Mortgage broker serving Paso Robles, 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 Paso Robles buyers, we match your unique situation to the right program.
Paso Robles'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 Paso Robles 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 Paso Robles home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Paso Robles starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Paso Robles 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 Paso Robles 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 Paso Robles 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 Paso Robles buyers. Most homes under $1M with competitive rates.
Strong FHA option in Paso Robles. Low down payment gets you into most properties here.
$0 down for Paso Robles veterans. VA loans cover all properties with no PMI required.
Paso Robles business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Paso Robles. State assistance helps with down payment and closing costs.
Premium Paso Robles homes over $1M require jumbo loans. Less common but available for luxury properties.
Paso Robles sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Paso Robles investors. Buy rentals in entity names.
Conforming refinance for Paso Robles homeowners. Best rates for loans under $1M.
FHA streamline refinance for Paso Robles. Easiest way to lower your existing FHA rate.
VA streamline refi for Paso Robles veterans. Fastest way to reduce your mortgage payment.
Turn Paso Robles home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Paso Robles homeowners. Access equity without replacing first mortgage.
Paso Robles owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Paso Robles investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Paso Robles projects. Short-term financing for value-add investments.
Multifamily options for Paso Robles investors. Finance apartment buildings with commercial loans.
Paso Robles 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 Paso Robles buyers with qualifying income.
CalHFA programs popular in Paso Robles. State assistance helps with down payment and closing costs.
Paso Robles has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Paso Robles buyers. Down payment assistance with no repayment.
Paso Robles family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Paso Robles 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
Paso Robles sits in the heart of San Luis Obispo County wine country, roughly halfway between LA and San Francisco on the Central Coast. At $750K median home price, this isn't bargain territory, but you're paying for something specific here: small-town character in one of California's prime agricultural regions with a real downtown that actually functions. The wine industry drives everything, which means the local economy runs on tourism, hospitality, and vineyard operations. If you're looking at Paso, you're probably either working in wine, running a remote business, or ready to trade big-city access for quality of life.
The school district serves families buying here for the slower pace and outdoor lifestyle. Paso Robles High and Liberty High give you two options at the high school level, which matters for families with different needs. Flamson Middle and Georgia Brown Elementary anchor the younger grades. The schools aren't going to compete with coastal powerhouses like Palo Alto or Irvine, but they're stable and the district isn't dealing with the budget chaos you see in some rural California areas. When you're financing a $750K purchase, you want to know the schools won't tank your resale value, and the wine country setting keeps demand steady from families cashing out of pricier markets.
Downtown Paso Robles runs around $750K and puts you walking distance to the city square, tasting rooms, and restaurants. You're buying lifestyle here, and lenders see these properties as solid bets because the downtown has actual bones, not just wine tourist veneer. Conventional loans work fine at this price point if you've got 20% down, which is $150K. The Eastside offers residential neighborhoods at similar pricing, more space and quiet, better for families who want the Paso address without the foot traffic. Westside mixes residential and commercial, same price range, appeals to buyers who want easy access to Highway 101 and don't mind a bit more development. At $750K across the board, you're looking at jumbo territory if you can't put down a solid chunk, and most buyers here are coming from equity in pricier California markets.
Here's the thing about Paso Robles: you're three-plus hours from both San Francisco and LA, which means this isn't a commuter town. Highway 101 runs right through, so you've got north-south access, but the distance is real. If your job requires regular trips to either metro, you'll be doing overnights or you'll burn out fast. Most people buying here work locally in wine, hospitality, agriculture, or they've set up remote work situations. The isolation is part of the value proposition. You're not paying $750K to sit in Bay Area traffic. You're paying it to live where people vacation, and that only pencils out if your income isn't tied to daily commuting.
