Mortgage broker serving Rancho Cordova, 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 Rancho Cordova buyers, we match your unique situation to the right program.
Rancho Cordova offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Rancho Cordova 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 Rancho Cordova home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rancho Cordova starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rancho Cordova 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 Rancho Cordova 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 Rancho Cordova 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: $832,750 |
| 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 Rancho Cordova buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Rancho Cordova. VA loans are the best deal for eligible veterans.
Nearly all Rancho Cordova homes qualify for conforming loans. Best rates available for qualified buyers.
Rancho Cordova buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Rancho Cordova buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Rancho Cordova areas. Check rural designation by address.
Bridge loans available for Rancho Cordova transitions. Finance new purchase before selling.
Entity purchase programs for Rancho Cordova. LLC financing for investment properties.
Rancho Cordova FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Rancho Cordova refinances qualify as conforming. Competitive rates with quick approval.
Rancho Cordova veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Rancho Cordova homeowners with equity. Access funds for any purpose.
Rancho Cordova owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Rancho Cordova homeowners. Lump sum with fixed monthly payments.
Rancho Cordova rental properties qualify with DSCR. No personal income verification needed.
Rancho Cordova renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Rancho Cordova commercial. Fast financing for competitive markets.
Apartment financing in Rancho Cordova. 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 Rancho Cordova buyers with qualifying income.
Rancho Cordova buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Rancho Cordova. City programs plus CalHFA can cover most down payment.
Grant programs for Rancho Cordova first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Rancho Cordova areas. Check rural designation by address.
Gift of equity for Rancho Cordova family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Rancho Cordova 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
Rancho Cordova sits just east of Sacramento in the heart of the capital region. Population is 79,128, median household income $85,099. The homeownership rate here is 58.2%, which is decent for the Sacramento metro area. At $538K median home price, you're looking at a solid middle ground between affordable Sacramento suburbs and pricier Folsom or El Dorado Hills. A household pulling in $85K can qualify for a conventional loan here with 10-15% down, especially if you've got decent credit and manageable debt ratios.
The school situation matters when you're thinking about resale value and long-term equity. Cordova High and Rancho Cordova High serve most of the area, while Kinney High offers an alternative option. Cordova Meadows Elementary pulls families with younger kids. The Folsom Cordova Unified School District runs the show here, and it's one of the larger, more stable districts in the region. That stability translates to consistent property values over time. When you're comparing loan scenarios and monthly payments, remember that homes in decent school zones tend to appreciate faster and sell quicker when life changes and you need to move.
Where you buy in Rancho Cordova affects your financing options and what you get for your money. Mather centers around the former Air Force base that closed in '93 and got redeveloped into business parks and residential areas. You'll find homes around $538K, mix of ages and styles, and conventional loans work fine here. Sunridge offers suburban tract housing at that same $538K median, good for families wanting newer builds with standard financing. Anatolia is the master-planned community on the east side with the newest construction, also running $538K, and it attracts buyers using conventional loans with 5-10% down or VA loans if you qualify. The price consistency across neighborhoods means you're really choosing lifestyle and commute over affordability.
The commute to downtown Sacramento runs about 17 minutes, which is huge for your quality of life and resale potential. You're close enough to state government jobs and the urban core without paying downtown prices. Roseville sits 29 minutes away if you work in tech or retail up there. Highway 50 is your main artery, and light rail runs through parts of the city connecting you to Sacramento's transit system. Here's the thing: that short commute to Sacramento is why Rancho Cordova holds value even when interest rates climb. People will pay a premium to avoid an hour-plus commute, and that keeps demand steady when you go to sell or refinance down the road.
Aerojet Rocketdyne is the big name here, employing thousands in aerospace and defense manufacturing. VSP Vision Care runs a major operation locally, and both companies attract well-paid professionals who can afford conventional financing. Folsom Cordova Unified School District and County of Sacramento provide steady public sector jobs with reliable incomes, which lenders love to see on loan applications. Kaiser Permanente adds healthcare stability to the mix. The job diversity here means the local housing market doesn't tank if one employer has a bad year. That economic base is why you see that $85K median household income, which is well above the state average and makes qualifying for mortgages at the $538K price point realistic for local buyers.
Common questions from Rancho Cordova 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 Rancho Cordova 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 Rancho Cordova: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rancho Cordova buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rancho Cordova 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 Rancho Cordova 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 Rancho Cordova families purchase with minimal upfront cash.
2026 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Rancho Cordova properties fall within conforming limits, maximizing your financing options.
For Rancho Cordova'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 Rancho Cordova. 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 Rancho Cordova. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Rancho Cordova. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rancho Cordova 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 Rancho Cordova: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rancho Cordova buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rancho Cordova. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rancho Cordova 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 Rancho Cordova 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 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Rancho Cordova properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rancho Cordova 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 Rancho Cordova 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 Rancho Cordova families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rancho Cordova. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Rancho Cordova. 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 Rancho Cordova'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 Rancho Cordova is $765,000 for 2025. This limit covers the vast majority of homes in the area, since the median home price is around $538,000. FHA loans are extremely popular here with first. time buyers because they allow down payments as low as 3.5%.
You won't need a jumbo loan for most Rancho Cordova homes. With conforming and FHA limits at $833,000 and $765,000 respectively, and median home prices around $538,000, the majority of properties fall well within standard loan limits. Only higher. end luxury homes would require jumbo financing.
For Sacramento County in 2025, the conforming loan limit is $833,000, the FHA limit is $765,000, and the VA limit is $833,000. These limits apply to Rancho Cordova and cover most homes in the area. These amounts may be adjusted annually based on housing market changes.
Yes, VA loans work exceptionally well in Rancho Cordova with a loan limit of $833,000. If you're a qualified veteran or active. duty service member, you can buy a home here with $0 down and no PMI, which is a huge advantage given the median home price of $538,000. VA loans are one of the best financing options available in this market.
Our No Money Down program offers $0 down payment for qualified buyers in Rancho Cordova. You can also access CalHFA programs that provide down payment and closing cost assistance, and Sacramento County offers additional first. time buyer programs that can often be stacked together. These programs are particularly valuable here since they can help you buy without draining your savings.
You can buy a Rancho Cordova home with as little as 3.5% down using an FHA loan, which means around $19,000 to $21,000 on a median. priced home. Conventional 97 loans also offer 3% down options, and VA loans require $0 down for eligible veterans. With down payment assistance programs, many first. time buyers here put down even less out of pocket.
You can qualify for an FHA loan in Rancho Cordova with a credit score as low as 580, which makes homeownership accessible for credit rebuilders and first. time buyers. Conventional loans typically require a 620 minimum, while VA loans are often flexible with scores around 580. 620. Given the affordable price point here, many buyers with moderate credit can successfully purchase.
Choose a lender experienced with Rancho Cordova's market who understands FHA, VA, and down payment assistance programs that are popular here. Look for someone who can compare multiple loan options for your situation, offers clear communication, and has strong reviews from local buyers. The right lender will help first. time buyers navigate the process and maximize available assistance programs.
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