Mortgage broker serving Rio Vista, 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 Rio Vista buyers, we match your unique situation to the right program.
In Rio Vista's market, the right loan program can save thousands over the life of your mortgage.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Rio Vista 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 Rio Vista home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rio Vista starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rio Vista 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 Rio Vista 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 Rio Vista 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 Rio Vista buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Rio Vista. VA loans are the best deal for eligible veterans.
Nearly all Rio Vista homes qualify for conforming loans. Best rates available for qualified buyers.
Rio Vista buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Rio Vista buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Rio Vista areas. Check rural designation by address.
Bridge loans available for Rio Vista transitions. Finance new purchase before selling.
Entity purchase programs for Rio Vista. LLC financing for investment properties.
Rio Vista FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Rio Vista refinances qualify as conforming. Competitive rates with quick approval.
Rio Vista veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Rio Vista homeowners with equity. Access funds for any purpose.
Rio Vista owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Rio Vista homeowners. Lump sum with fixed monthly payments.
Rio Vista rental properties qualify with DSCR. No personal income verification needed.
Rio Vista renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Rio Vista commercial. Fast financing for competitive markets.
Apartment financing in Rio Vista. 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 Rio Vista buyers with qualifying income.
Rio Vista buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Rio Vista. City programs plus CalHFA can cover most down payment.
Grant programs for Rio Vista first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Rio Vista areas. Check rural designation by address.
Gift of equity for Rio Vista family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Rio Vista 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
Rio [Vista](/mortgage-loans-and-refinance-in-vista-ca) sits where the [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca) River meets the Delta, about an hour east of [Oakland](/mortgage-loans-and-refinance-in-oakland-ca). Population is 10,074, median household income $83,538. The homeownership rate here is 80.3%, one of the highest in the Bay Area, and that tells you something important. At $477K median home price, you're looking at Bay Area access without San Francisco sticker shock. A household pulling in $80-90K can actually qualify for a mortgage here on a single-family home, which is basically impossible in most of the region.
If you're buying with kids in mind, Rio Vista Unified serves the whole town, which keeps things simple. Rio Vista High School anchors the district, with Rio Vista Middle and Riverview Middle feeding into it, plus H.A. Willey Elementary for the younger ones. The district is small, which means your property taxes support local schools directly, not some massive bureaucracy. That 80.3% ownership rate means most families stick around once they buy, so you're not dealing with constant neighborhood turnover. When you're thinking resale value down the road, stable school enrollment and community investment matter more than test score rankings.
Here's the thing about Rio Vista - it's small enough that price ranges don't vary wildly by neighborhood. Downtown Rio Vista runs around $477K, mostly older homes with character along Main Street near the Sacramento River waterfront, walking distance to local shops and restaurants. Conventional loans work well here if you've got the 20% down, but FHA is common for first-timers who want that downtown walkability. Delta Marina area also hits that $477K mark, focused on waterfront living and boat access at Delta Marina Yacht Harbor. If you're financing a waterfront property with a dock or marina slip, your lender will want to verify flood insurance and sometimes treat the dock as part of the collateral. The whole town skews toward buyers who want Delta lifestyle without Sacramento or Bay Area commute pricing.
The commute to Oakland takes about 56 minutes on a decent day, [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca) 69 minutes, [San Jose](/mortgage-loans-and-refinance-in-san-jose-ca) 86 minutes. That's the trade you're making - an hour-ish commute for a mortgage payment that's $200-300K less than equivalent Bay Area suburbs. SR-12 is your main artery connecting to I-80 and the rest of the region. If you work in tech and your company went hybrid or remote, Rio Vista suddenly makes a lot of sense financially. If you're commuting five days a week to Palo Alto at 94 minutes each way, you'll want to factor gas and wear into your housing budget math. Local transit exists but most buyers here are counting on two cars.
Rio Vista Unified School District is the biggest employer, followed by City of Rio Vista and Solano County government offices scattered around town. Delta [Marina](/mortgage-loans-and-refinance-in-marina-ca) businesses provide seasonal and year-round work tied to boating and recreation. Local agriculture operations still employ people in the surrounding area, though that's shrunk over the years. Real talk - most buyers here either work locally in public sector or education jobs, or they're commuting to the Bay Area for higher pay and banking that salary difference on a cheaper mortgage. The job mix is stable but not growing fast, which keeps home prices reasonable compared to exploding markets like Walnut Creek or Pleasanton.
Common questions from Rio Vista 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 Rio Vista 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 Rio Vista: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rio Vista buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rio Vista 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 Rio Vista 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 Rio Vista families purchase with minimal upfront cash.
2026 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Rio Vista properties fall within conforming limits, maximizing your financing options.
For Rio Vista'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 Rio Vista. 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 Rio Vista. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Rio Vista. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rio Vista 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 Rio Vista: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rio Vista buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rio Vista. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rio Vista 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 Rio Vista 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 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Rio Vista properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rio Vista 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 Rio Vista 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 Rio Vista families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rio Vista. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Rio Vista. 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 Rio Vista'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 Rio Vista is $725,000 for 2026, which covers virtually all homes in the area since the median price is around $477,000. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments in Rio Vista's affordable market.
You won't need a jumbo loan in Rio Vista since conforming loan limits reach $833,000 and most homes sell between $450,000 and $600,000. The area's affordable pricing means you'll qualify for standard FHA, VA, or conventional loans with better rates and terms than jumbo products.
Solano County's 2026 loan limits are $725,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits provide plenty of room for buyers in Rio Vista's market, where the median home price is $477,000.
Yes, VA loans work exceptionally well in Rio Vista with a generous $833,000 loan limit and $0 down payment for eligible veterans and service members. With most homes priced between $450,000 and $600,000, you can buy with no down payment and avoid mortgage insurance entirely.
Our No Money Down program offers $0 down payment for qualified buyers in Rio Vista, making homeownership immediately accessible. You can also explore CalHFA programs offering down payment and closing cost assistance, plus Solano County housing programs that can often be stacked together for maximum benefit to first. time buyers.
You can buy a Rio Vista home with as little as 3% down on a conventional loan (around $14,300 on a $477,000 home) or 3.5% down with FHA (about $16,700). VA. eligible buyers and those qualifying for our No Money Down program can purchase with $0 down, which is especially popular in this affordable market.
You can qualify for an FHA loan in Rio Vista with a credit score as low as 580, or even lower in some cases, making it ideal for credit rebuilders and first. time buyers. Conventional loans typically require a 620 minimum, while VA loans offer flexibility for veterans with scores around 580 to 600.
Look for a lender experienced with Rio Vista's affordable market who can guide you through FHA, VA, and down payment assistance programs that work best at this price point. The right lender will compare multiple loan options, explain how to stack DPA programs, and help first. time buyers navigate the process with clear communication and competitive rates.
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