The wine industry is the economic engine, and that affects everything about buying here. Various wineries and vineyards employ a big chunk of the workforce, from cellar workers to hospitality staff to vineyard management. Paso Robles Joint Unified School District and Twin Cities Community Hospital provide stable public sector and healthcare jobs that don't fluctuate with tourist seasons. City of Paso Robles and agriculture operations round out the mix. The job market isn't deep or diverse like you'd find in a city, but it's steady enough to support that $750K median. Most buyers either work in wine directly, serve the wine industry through hospitality or services, or they've brought their income with them from somewhere else. Lenders look at job stability hard here because if the wine tourism ever softens, the whole local economy feels it.
Common questions from Paso Robles 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 Paso Robles 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 Paso Robles: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Paso Robles buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Paso Robles 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 Paso Robles 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 Paso Robles families purchase with minimal upfront cash.
2026 San Luis Obispo County limits: FHA $920,000, Conventional $1,000,500. Any loan above $1,000,500 is a jumbo loan. Most Paso Robles properties fall within conforming limits, maximizing your financing options.
For Paso Robles'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 Paso Robles. 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 Paso Robles. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Luis Obispo County, and structure your purchase to minimize upfront costs.
You still have options in Paso Robles. 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 Luis Obispo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Paso Robles 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 Paso Robles: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Paso Robles buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Paso Robles. 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 Luis Obispo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Paso Robles 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 Paso Robles 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 Luis Obispo County limits: FHA $920,000, Conventional $1,000,500. Any loan above $1,000,500 is a jumbo loan. Most Paso Robles properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Paso Robles 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 Paso Robles 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 Paso Robles families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Paso Robles. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Luis Obispo County, and structure your purchase to minimize upfront costs.
You still have options in Paso Robles. 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 Paso Robles'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 Paso Robles is $920,000 for 2025. This covers most homes in the area, since the median price is around $750,000. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
Most buyers in Paso Robles don't need a jumbo loan since the conforming limit is $1,000,000 and the median home price is $750,000. You'll only need a jumbo loan if you're buying above $1,000,000, which represents the higher end of the local market. Conforming loans typically offer better rates and more flexible terms than jumbo products.
For 2025, San Luis Obispo County loan limits are $1,000,000 for conforming loans, $920,000 for FHA, and $1,000,000 for VA loans. These limits are announced each fall, so 2026 limits will be released in November 2025. Current limits work well for Paso Robles's market where most homes fall in the $600,000 to $900,000 range.
Yes, VA loans are very competitive in Paso Robles with a loan limit of $1,000,000 and no down payment required for eligible veterans. The VA limit covers virtually all homes in the area, making it an excellent option if you qualify. VA loans also don't require mortgage insurance, which saves you money each month compared to conventional or FHA loans.
Our No Money Down program offers $0 down payment for qualified buyers in Paso Robles. CalHFA programs provide down payment and closing cost assistance with options like the MyHome Assistance Program offering up to 3.5% in a deferred. payment junior loan. San Luis Obispo County may also offer local programs for first. time buyers or moderate. income households, and many buyers here combine these programs with FHA or conventional financing.
Down payment requirements in Paso Robles vary by loan type: 3.5% for FHA (about $26,000 on a $750,000 home), 3% for conventional first. time buyer programs, and 0% for VA or USDA loans if you qualify. With the median home at $750,000, most buyers put down between $22,500 and $150,000 depending on their loan program and financial situation.
You can qualify for an FHA loan in Paso Robles with a credit score as low as 580, though 620+ gets you better rates. Conventional loans typically require 620 minimum, while VA loans are more flexible with scores around 580. 600. In this balanced market with homes around $750,000, most successful buyers have scores of 640 or higher to access competitive rates and programs.
Choose a lender experienced with Paso Robles's market and the $600,000 to $900,000 price range common here. Look for someone who offers multiple loan options including FHA, VA, and conventional programs, and can explain down payment assistance that works with your situation. Compare rates and fees from at least three lenders, and prioritize responsiveness since timing matters in this balanced market where good homes still move relatively quickly.
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