Mortgage broker serving Riverside, 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 Riverside buyers, we match your unique situation to the right program.
Riverside 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 Riverside 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 Riverside home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Riverside starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Riverside 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 Riverside 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 Riverside 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 Riverside buyers. Most homes under $833K with competitive rates.
Strong FHA option in Riverside. Low down payment gets you into most properties here.
$0 down for Riverside veterans. VA loans cover all properties with no PMI required.
Riverside business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Riverside. State assistance helps with down payment and closing costs.
Premium Riverside homes over $833K require jumbo loans. Less common but available for luxury properties.
Riverside sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Riverside investors. Buy rentals in entity names.
Conforming refinance for Riverside homeowners. Best rates for loans under $833K.
FHA streamline refinance for Riverside. Easiest way to lower your existing FHA rate.
VA streamline refi for Riverside veterans. Fastest way to reduce your mortgage payment.
Turn Riverside home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Riverside homeowners. Access equity without replacing first mortgage.
Riverside owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Riverside investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Riverside projects. Short-term financing for value-add investments.
Multifamily options for Riverside investors. Finance apartment buildings with commercial loans.
Riverside 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 Riverside buyers with qualifying income.
CalHFA programs popular in Riverside. State assistance helps with down payment and closing costs.
Riverside has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Riverside buyers. Down payment assistance with no repayment.
Riverside family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Riverside 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
Riverside sits at the heart of the Inland Empire, about an hour east of LA. Population is 316,076, median household income $83,448. The homeownership rate here is 55.5%, which tells you something important - this is still a city where renters can realistically become buyers. At $640K median home price, you're paying roughly half what you'd drop in Orange County for similar square footage. That income-to-price ratio means a household pulling in $80-90K can actually qualify for a mortgage here without stretching into dangerous DTI territory.
If you've got kids or you're planning to, the school ratings matter for both your quality of life and your resale value down the line. Poly High pulls an 8, Martin Luther King High sits at a 7, and Norte Vista comes in at a 6. University Heights Middle also scores a 7, which is solid for the region. The district has stability, and that matters when you're looking at a 30-year mortgage commitment. Families who buy here tend to stay, which keeps neighborhoods stable and helps property values hold even when the market dips.
Where you buy in Riverside determines what loan product makes sense and what your monthly payment looks like. Canyon Crest runs $750K-$1.2M, hillside homes near UC Riverside with views, attracts professors and professionals who typically use conventional loans with 20% down. Wood Streets is the historic core, $500K-$800K, tree-lined blocks with everything from Craftsman bungalows to newer builds, walking distance to downtown - you'll see a mix of conventional and FHA loans here depending on the property condition. Alessandro Heights sits at $580K-$720K, ranch-style homes with mature trees, popular with first-time buyers stretching into conventional territory or using FHA with lower down payments. Victoria offers the entry point at $520K-$650K, mid-century homes in established blocks, mix of original and renovated properties where FHA and conventional both work depending on what updates you're willing to tackle.
You've got I-215 running north-south through the city, CA-60 heading west toward LA, and CA-91 connecting you to Orange County. The commute to LA runs about 62 minutes when traffic cooperates, which it doesn't always. But here's the thing - that drive is exactly why Riverside stays at $640K while similar-sized homes in Pasadena or Irvine run $1.2M+. RTA Bus covers local routes, and Metrolink gives you a train option if you're commuting to downtown LA or OC and don't want to drive every day. If you work locally or remotely, you're getting a real house with a yard for what a condo costs closer to the coast.
UC Riverside is the anchor employer here, bringing steady academic jobs and research positions that don't disappear when the economy hiccups. Riverside Unified School District and Riverside University Health System add public sector stability. County of Riverside government offices employ thousands. On the private side, you've got Bourns Inc. doing electronics manufacturing and Flabeg Solar in the renewable energy space. The job mix gives you diversity - education, healthcare, government, manufacturing, tech. Most buyers either work in Riverside proper or they're commuting west to higher-paying jobs in LA or OC and banking the salary difference in home equity here.
Common questions from Riverside 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 Riverside 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 Riverside: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Riverside buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Riverside 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 Riverside 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 Riverside families purchase with minimal upfront cash.
2026 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Riverside properties fall within conforming limits, maximizing your financing options.
For Riverside'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 Riverside. 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 Riverside. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Riverside. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Riverside 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 Riverside: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Riverside buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Riverside. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Riverside 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 Riverside 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 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Riverside properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Riverside 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 Riverside 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 Riverside families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Riverside. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Riverside. 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 Riverside'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 2026 FHA loan limit for Riverside (Riverside County) is $673K for a single-family home. This is a moderate-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
With Riverside's median home price at $640K, many properties are near or above the $833K conforming limit. Higher-priced homes will require jumbo financing.
The 2026 Riverside County loan limits are: FHA: $673K, VA: $1.25M, Conventional: $833K. Any loan amount above $833K is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Riverside with $0 down payment. The 2026 VA loan limit for Riverside County is $1.25M. For properties above this amount, you can still use a VA loan but will need a down payment on the amount exceeding the limit.
We provide same-day pre-approvals for most loan programs. Full loan approval and closing typically takes 21-30 days for conventional and jumbo loans, and 30-45 days for FHA and VA loans.
Down payment requirements vary by loan type: Conventional: 3-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For Riverside's median price of $640K, typical down payments range from 5-10%.
Minimum credit scores vary by loan type: FHA: 580, Conventional: 620, VA: typically 620, Jumbo: 680-700+. Higher credit scores qualify for better interest rates.
Look for a lender with California experience, strong communication, competitive rates, and the ability to close on time. We've been serving California homebuyers for 40+ years with senior loan officers who specialize in complex scenarios.
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