Mortgage broker serving Rancho Cucamonga, 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 Cucamonga buyers, we match your unique situation to the right program.
Rancho Cucamonga's market hovers near the $833K limit, making loan structuring critical for best rates.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Rancho Cucamonga 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 Cucamonga home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rancho Cucamonga starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rancho Cucamonga 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 Cucamonga 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 Cucamonga 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 Rancho Cucamonga buyers. Most homes under $833K with competitive rates.
Strong FHA option in Rancho Cucamonga. Low down payment gets you into most properties here.
$0 down for Rancho Cucamonga veterans. VA loans cover all properties with no PMI required.
Rancho Cucamonga business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Rancho Cucamonga. State assistance helps with down payment and closing costs.
Premium Rancho Cucamonga homes over $833K require jumbo loans. Less common but available for luxury properties.
Rancho Cucamonga sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Rancho Cucamonga investors. Buy rentals in entity names.
Conforming refinance for Rancho Cucamonga homeowners. Best rates for loans under $833K.
FHA streamline refinance for Rancho Cucamonga. Easiest way to lower your existing FHA rate.
VA streamline refi for Rancho Cucamonga veterans. Fastest way to reduce your mortgage payment.
Turn Rancho Cucamonga home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Rancho Cucamonga homeowners. Access equity without replacing first mortgage.
Rancho Cucamonga owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Rancho Cucamonga investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Rancho Cucamonga projects. Short-term financing for value-add investments.
Multifamily options for Rancho Cucamonga investors. Finance apartment buildings with commercial loans.
Rancho Cucamonga 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 Rancho Cucamonga buyers with qualifying income.
CalHFA programs popular in Rancho Cucamonga. State assistance helps with down payment and closing costs.
Rancho Cucamonga has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Rancho Cucamonga buyers. Down payment assistance with no repayment.
Rancho Cucamonga family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Rancho Cucamonga 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
Rancho Cucamonga sits in the western San Bernardino County foothills, about 40 miles east of downtown LA. Population is 174,696, median household income $105,534. The homeownership rate here is 63.3%, and at $785K median home price, you're looking at one of the pricier spots in the Inland Empire. But here's the thing: that price buys you good schools, established neighborhoods, and a commute to LA that's actually doable at 51 minutes. For households pulling in six figures, this is where you can still get a single-family home without going full jumbo loan territory.
The school situation here is a major reason people stretch their budgets to buy in Rancho Cucamonga. You've got four solid high schools: Rancho Cucamonga High, Los Osos, Alta Loma, and Etiwanda. All four pull strong ratings and the district has a reputation that directly impacts your property values. When you're looking at a $785K purchase, you want to know resale will hold, and good schools are your insurance policy on that. Families move here specifically for the schools, which means when you sell, you'll have buyers willing to pay for that same access. The Chaffey Joint Union High School District is actually the city's largest employer, so the community investment in education is real and visible.
Where you buy in Rancho Cucamonga doesn't change the price much since everything clusters around that $785K median, but it does change your lifestyle and what you're financing. Alta Loma in the north gives you hillside locations and foothill views, older established homes that often need some work factored into your loan amount. Etiwanda, also northern, has its own community identity with newer builds mixed in, and you'll see more conventional 20% down buyers here. Victoria in the central area puts you near Victoria Gardens, the main shopping and entertainment hub, which matters if walkability and amenities affect your quality of life calculations. At this price point, most buyers are putting down conventional loans with 15-20% to avoid PMI, though you'll see some higher earners going 10% down and just paying the insurance to keep cash liquid.
The 51-minute commute to LA is the whole reason Rancho Cucamonga commands these prices while staying below Orange County or Pasadena levels. You're close enough to make the drive work if you've got a job in the basin, but far enough out that you can actually afford a house on a professional salary. The I-10 runs along the southern edge and connects you west toward LA or east into the rest of the Inland Empire. Real talk: if both spouses are commuting to LA daily, that's two hours a day in the car, so factor that into whether the mortgage savings vs. closer-in areas actually pencil out for your situation. But if one of you works locally or remotely, this location makes a lot more sense financially.
