Mortgage broker serving Rocklin, 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 Rocklin buyers, we match your unique situation to the right program.
Rocklin 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 Rocklin 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 Rocklin home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rocklin starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rocklin 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 Rocklin 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 Rocklin 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 Rocklin buyers. Most homes under $833K with competitive rates.
Strong FHA option in Rocklin. Low down payment gets you into most properties here.
$0 down for Rocklin veterans. VA loans cover all properties with no PMI required.
Rocklin business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Rocklin. State assistance helps with down payment and closing costs.
Premium Rocklin homes over $833K require jumbo loans. Less common but available for luxury properties.
Rocklin sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Rocklin investors. Buy rentals in entity names.
Conforming refinance for Rocklin homeowners. Best rates for loans under $833K.
FHA streamline refinance for Rocklin. Easiest way to lower your existing FHA rate.
VA streamline refi for Rocklin veterans. Fastest way to reduce your mortgage payment.
Turn Rocklin home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Rocklin homeowners. Access equity without replacing first mortgage.
Rocklin owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Rocklin investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Rocklin projects. Short-term financing for value-add investments.
Multifamily options for Rocklin investors. Finance apartment buildings with commercial loans.
Rocklin 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 Rocklin buyers with qualifying income.
CalHFA programs popular in Rocklin. State assistance helps with down payment and closing costs.
Rocklin has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Rocklin buyers. Down payment assistance with no repayment.
Rocklin family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Rocklin 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
Rocklin sits in Placer County about 22 miles northeast of Sacramento. Population is 71,676, median household income $116,006. The homeownership rate here is 66.8%, right in line with California's suburban sweet spots, and for good reason. At $685K median home price, you're looking at one of the more expensive markets in the Sacramento metro, but you're paying for schools, location, and a buyer pool that keeps values stable. A household pulling in $115K can qualify for a conventional loan here with standard down payment, which is why this area attracts so many professionals and young families moving up from starter homes.
The school situation is a major reason people stretch their budgets to buy in Rocklin. Whitney High School consistently ranks as one of the top public schools in the state, and that reputation alone adds value to every home in its attendance zone. Rocklin High and Rocklin Academy both pull solid ratings, and Victory High offers alternatives for students who need different paths. When you're comparing this market to somewhere like North Highlands or even parts of Roseville, the school premium is real and it shows up in resale values. Families buy here and stay here, which means your neighbors aren't turning over every two years. That stability matters when you're locking into a 30-year mortgage and counting on appreciation.
Whitney Ranch is the big draw for families, running around $685K for newer builds with HOA amenities like pools and parks. Conventional loans with 10-20% down are standard here, and you'll see plenty of buyers trading up from Roseville or Citrus Heights. South Rocklin offers a mix of older established homes and newer development, same price point but often bigger lots if you go with the older stock. FHA loans can work in South Rocklin if you find the right property, though most sellers prefer conventional in this market. The Quarry District has character with its historic ties to Rocklin's granite mining past, now converted into parks and walkable spaces. Prices hold steady across these areas because the school district and commute access keep demand high year-round.
You're 28 minutes to downtown Sacramento on a normal day, 10 minutes to Roseville's shopping and job centers. That's the sweet spot for commuters who work in the capital or the sprawling office parks along I-80. No major highway runs directly through Rocklin, but you're close enough to I-80 and SR-65 that access isn't an issue. Local transit exists but most buyers here are two-car households. The commute is manageable enough that you're not losing hours of your day, but you're far enough out that you get more house for your money than you would in Land Park or East Sacramento.
Rocklin Unified School District is the largest employer, which gives the area that public sector stability lenders like to see when they're underwriting mortgages. Sierra College brings education jobs and keeps the area tied to steady enrollment-driven income. City of Rocklin itself employs a decent number of people in municipal roles. Sutter Roseville Medical Center is just next door and employs thousands, so you'll find plenty of nurses, doctors, and healthcare workers buying in Rocklin for the schools and commute. The job mix here is white-collar and service-oriented, which matches the income levels you need to qualify for a $685K mortgage. Most buyers work in Sacramento, Roseville, or Folsom and chose Rocklin for the school district and neighborhood quality.
Common questions from Rocklin 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 Rocklin 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 Rocklin: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rocklin buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rocklin 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 Rocklin 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 Rocklin families purchase with minimal upfront cash.
2026 Placer County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Rocklin properties fall within conforming limits, maximizing your financing options.
For Rocklin'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 Rocklin. 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 Rocklin. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Placer County, and structure your purchase to minimize upfront costs.
You still have options in Rocklin. 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 Placer County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rocklin 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 Rocklin: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rocklin buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rocklin. 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 Placer County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rocklin 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 Rocklin 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 Placer County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Rocklin properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rocklin 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 Rocklin 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 Rocklin families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rocklin. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Placer County, and structure your purchase to minimize upfront costs.
You still have options in Rocklin. 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 Rocklin'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 Rocklin is $765,000 for 2026. This covers most homes in Rocklin's market, where the median home price is around $685,000. FHA loans are popular here because they allow down payments as low as 3.5% with credit scores starting at 580.
Most Rocklin buyers don't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $685,000. You'll only need a jumbo loan if you're buying above $833,000, which represents the higher end of Rocklin's market. Conforming loans typically offer better rates and easier qualification than jumbo products.
For 2026 in Placer County, the conforming loan limit is $833,000, the FHA limit is $765,000, and the VA loan limit is $833,000. These limits work well for Rocklin's balanced market where most homes fall between $600,000 and $900,000. Both conforming and government. backed loans are highly competitive options here.
Yes, VA loans are an excellent option in Rocklin with a loan limit of $833,000 for 2026. VA loans offer 0% down payment with no mortgage insurance, making them very competitive in Rocklin's market where homes typically range from $600,000 to $900,000. If you're a qualified veteran or active military, this can be one of the most cost. effective financing options available.
Our No Money Down program offers $0 down payment for qualified buyers in Rocklin's market. You can also explore CalHFA programs that provide down payment and closing cost assistance, as well as Placer County housing programs designed for first. time and moderate. income buyers. With a median income of $116,006, many Rocklin buyers qualify for multiple assistance options.
Down payment requirements in Rocklin vary by loan type. Conventional loans can go as low as 3% ($20,550 on a $685,000 home), FHA requires 3.5%, and VA or USDA loans offer 0% down for qualified buyers. With homes typically priced between $600,000 and $900,000, many buyers put down 5. 10% to balance monthly payments with upfront costs.
Most Rocklin buyers can qualify with a credit score of 620 for conventional loans, though you'll get better rates at 680 or higher. FHA loans accept scores as low as 580 with 3.5% down, making them accessible for first. time buyers in this market. Given Rocklin's median home price of $685,000, lenders typically prefer seeing scores of 640+ for smoother approvals.
Look for a lender experienced with Rocklin's balanced market who can offer multiple loan options including conforming, FHA, and VA products. Compare rates, fees, and closing timelines, but also consider responsiveness and local market knowledge since homes here typically range $600,000 to $900,000. A lender familiar with Placer County's programs and down payment assistance options can save you thousands.
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