Mortgage broker serving Rialto, 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 Rialto buyers, we match your unique situation to the right program.
Rialto buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Rialto 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 Rialto home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rialto starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rialto 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 Rialto 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 Rialto 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 Rialto buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Rialto. VA loans are the best deal for eligible veterans.
Nearly all Rialto homes qualify for conforming loans. Best rates available for qualified buyers.
Rialto buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Rialto buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Rialto areas. Check rural designation by address.
Bridge loans available for Rialto transitions. Finance new purchase before selling.
Entity purchase programs for Rialto. LLC financing for investment properties.
Rialto FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Rialto refinances qualify as conforming. Competitive rates with quick approval.
Rialto veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Rialto homeowners with equity. Access funds for any purpose.
Rialto owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Rialto homeowners. Lump sum with fixed monthly payments.
Rialto rental properties qualify with DSCR. No personal income verification needed.
Rialto renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Rialto commercial. Fast financing for competitive markets.
Apartment financing in Rialto. 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 Rialto buyers with qualifying income.
Rialto buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Rialto. City programs plus CalHFA can cover most down payment.
Grant programs for Rialto first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Rialto areas. Check rural designation by address.
Gift of equity for Rialto family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Rialto 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
Rialto sits right in the heart of San Bernardino County, about an hour east of LA when traffic cooperates. Population is 103,873, median household income $80,750. The homeownership rate here is 62.9%, which tracks pretty well for the Inland Empire. At $566K median home price, you're looking at real money compared to the High Desert, but still a solid $200-300K less than coastal California. A household pulling in $80K can realistically qualify here with decent credit and a conventional loan, especially if you've saved up 10-15% down.
If you've got kids or you're planning for resale down the line, the school ratings matter. Eisenhower High pulls a 7, which is respectable for the area. Kolb Middle also hits a 7, while Carter High and Rialto High both sit at 6. Not elite numbers, but solid enough that families aren't fleeing the district. The thing is, stable schools mean stable property values. When you're putting down $50K-$100K and signing a 30-year note, you want to know the neighborhood won't crater because everyone's pulling their kids out. That 62.9% ownership rate tells you most people here are invested long-term, not just renting and bouncing.
Where you buy in Rialto changes what you'll pay and how you'll finance it. North Rialto runs $520K-$620K, established homes with mature trees and decent lot sizes. Conventional loans work great here if you've got the down payment and credit score. South Rialto sits at $540K-$600K, newer builds that attract families who commute west, and FHA loans are common with first-timers putting down 3.5%. Downtown Rialto is your entry point at $480K-$580K, mix of older stock and revitalization projects. This is where you'll see more creative financing, sometimes even FHA 203k loans if you're willing to do some work. Renaissance over on the west side is the premium play at $580K-$650K, master-planned with HOA fees that'll add $200-400 to your monthly nut. Jumbo territory if you're stretching, but most buyers here use conventional with 15-20% down.
The commute to LA is about 62 minutes if you time it right, which is doable but not nothing. You're looking at the I-10 corridor mostly, and yeah, it gets ugly during rush hour. But here's the thing. That commute is exactly why Rialto costs $566K instead of $900K like you'd pay in Pasadena or Burbank. If you work remotely two or three days a week, or if you've got a job in Ontario or Riverside, the location actually makes a ton of sense. You get reasonable proximity to LA without paying the LA premium. Local transit exists but most buyers here are planning on two cars, so factor that into your debt-to-income when you're getting pre-approved.
Rialto's economy runs on logistics and public sector work. Amazon, Walmart, and Target all have distribution centers here, which means steady blue-collar jobs with benefits. Rialto Unified School District and the City of Rialto provide stable government employment. Kaiser Permanente adds healthcare jobs to the mix. The job base isn't flashy, but it's consistent, and that matters when you're a lender looking at employment stability in the area. Most buyers here either work locally in warehousing, education, or healthcare, or they're commuting west to better-paying jobs and using Rialto as their way into homeownership. The income-to-price ratio actually works if you're not trying to buy on a single $50K salary.
Common questions from Rialto 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 Rialto 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 Rialto: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rialto buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rialto 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 Rialto 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 Rialto 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 Rialto properties fall within conforming limits, maximizing your financing options.
For Rialto'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 Rialto. 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 Rialto. 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 Rialto. 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 Rialto 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 Rialto: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rialto buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rialto. 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 Rialto 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 Rialto 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 Rialto properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rialto 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 Rialto 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 Rialto families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rialto. 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 Rialto. 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 Rialto'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 Rialto is $690,000 for 2026, which covers nearly all homes in the area since the median price is around $566,000. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments, as you'll only need 3.5% down with a credit score of 580 or higher.
You won't need a jumbo loan for most Rialto homes since the conforming loan limit is $833,000 and typical homes range from $450,000 to $600,000. Only if you're purchasing a luxury property above $833,000 would you need jumbo financing, which is rare in this affordable market.
For 2026, San Bernardino County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are well above Rialto's median home price of $566,000, giving buyers plenty of financing options without needing jumbo loans.
Yes, VA loans are an excellent option in Rialto with a loan limit of $833,000, which covers all typical homes in the area. If you're a qualified veteran or active military, you can buy with $0 down, no mortgage insurance, and competitive rates, making homeownership very accessible in this affordable market.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. You can also explore CalHFA programs offering down payment and closing cost assistance, San Bernardino County housing programs, and often stack multiple programs together to maximize your benefits as a first. time buyer or credit rebuilder.
You can buy a Rialto home with as little as 3.5% down using an FHA loan (about $19,800 on a $566,000 home) or 3% down with Conventional 97 (around $17,000). VA. eligible buyers and those using our No Money Down program can purchase with $0 down, and down payment assistance programs can help cover these costs entirely.
You can qualify for an FHA loan in Rialto with a credit score as low as 580, which is perfect for first. time buyers and credit rebuilders common in this market. Conventional loans typically require a 620 minimum, while VA loans are more flexible and our No Money Down program works with scores starting around 620.
Look for a lender experienced with Rialto's affordable market who understands FHA loans, down payment assistance programs, and can help first. time buyers navigate the process. The right lender should offer multiple loan options, explain how to stack DPA programs, and provide clear guidance on credit requirements since many Rialto buyers are building or rebuilding credit.
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