Mortgage broker serving Riverbank, 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 Riverbank buyers, we match your unique situation to the right program.
In Riverbank'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 Riverbank 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 Riverbank home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Riverbank starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Riverbank 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 Riverbank 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 Riverbank 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 Riverbank buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Riverbank. VA loans are the best deal for eligible veterans.
Nearly all Riverbank homes qualify for conforming loans. Best rates available for qualified buyers.
Riverbank buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Riverbank buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Riverbank areas. Check rural designation by address.
Bridge loans available for Riverbank transitions. Finance new purchase before selling.
Entity purchase programs for Riverbank. LLC financing for investment properties.
Riverbank FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Riverbank refinances qualify as conforming. Competitive rates with quick approval.
Riverbank veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Riverbank homeowners with equity. Access funds for any purpose.
Riverbank owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Riverbank homeowners. Lump sum with fixed monthly payments.
Riverbank rental properties qualify with DSCR. No personal income verification needed.
Riverbank renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Riverbank commercial. Fast financing for competitive markets.
Apartment financing in Riverbank. 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 Riverbank buyers with qualifying income.
Riverbank buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Riverbank. City programs plus CalHFA can cover most down payment.
Grant programs for Riverbank first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Riverbank areas. Check rural designation by address.
Gift of equity for Riverbank family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Riverbank 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
Riverbank sits in Stanislaus County in the Central Valley, about 10 miles east of Modesto. Population is 24,803, median household income $89,504. The homeownership rate here is 69.3%, which tells you people are actually buying and staying put. At $507K median home price, you're looking at Central Valley pricing that requires solid income to qualify, but that $89K median household income shows the local economy can support it. This isn't a cheap starter market anymore, but it's still more accessible than anything you'll find in the Bay Area two hours west.
If you're buying with kids in mind, you'll want to know what you're getting into. Riverbank High School serves most families here, and Cardozo High is the continuation school for alternative education paths. Mesa Verde Elementary and Crossroads Elementary handle the younger grades. The schools are typical Central Valley, not pulling Bay Area numbers but serving the community that lives here. That 69.3% homeownership rate means most families are invested long-term, which creates neighborhood stability. When you're thinking about resale value five or ten years out, that stability matters more than you'd think.
The market here is pretty straightforward since both main areas hit around the same $507K median. Downtown Riverbank gives you the historic core with the original town center and main commercial strips within walking distance. North Riverbank is where you'll find newer housing developments with more modern floor plans and subdivision layouts. Both areas work well with conventional loans if you've got the 20% down and income to qualify at current rates. FHA is an option if you're coming in with 3.5% down, but at $507K you're looking at a mortgage payment that needs that $89K household income or close to it. The choice between downtown and north really comes down to whether you want older character or newer construction.
Here's the thing about Riverbank: you're not commuting to the Bay Area daily unless you really hate yourself. Stockton is 39 minutes, which is doable if you work there. Fresno runs 111 minutes on a good day, Bakersfield over three hours. Highway 108 is your main commercial corridor running through town. Local transit exists but this is car country, plain and simple. Most people who buy here either work in Modesto, Turlock, or somewhere else in Stanislaus County. If you're thinking about buying here but working in the Bay, you'll be looking at a brutal commute or need to work remote most days.
Riverbank Unified School District is the anchor employer, which gives you that public sector stability. Foster Farms has operations here, and that's real employment with benefits and steady paychecks. Agricultural operations dot the area because you're in the Central Valley, and retail and service businesses along Highway 108 provide the rest of the job base. The economy is typical for a smaller Central Valley town: education, food processing, ag, and local services. That $89K median household income is actually pretty solid for this region, which is why home prices can sit at $507K and people can still qualify. If you're buying here, you're probably working locally or in Modesto, not making a long haul commute.
Common questions from Riverbank 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 Riverbank 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 Riverbank: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Riverbank buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Riverbank 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 Riverbank 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 Riverbank families purchase with minimal upfront cash.
2026 Stanislaus County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Riverbank properties fall within conforming limits, maximizing your financing options.
For Riverbank'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 Riverbank. 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 Riverbank. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Stanislaus County, and structure your purchase to minimize upfront costs.
You still have options in Riverbank. 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 Stanislaus County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Riverbank 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 Riverbank: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Riverbank buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Riverbank. 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 Stanislaus County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Riverbank 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 Riverbank 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 Stanislaus County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Riverbank properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Riverbank 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 Riverbank 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 Riverbank families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Riverbank. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Stanislaus County, and structure your purchase to minimize upfront costs.
You still have options in Riverbank. 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 Riverbank'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 Riverbank is $541,000 for 2025. This covers most homes in the area since the median price is around $507,000, making FHA loans an excellent option for first. time buyers and those with smaller down payments.
You won't need a jumbo loan for most Riverbank homes since the conforming loan limit is $833,000 and typical homes range from $450,000 to $600,000. Even the FHA limit of $541,000 covers the majority of properties in the area.
For Stanislaus County in 2025, the conforming loan limit is $833,000, the FHA limit is $541,000, and the VA limit is $833,000. These limits comfortably accommodate Riverbank's median home price of $507,000 and give buyers plenty of financing options.
Yes, VA loans work extremely well in Riverbank with a loan limit of $833,000 and no down payment required for eligible veterans. With most homes priced between $450,000 and $600,000, you'll have excellent purchasing power and can avoid mortgage insurance entirely.
Our No Money Down program offers $0 down payment for qualified buyers in Riverbank. You can also access CalHFA programs and Stanislaus County assistance, and many first. time buyers can stack multiple programs to cover down payment and closing costs on homes in the $450,000 to $600,000 range.
You can buy a Riverbank home with as little as 3% down on a conventional loan (around $15,000 on a $507,000 home) or 3.5% with FHA (about $17,700). VA buyers and those using down payment assistance programs can often get in with $0 down.
You can qualify for an FHA loan in Riverbank with a credit score as low as 580, while conventional loans typically require 620 or higher. Many local buyers are credit rebuilders, so lenders familiar with the area can help you find options even if your score isn't perfect.
Look for a lender experienced with Riverbank's affordable market who understands FHA loans, down payment assistance programs, and working with first. time buyers. The right lender should help you compare FHA, conventional 97, and VA options to find the best fit for your situation and maximize your buying power in the $450,000 to $600,000 range.
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