The local job market here is more diverse than typical Inland Empire cities, which helps stabilize property values. Chaffey Joint Union High School District is the biggest employer, followed by Coca-Cola's distribution facility, Kaiser Permanente, and the City of Rancho Cucamonga itself. You've got a mix of education, healthcare, logistics, and municipal jobs that aren't going anywhere. That employment stability matters when you're taking on a $630K mortgage after 20% down. The truth is most buyers here either work locally in these sectors or commute west to higher-paying jobs in LA or Orange County and use that income to qualify for the higher loan amounts these homes require.
Common questions from Rancho Cucamonga 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 Cucamonga 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 Cucamonga: 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 Cucamonga buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rancho Cucamonga 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 Cucamonga 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 Cucamonga 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 Rancho Cucamonga properties fall within conforming limits, maximizing your financing options.
For Rancho Cucamonga'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 Cucamonga. 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 Cucamonga. 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 Rancho Cucamonga. 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 Rancho Cucamonga 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 Cucamonga: 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 Cucamonga buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rancho Cucamonga. 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 Rancho Cucamonga 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 Cucamonga 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 Rancho Cucamonga properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rancho Cucamonga 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 Cucamonga 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 Cucamonga families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rancho Cucamonga. 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 Rancho Cucamonga. 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 Cucamonga'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 Cucamonga is $690,000 for 2026. This covers most homes in the area since the median price is around $785K, though you'll need a larger down payment or alternative financing for homes above this limit. FHA loans are popular here for buyers who want lower down payment options with credit scores as low as 580.
You won't need a jumbo loan for most homes in Rancho Cucamonga since the conforming loan limit is $833,000 and the median home price is $785K. Only homes priced above $833K require jumbo financing, which represents a smaller portion of the market here. The higher conforming limits in San Bernardino County make conventional financing accessible for most buyers.
San Bernardino County's 2026 loan limits are $833,000 for conforming loans, $690,000 for FHA loans, and $833,000 for VA loans. These limits apply to single. family homes throughout the county, including Rancho Cucamonga. The conforming and VA limits increased from previous years, giving buyers more purchasing power without needing jumbo loans.
Yes, VA loans are very competitive in Rancho Cucamonga with a loan limit of $833,000, which covers the vast majority of homes in the area. Veterans and active military can purchase at the median price of $785K with $0 down and no PMI, making it one of the best financing options available. VA loans are widely accepted by sellers here and offer significant savings over conventional financing.
Our No Money Down program offers $0 down payment for qualified buyers in Rancho Cucamonga. Additionally, CalHFA offers down payment assistance programs with grants and deferred. payment junior loans, and San Bernardino County provides local assistance programs for first. time and moderate. income buyers. These programs can be combined with FHA, conventional, or VA loans depending on your situation.
Down payments in Rancho Cucamonga typically range from 0% to 20% depending on your loan type. VA loans and our No Money Down program require $0 down, FHA loans need just 3.5% (about $27,500 on a $785K home), and conventional loans start at 3% for first. time buyers. Putting down 20% ($157K on the median. priced home) eliminates PMI but isn't required.
Most buyers in Rancho Cucamonga can qualify with a credit score of 620 or higher for conventional loans, while FHA loans accept scores as low as 580 with 3.5% down. VA loans typically require around 580. 620 depending on the lender. If you're near the median home price of $785K, lenders generally prefer seeing scores of 640+ for the best rates and terms.
Choose a lender experienced with Rancho Cucamonga's balanced market who can offer multiple loan options including conforming, FHA, and VA products. Look for competitive rates, clear communication, and expertise with down payment assistance programs that work well at the $600K. $900K price range. A local lender who understands San Bernardino County's loan limits and can close on time will give you an edge in this market.
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