Mortgage broker serving Rancho Palos Verdes, 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 Palos Verdes buyers, we match your unique situation to the right program.
Financing in Rancho Palos Verdes's premium market demands lenders experienced with jumbo loans above $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Rancho Palos Verdes 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 Palos Verdes home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rancho Palos Verdes starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rancho Palos Verdes 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 Palos Verdes 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 Palos Verdes homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Rancho Palos Verdes home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Rancho Palos Verdes prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Rancho Palos Verdes.
Self-employed? Rancho Palos Verdes bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Rancho Palos Verdes properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Rancho Palos Verdes buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Rancho Palos Verdes buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Rancho Palos Verdes moves. Purchase before your current home sells.
Entity financing for Rancho Palos Verdes investors. Purchase in LLC for asset protection.
Rancho Palos Verdes loans under $1.25M get conforming refinance rates. Best rates available.
Access Rancho Palos Verdes home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Rancho Palos Verdes homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Rancho Palos Verdes veterans. Lower your rate without appraisal or income docs.
Rancho Palos Verdes home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Rancho Palos Verdes homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Rancho Palos Verdes can use DSCR financing. Rental income qualifies the loan.
Rancho Palos Verdes rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Rancho Palos Verdes apartment buildings. Commercial rates for larger properties.
Hard money financing for Rancho Palos Verdes commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Rancho Palos Verdes buyers with qualifying income.
CalHFA programs can help Rancho Palos Verdes first-time buyers. Check income limits for eligibility.
Rancho Palos Verdes family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Rancho Palos Verdes. Family member income helps qualification.
Check Rancho Palos Verdes city programs for additional DPA. May stack with CalHFA for more help.
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 Palos Verdes sits on the Palos Verdes Peninsula in Los Angeles County, about 30 miles south of downtown LA. Population is 41,805, median household income $166,747. The homeownership rate here is 79.8%, one of the highest in LA County, and that tells you everything about who buys here. At $1.65M median home price, you're looking at jumbo loan territory across the board. This isn't where first-time buyers land unless they've got serious equity or family money. It's where established professionals and executives move when they want coastal views, top schools, and a slower pace without leaving the LA metro.
If you're dropping $1.6M-plus on a house, the schools better deliver, and they do. Palos Verdes Peninsula High pulls a 9 rating, Rancho Vista Elementary and Dapplegray Elementary both score 10s, Miraleste Intermediate comes in at 9. These aren't just good scores, they're among the best in LA County, and that matters for resale. When you're financing a jumbo loan on a $2M property, you need confidence the value will hold. The school district is a huge part of that equation. Families buy here and stay here, which is why that ownership rate pushes 80%.
Portuguese Bend runs around $1.6M and it's not for everyone. The area has active landslide zones, which means some properties can't get traditional financing at all. You'll find cash buyers or specialized lenders willing to work with the geology, but conventional and jumbo loans get tricky when the land is literally moving. It's got dramatic ocean views and equestrian trails, but do your homework on what your lender will accept. Eastview also hits that $1.6M mark with better stability, easier financing, and still delivers the coastal views. Most buyers here use jumbo loans with 20-25% down, and you'll want reserves because property taxes and insurance on these homes aren't cheap.
The commute to downtown LA is 47 minutes without traffic, Santa Monica 49 minutes, Long Beach just 29 minutes. Irvine runs about 58 minutes if you're working in Orange County. Here's the thing: you're not dealing with freeway access like other parts of LA. The Peninsula is more isolated, which is part of the appeal but also means you're committed to surface streets for a chunk of your drive. Most buyers here either work flexible schedules, run their own businesses, or have reached a point where the commute matters less than the lifestyle. If you're financing a $2M home, you've probably got the income to make that trade-off work.
Palos Verdes Peninsula Unified School District is the biggest employer, followed by Terranea Resort, the City itself, and Trump National Golf Club. But real talk, most people who buy here don't work locally. You're looking at executives, business owners, professionals in finance or tech who commute to LA, El Segundo, or Orange County. The local economy is stable but small. What matters more is that the broader LA and Orange County job markets are accessible enough to support these home prices. When you're getting a jumbo loan approved, your lender cares about job stability and income, and most buyers here have both locked down before they even start shopping.
Common questions from Rancho Palos Verdes 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 Palos Verdes 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 Palos Verdes: 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 Palos Verdes buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rancho Palos Verdes 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 Palos Verdes 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 Palos Verdes 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 Rancho Palos Verdes properties fall within conforming limits, maximizing your financing options.
For Rancho Palos Verdes'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 Palos Verdes. 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 Palos Verdes. 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 Rancho Palos Verdes. 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 Rancho Palos Verdes 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 Palos Verdes: 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 Palos Verdes buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rancho Palos Verdes. 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 Rancho Palos Verdes 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 Palos Verdes 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 Rancho Palos Verdes properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rancho Palos Verdes 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 Palos Verdes 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 Palos Verdes families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rancho Palos Verdes. 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 Rancho Palos Verdes. 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 Palos Verdes'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 Palos Verdes is $1,250,000 for 2026. This covers many homes in the area, though with a median price of $1.6M, you'll likely need a jumbo loan for higher. priced properties. FHA loans require just 3.5% down with a credit score of 580 or higher.
With a median home price of $1.6M and conforming loan limits at $1,250,000, you'll need a jumbo loan for most properties in Rancho Palos Verdes. Homes priced at $1.25M or below can use high. balance conforming loans, which typically offer better rates and terms. Jumbo loans generally require larger down payments (typically 10. 20%) and stronger credit profiles.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans on single. family homes. This is the high. balance limit that applies to premium markets like Rancho Palos Verdes. Any loan amount above $1,250,000 is considered a jumbo loan with different qualification requirements.
Yes, eligible veterans and service members can use VA loans in Rancho Palos Verdes with no down payment up to the $1,250,000 loan limit. For homes above that price, you'll need a down payment to cover the difference or consider a VA jumbo loan. VA loans don't require mortgage insurance, which can mean significant savings even in this premium market.
Our No Money Down program offers $0 down payment for qualified buyers in Rancho Palos Verdes. For lower. priced properties in the area, CalHFA programs and Los Angeles County DPA options may provide down payment and closing cost assistance. Given the premium pricing with homes typically $1.25M. $2M, these programs are most relevant for properties at the lower end of the market.
Down payment requirements vary by loan type in Rancho Palos Verdes's premium market. Conventional loans typically require 10. 20% ($125K. $320K on a $1.6M median. priced home), while FHA loans need just 3.5% and VA loans offer $0 down up to $1,250,000. For jumbo loans on higher. priced properties, expect 15. 20% down with stronger financial qualifications.
Most lenders require a minimum credit score of 620 for conventional loans in Rancho Palos Verdes, though 700+ is preferred for the best rates on high. balance and jumbo loans. FHA loans accept scores as low as 580, while VA loans typically require 620 or higher. Given the premium market with typical dual. income professional buyers, stronger credit profiles (740+) help secure competitive rates on larger loan amounts.
Look for a lender experienced with Rancho Palos Verdes's premium market and high. balance or jumbo loans, as most properties exceed standard conforming limits. Compare rates, fees, and loan programs across multiple lenders, and choose one who can pre. approve you quickly in this competitive market where homes average $1.6M. A knowledgeable local lender will understand the area's unique pricing and help you navigate larger loan amounts efficiently.
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