Mortgage broker serving Redding, 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 Redding buyers, we match your unique situation to the right program.
First-time buyers in Redding need the right loan programs to maximize their purchasing power.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Redding 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 Redding home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Redding starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Redding 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 Redding 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 Redding 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 dominates Redding purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Redding. State programs reduce out-of-pocket costs significantly.
Veterans buy Redding homes with $0 down. Full VA benefits cover all properties here.
Many Redding properties qualify for USDA zero-down loans. Rural designation required.
All Redding properties qualify for conforming loans. 3% down minimum for first-time buyers.
Redding local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Redding homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Redding. Investors can purchase in entity names.
FHA streamline dominates Redding refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Redding veterans. No paperwork hassles, quick closing.
Many Redding homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Redding refinance qualifies for conforming rates. Best terms for rate reduction.
Redding owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Redding. Predictable payments for major expenses.
DSCR financing for Redding investors. Buy rentals based on property income potential.
Fix-and-flip financing for Redding investors. Buy distressed properties, renovate, sell.
Commercial hard money in Redding. Quick funding when timing is critical.
Multifamily loans available for Redding apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Redding buyers with qualifying income.
CalHFA is a strong option for Redding. State programs reduce out-of-pocket costs significantly.
Redding local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Redding down payment help. Free money for qualified buyers.
Many Redding properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Redding benefit from gift of equity. No cash down payment needed.
Redding first-time buyers often use co-borrowers. Family help for 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
Redding sits at the top of the Central Valley where the Cascade Range meets the Sierra Nevada, about 160 miles north of [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca). Population is 93,327, median household income $67,323. The homeownership rate here is 54.9%, which is below California's average but tells you something important - this is a city where people are still figuring out if they can afford to buy. At $385K median home price, you're looking at one of the most accessible markets in Northern California if you can handle the distance from major job centers.
If you've got kids, Redding gives you options without the Bay Area price tag. Shasta High, Enterprise High, and Foothill High all serve different parts of the city, and Shasta College provides local higher education without the dorm room bill. The school districts here are stable, which matters when you're thinking about resale value five or ten years out. Families who buy in Redding tend to be looking for space and affordability over test scores - you're trading the competitive pressure of metro schools for a place where your mortgage payment won't eat half your income. That lower homeownership rate means there's still rental stock, but it also means less competition when you're ready to make an offer.
Here's the thing about Redding neighborhoods - they all hover around that $385K median, which makes your decision more about lifestyle than stretching your budget. Downtown Redding puts you near the Cascade Theatre and the civic core, good if you want walkability and the historic feel, and conventional loans work fine at this price point. Enterprise on the east side gives you newer commercial development and suburban-style residential, same price range, popular with families using conventional or FHA depending on down payment. West Redding gets you closer to Whiskeytown Lake if outdoor access matters to your quality of life, still around $385K. The tight price clustering means you're picking based on commute and amenities, not whether you can qualify - most buyers in this range can get approved with decent credit and 5-10% down.
Real talk - if you need to commute to [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca) or the Bay Area regularly, Redding won't work for you. That's a 201-minute drive on a good day, over three hours. LA is nearly eight hours south. But that distance is exactly why you can still buy a house here for under $400K while similar homes in Sacramento or Chico cost $150K more. Local transit exists but this is a car town. Most people who buy in Redding either work locally in healthcare, education, or county government, or they've gone remote and want access to outdoor recreation without coastal prices. If your job is tied to the Bay Area office, you're looking at the wrong city. If you can work from anywhere or you've got local employment lined up, that isolation becomes your biggest financial advantage.
The employment picture here is heavily weighted toward healthcare and education, which gives the market stability even when other sectors struggle. Shasta Regional Medical Center and Mercy Medical Center Redding are the big private employers, and healthcare jobs tend to support mortgage qualification since the income is steady and documented. Shasta County government, the community college district, and Redding School District round out the public sector - think teachers, administrators, county workers with reliable W-2 income that lenders love. You won't find tech campuses or major corporate headquarters, but you also won't see the boom-bust cycles that hit markets dependent on one industry. Most buyers here are trading career advancement opportunities for cost of living, which works if you're established in your field or willing to build a life around outdoor access instead of salary growth.
Common questions from Redding 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 Redding 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 Redding: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Redding buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Redding 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 Redding 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 Redding families purchase with minimal upfront cash.
2026 Shasta County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Redding properties fall within conforming limits, maximizing your financing options.
For Redding'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 Redding. 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 Redding. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Shasta County, and structure your purchase to minimize upfront costs.
You still have options in Redding. 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 Shasta County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Redding 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 Redding: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Redding buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Redding. 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 Shasta County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Redding 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 Redding 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 Shasta County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Redding properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Redding 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 Redding 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 Redding families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Redding. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Shasta County, and structure your purchase to minimize upfront costs.
You still have options in Redding. 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 Redding'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 Redding is $541,000 for 2026. This covers virtually all homes in the area since the median price is $385,000, making FHA loans an excellent option for first. time buyers who can put down as little as 3.5%.
You won't need a jumbo loan in Redding for most home purchases. With conforming loan limits at $833,000 and the median home price at $385,000, standard FHA, conventional, and VA loans will cover nearly every property in Shasta County.
Shasta County's 2026 loan limits are $541,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits are more than sufficient for the local market where most homes fall between $300,000 and $450,000.
Yes, VA loans are available in Redding with a loan limit of $833,000, which covers all homes in the area. If you're a qualified veteran or active military, VA loans offer 0% down with no mortgage insurance, making them one of the best options for homebuyers in Shasta County.
Our No Money Down program offers $0 down payment for qualified buyers in Redding. CalHFA programs are also popular here, providing down payment and closing cost assistance for first. time buyers, and some areas of Shasta County may qualify for USDA loans with zero down in rural zones.
You can buy a Redding home with as little as 3.5% down using an FHA loan, which means around $13,500 on a $385,000 home. VA loans and USDA loans offer 0% down options, and down payment assistance programs can help cover most or all of your upfront costs if you qualify.
You can qualify for an FHA loan in Redding with a credit score as low as 580, or even 500 with a larger down payment. Conventional loans typically require a 620 minimum, while VA loans are more flexible and often approve scores in the 580. 600 range depending on the lender.
Choose a lender who understands Redding's entry. level market and has strong experience with FHA loans and down payment assistance programs. Look for someone who can explain CalHFA options and help first. time buyers navigate the process, not just offer the lowest rate without the local expertise you need.
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