 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 Palmdale buyers, we match your unique situation to the right program.
First-time buyers in Palmdale 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 Palmdale 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 Palmdale home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Palmdale starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Palmdale 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 Palmdale 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 Palmdale 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: $1,249,125 |
| 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 is the go-to for Palmdale buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Palmdale. VA loans are the best deal for eligible veterans.
Nearly all Palmdale homes qualify for conforming loans. Best rates available for qualified buyers.
Palmdale buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Palmdale buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Palmdale areas. Check rural designation by address.
Bridge loans available for Palmdale transitions. Finance new purchase before selling.
Entity purchase programs for Palmdale. LLC financing for investment properties.
Palmdale FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Palmdale refinances qualify as conforming. Competitive rates with quick approval.
Palmdale veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Palmdale homeowners with equity. Access funds for any purpose.
Palmdale owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Palmdale homeowners. Lump sum with fixed monthly payments.
Palmdale rental properties qualify with DSCR. No personal income verification needed.
Palmdale renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Palmdale commercial. Fast financing for competitive markets.
Apartment financing in Palmdale. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Palmdale buyers with qualifying income.
Palmdale buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Palmdale. City programs plus CalHFA can cover most down payment.
Grant programs for Palmdale first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Palmdale areas. Check rural designation by address.
Gift of equity for Palmdale family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Palmdale buyers qualify. Add parent income to yours.
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
Palmdale sits in the Antelope Valley about 60 miles north of LA, at the edge of the Mojave Desert. Population is 166,895, median household income $78,414. The homeownership rate here is 66.5%, which tells you something important: people aren't just renting here temporarily, they're buying and staying. At $506K median home price, you're paying about $200K less than the LA basin while still being in Los Angeles County. For a household pulling in $75-80K, that difference is what makes homeownership possible instead of theoretical.
The school situation here is part of why families buy instead of rent. Palmdale High, Highland High, and Knight High serve most of the area, and then you've got Palmdale Aerospace Academy for kids interested in STEM and aviation fields. That aerospace focus isn't random - it connects to the local economy and gives kids a direct path to the employers that keep this city stable. When you're looking at a 30-year mortgage, you want to know the schools will help your property hold value. The fact that two-thirds of residents own rather than rent tells you families see long-term value here. And when it comes time to sell, buyers with kids will be looking at the same schools you are now.
Where you buy in Palmdale affects your loan options and what you're getting for your money. Anaverde is a planned community that runs around $506K, which is right at the city median - you're looking at conventional loans here with 5-10% down if your credit is decent, or FHA if you're a first-timer with less saved up. Rancho Vista also sits around that $506K mark, mostly single-family homes that work well with standard conventional financing. The thing about Palmdale is it's still building out, so you'll find newer construction mixed with homes from the 80s and 90s. Newer builds might qualify for better insurance rates and lower maintenance costs, which affects your total monthly payment beyond just the mortgage. Older homes give you more square footage for the dollar but you'll want a solid home inspection before you lock in financing.
The commute to LA is about 68 minutes when traffic cooperates, 64 minutes to Santa Monica, 86 to Long Beach. Here's the thing: that drive is exactly why Palmdale stays at $506K while Pasadena is over a million. You're trading windshield time for a mortgage payment that won't crush you. If you work at one of the aerospace plants here, your commute is local and you're getting the best of both worlds. There's local transit available, but real talk, most people drive. If you're commuting to the basin for work, you need to factor gas and vehicle wear into your monthly budget alongside the mortgage. But even with that cost, you're still coming out ahead compared to renting or buying closer in.
The aerospace industry is what makes Palmdale's economy tick, and that matters for your mortgage approval and long-term property value. Lockheed Martin at Air Force Plant 42, Northrop Grumman, and Boeing provide stable, well-paying jobs that help residents qualify for financing and keep making payments. Palmdale School District and City of Palmdale add public sector stability. When lenders look at the local economy before approving loans, they like seeing major employers that aren't going anywhere. The aerospace presence also means you've got engineers and skilled tradespeople buying homes here, which keeps the market steady. You're not dealing with boom-bust cycles like some California cities. That employment base is why banks feel comfortable lending here and why your home should hold value over the life of your loan.
Common questions from Palmdale 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 Palmdale 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 Palmdale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Palmdale buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Palmdale 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 Palmdale 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 Palmdale 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 Palmdale properties fall within conforming limits, maximizing your financing options.
For Palmdale'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 Palmdale. 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 Palmdale. 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 Palmdale. 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 Palmdale 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 Palmdale: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Palmdale buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Palmdale. 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 Palmdale 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 Palmdale 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 Palmdale properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Palmdale 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 Palmdale 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 Palmdale families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Palmdale. 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 Palmdale. 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 Palmdale'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 Palmdale is $1,250,000 for 2025, which is well above the city's median home price of $506,000. This high limit means you can use FHA financing on virtually any home in Palmdale, making it an excellent option for first. time buyers who want low down payments and flexible credit requirements.
You won't need a jumbo loan in Palmdale since conforming loan limits are $1,250,000 and most homes sell between $450,000 and $600,000. The median home price of $506,000 is well within conventional, FHA, and VA loan limits, giving you access to better rates and terms than jumbo loans offer.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Palmdale and cover the vast majority of homes in the area, giving buyers excellent financing options without needing jumbo loans.
Yes, VA loans are excellent in Palmdale with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. With the median home price at $506,000, you can buy most homes in Palmdale with $0 down and no monthly mortgage insurance, making it one of the best financing options available.
Our No Money Down program offers $0 down payment for qualified buyers in Palmdale. You can also access CalHFA programs that provide up to 3.5% assistance, Los Angeles County DPA grants, and often stack multiple programs together to cover your entire down payment and closing costs.
You can buy a Palmdale home with as little as 3% down on a conventional loan (about $15,000 on a $506,000 home) or 3.5% with FHA (around $17,700). VA loans and our No Money Down program require $0 down, and with strong DPA availability in the area, many first. time buyers purchase with little to no money out of pocket.
You can qualify for an FHA loan in Palmdale with a credit score as low as 580, or even lower in some cases with compensating factors. Conventional loans typically require a 620 minimum for standard programs, though you'll get better rates with scores above 680, and VA loans are often available with scores around 580. 600.
Choose a lender experienced with Palmdale's market who can navigate FHA, VA, and down payment assistance programs that are popular here. Look for competitive rates, responsive communication, and expertise with first. time buyers and credit rebuilding scenarios, since these are common in Palmdale's affordable market.
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