Mortgage broker serving Redlands, 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 Redlands buyers, we match your unique situation to the right program.
Redlands buyers compete in a market where strong financing and quick pre-approval win offers.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Redlands 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 Redlands home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Redlands starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Redlands 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 Redlands 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 Redlands 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 Redlands buyers. Most homes under $833K with competitive rates.
Strong FHA option in Redlands. Low down payment gets you into most properties here.
$0 down for Redlands veterans. VA loans cover all properties with no PMI required.
Redlands business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Redlands. State assistance helps with down payment and closing costs.
Premium Redlands homes over $833K require jumbo loans. Less common but available for luxury properties.
Redlands sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Redlands investors. Buy rentals in entity names.
Conforming refinance for Redlands homeowners. Best rates for loans under $833K.
FHA streamline refinance for Redlands. Easiest way to lower your existing FHA rate.
VA streamline refi for Redlands veterans. Fastest way to reduce your mortgage payment.
Turn Redlands home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Redlands homeowners. Access equity without replacing first mortgage.
Redlands owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Redlands investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Redlands projects. Short-term financing for value-add investments.
Multifamily options for Redlands investors. Finance apartment buildings with commercial loans.
Redlands 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 Redlands buyers with qualifying income.
CalHFA programs popular in Redlands. State assistance helps with down payment and closing costs.
Redlands has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Redlands buyers. Down payment assistance with no repayment.
Redlands family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Redlands 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
Redlands sits in the Inland Empire about 65 miles east of LA, tucked against the San Bernardino Mountains. Population is 73,234, median household income $94,473. The homeownership rate here is 58.3%, which is right around the California average, but here's what makes it interesting: at $662K median home price, you're getting a legitimate college town with actual culture and history for about half what you'd pay in comparable Orange County cities. A household pulling in $95K can qualify for a mortgage here with 10-15% down on a conventional loan, which puts you in a real community, not just another subdivision.
The school situation here matters if you're buying long-term. Redlands High and Redlands East Valley High both serve the district, and the presence of University of Redlands right in town changes the whole vibe. You've got a college town feel without the typical college town chaos, which means better resale value when you eventually sell. Families who buy here tend to stay because the schools are stable and the town actually invests in education. That matters when you're comparing this to other Inland Empire options at similar price points. The university also brings cultural programming and events that you don't typically get in cities this size, which helps property values hold steady even when the broader market dips.
Where you buy in Redlands affects your lifestyle more than your loan type, since prices hover around $662K across most areas. Downtown Redlands gives you Victorian architecture, State Street walkability, and tree-lined streets, which is rare in the Inland Empire. You'll use conventional financing here, and the historic character means appraisals tend to hold up better than newer construction when rates spike. University District surrounds the campus with a mix of student rentals and owner-occupied homes, so you'll want to check the specific block before you buy. South Redlands offers more traditional residential neighborhoods with less foot traffic and more yard space. Most buyers in all three areas are putting down 10-20% conventional, though FHA works if you're at the lower end of the price range and can handle the competition.
The commute to LA runs about 65 minutes on I-10, which is the main reason Redlands costs $662K instead of $1.2M like similar towns closer to the coast. You're far enough out that you get breathing room and a real downtown, but close enough that commuting to Ontario, Riverside, or even LA is doable if you have to. Local transit exists but most people drive. If you work remotely or locally, you're in great shape because you get the California lifestyle without the California mortgage payment that requires two tech salaries. The commute time is the trade-off that keeps your monthly payment under $4,500 instead of over $7,000.
Esri, the mapping software giant, is headquartered here and employs a solid chunk of the professional workforce. That's not typical for an Inland Empire city and it matters for property values because you've got high-earning tech workers buying homes locally. University of Redlands and Redlands Unified School District provide stable public sector employment, while Loma Linda University Health and Redlands Community Hospital anchor the healthcare sector. The job mix is more diverse than most Inland Empire cities, which means the local economy doesn't tank when logistics or construction slows down. If you're buying here, you're betting on a town with actual economic fundamentals, not just bedroom community sprawl.
Common questions from Redlands 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 Redlands 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 Redlands: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Redlands buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Redlands 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 Redlands 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 Redlands 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 Redlands properties fall within conforming limits, maximizing your financing options.
For Redlands'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 Redlands. 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 Redlands. 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 Redlands. 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 Redlands 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 Redlands: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Redlands buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Redlands. 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 Redlands 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 Redlands 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 Redlands properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Redlands 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 Redlands 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 Redlands families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Redlands. 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 Redlands. 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 Redlands'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 Redlands is $690,000 for 2026. This covers most homes in the area since the median home price is around $662,000, making FHA loans a solid option for buyers who want lower down payment requirements.
Most buyers in Redlands won't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $662,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of the local market.
For 2026, San Bernardino County loan limits are $690,000 for FHA loans and $833,000 for both conforming and VA loans. These limits give buyers in Redlands plenty of financing options for homes in the typical $600K. $900K range.
Yes, VA loans are very competitive in Redlands with a loan limit of $833,000, which covers virtually all homes in the area. If you're a qualified veteran or active military, you can purchase with $0 down and no PMI, making it one of the best financing options available.
Our No Money Down program offers $0 down payment for qualified buyers in Redlands. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus San Bernardino County's MyHome Assistance Program which offers deferred. payment junior loans to help with upfront costs.
Down payments in Redlands typically range from 3% to 5% for conventional loans ($19,860 to $33,100 on a $662,000 home) and 3.5% for FHA loans (about $23,170). VA loans and our No Money Down program allow qualified buyers to purchase with $0 down, which is popular in this market.
Most lenders require a minimum credit score of 620 for conventional loans and 580 for FHA loans in Redlands. If you have a score of 640 or higher, you'll qualify for better rates and more loan options, which is important in a balanced market where both first. time and move. up buyers compete.
Look for a lender with strong experience in Redlands's $600K. $900K market who can explain your options across FHA, VA, and conventional loans. The right lender should offer competitive rates, understand local down payment assistance programs, and provide clear communication throughout the process so you can close confidently.
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