Mortgage broker serving Pomona, 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 Pomona buyers, we match your unique situation to the right program.
Pomona provides attainable homeownership, but buyers face specific financing challenges.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Pomona 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 Pomona home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Pomona starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Pomona 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 Pomona 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 Pomona 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 Pomona buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Pomona. Low down payment gets you into most properties here.
$0 down for Pomona veterans. VA loans cover all properties with no PMI required.
Pomona business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Pomona. State assistance helps with down payment and closing costs.
Premium Pomona homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Pomona sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Pomona investors. Buy rentals in entity names.
Conforming refinance for Pomona homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Pomona. Easiest way to lower your existing FHA rate.
VA streamline refi for Pomona veterans. Fastest way to reduce your mortgage payment.
Turn Pomona home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Pomona homeowners. Access equity without replacing first mortgage.
Pomona owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Pomona investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Pomona projects. Short-term financing for value-add investments.
Multifamily options for Pomona investors. Finance apartment buildings with commercial loans.
Pomona 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 Pomona buyers with qualifying income.
CalHFA programs popular in Pomona. State assistance helps with down payment and closing costs.
Pomona has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Pomona buyers. Down payment assistance with no repayment.
Pomona family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Pomona 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
Pomona sits in the eastern San Gabriel Valley, about 30 miles east of downtown LA. Population is 149,831, median household income $73,515. The homeownership rate here is 53.9%, below the California average but typical for LA County cities where prices have climbed steadily. At $640K median home price, you're looking at a market that's more affordable than Pasadena or Claremont next door, but you'll still need solid income or a healthy down payment to make the numbers work on a conventional loan.
The big draw here is Cal Poly Pomona, which brings 30,000 students and gives the city a college town feel without the college town prices you'd see in San Luis Obispo. For K-12, Pomona High and Garey High both serve the community, and Fremont Academy offers another option for families. The school ratings aren't the highest in the region, which is actually part of why Pomona stays more affordable than neighboring districts. If you're buying with kids, you'll want to factor that into your long-term plans and resale strategy. Western University of Health Sciences adds graduate-level education to the mix, which helps stabilize the local economy and rental market if you're considering an investment property.
Here's the thing about Pomona neighborhoods - they're all hitting around that $640K median, but the product you get varies quite a bit. Phillips Ranch up in the hills gives you newer construction and valley views, mostly single-family homes from the 80s and 90s that appeal to move-up buyers using conventional financing. Downtown Pomona around the Arts Colony has older housing stock with character, Art Deco architecture, and walkability to the Fox Theater and antique shops - you'll see a mix of FHA and conventional loans here, especially with first-time buyers drawn to the urban vibe. Lincoln Park sits in the middle, literally and figuratively, with a mix of housing types around the park itself. At $640K across the board, you're looking at 20% down ($128K) for conventional, or 3.5% down ($22,400) for FHA if you qualify and don't mind the mortgage insurance.
The commute situation is actually one of Pomona's selling points compared to deeper Inland Empire cities. You're 39 minutes to downtown LA, 43 to Irvine, 53 to Long Beach. That's doable for someone working in the basin without the brutal drives you'd face from San Bernardino or Riverside. Local transit exists but most buyers here are counting on cars for daily life. The location works especially well if you're employed at Cal Poly, the hospital, or anywhere in the eastern San Gabriel Valley. You're trading some commute time for a mortgage payment that's $200K-300K less than you'd face in Pasadena or South Pasadena.
Cal Poly Pomona is the anchor employer here with thousands of staff and faculty, plus all the spillover businesses that serve a university community. Pomona Unified School District and the City of Pomona provide public sector stability. Pomona Valley Hospital Medical Center is a major healthcare employer, which matters because healthcare jobs tend to weather economic downturns better than other sectors. Fairplex hosts the LA County Fair every year and brings year-round events and employment. The job mix gives you diversity without relying too heavily on any single industry, which helps property values stay relatively stable even when one sector struggles.
Common questions from Pomona 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 Pomona 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 Pomona: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Pomona buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Pomona 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 Pomona 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 Pomona 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 Pomona properties fall within conforming limits, maximizing your financing options.
For Pomona'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 Pomona. 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 Pomona. 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 Pomona. 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 Pomona 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 Pomona: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Pomona buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Pomona. 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 Pomona 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 Pomona 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 Pomona properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Pomona 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 Pomona 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 Pomona families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Pomona. 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 Pomona. 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 Pomona'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 Pomona is $1,250,000 for 2025, which covers most homes in the area since the median price is around $640,000. This higher limit reflects Los Angeles County's designation as a high. cost area. You'll be able to finance a typical Pomona home with just 3.5% down using an FHA loan.
Most Pomona buyers don't need a jumbo loan since the conforming limit is $1,250,000 and the median home price is $640,000. You'll only need a jumbo loan if you're buying above $1.25 million, which represents the higher end of Pomona's market. The majority of homes in the $600K. $900K range qualify for conventional financing with better rates.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Pomona and all other cities in the county. Final 2026 limits are typically announced in November 2025, but they're expected to remain at or near current levels.
Yes, VA loans are very competitive in Pomona with a loan limit of $1,250,000 and no down payment required for eligible veterans. With most homes priced between $600K. $900K, you can purchase a typical Pomona property with $0 down if you qualify. VA loans also don't require mortgage insurance, which saves you money monthly.
Our No Money Down program offers $0 down payment for qualified buyers in Pomona. You can also explore CalHFA programs that provide down payment and closing cost assistance, as well as Los Angeles County's own DPA programs designed for first. time and moderate. income buyers. With a median income of $73,515, many Pomona residents qualify for these assistance options.
Down payments in Pomona vary by loan type: FHA requires just 3.5% (about $22,400 on a $640K home), conventional loans need 3. 5% for first. time buyers, and VA loans offer $0 down for veterans. With median home prices around $640,000, you're looking at roughly $19,200 to $32,000 for conventional financing, though assistance programs can help cover this.
You can qualify for an FHA loan in Pomona with a credit score as low as 580, while conventional loans typically require 620 or higher. For the best rates on Pomona's median $640K home, aim for 680 or above. VA loans are also flexible with credit requirements, often accepting scores around 600 for eligible veterans.
Look for a lender experienced with Pomona's balanced market and the $600K. $900K price range who can offer multiple loan options including FHA, VA, and conventional products. Compare rates, but also consider their knowledge of local down payment assistance programs and their ability to close on time. A lender familiar with Los Angeles County's specific requirements will help your offer stand out in Pomona's competitive market.
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