Mortgage broker serving Rolling Hills, 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 Rolling Hills buyers, we match your unique situation to the right program.
Rolling Hills buyers in the luxury segment face unique challenges with high-value properties exceeding $1.25M.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Rolling Hills 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 Rolling Hills home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Rolling Hills starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Rolling Hills 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 Rolling Hills 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 Rolling Hills homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Rolling Hills home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Rolling Hills homes exceed the $1.25M limit. Jumbo financing is required for virtually all purchases here.
Rolling Hills buyers can qualify using investment portfolios. Asset depletion converts holdings to qualifying income.
Self-employed Rolling Hills buyers use bank deposits instead of tax returns. 12-24 months statements qualify.
Buy your next Rolling Hills home before selling. Bridge loans cover the gap between properties.
International buyers purchase Rolling Hills properties with foreign national loans. No US credit required.
Rolling Hills tech buyers use RSUs and stock options to qualify. Equity compensation counts as income.
Rolling Hills investors buy in LLC names. Asset protection with entity financing.
Rolling Hills homeowners can access equity for investments. Cash-out refi up to 80% LTV on jumbo.
Refinance Rolling Hills properties under $1.25M at conforming rates. Entry-level homes only.
HELOC access for Rolling Hills homeowners. Flexible credit line against substantial equity.
Home equity loans for Rolling Hills owners. Fixed-rate second mortgage against your equity.
VA IRRRL for Rolling Hills veterans. Refinance existing VA loan with no appraisal needed.
Rolling Hills investors can cash-out immediately after purchase. No seasoning required.
Rolling Hills investment properties qualify on rental income alone. DSCR loans skip employment verification.
Rolling Hills renovation projects get fix-and-flip financing. Short-term funding for major rehabs.
Multifamily financing for Rolling Hills apartment buildings. 5+ unit commercial loans available.
Hard money for Rolling Hills commercial deals. Fast funding when speed matters.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Rolling Hills buyers with qualifying income.
CalHFA assistance technically available but rarely used in Rolling Hills's luxury market.
Family property transfers in Rolling Hills use gift of equity. Seller gifts equity as down payment.
Parents can co-sign for Rolling Hills purchases. Non-occupant co-borrower boosts qualifying income.
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
Rolling Hills is one of the most exclusive incorporated cities in California, tucked into the Palos Verdes Peninsula about 25 miles south of downtown LA. Population is just 1,451, median household income over $250K, and the homeownership rate hits 92.1%. At a median home price of $6.68 million, this isn't where most buyers are hunting for starter homes. But if you're in the market for ultra-luxury real estate with serious privacy, Rolling Hills is the benchmark. Financing at this level means jumbo loans, substantial down payments, and lenders who specialize in high-net-worth clients.
The school ratings here are exactly what you'd expect given the price point. Dapplegray Elementary pulls a 9, Rolling Hills Prep an 8, and Palos Verdes Peninsula High a 9. These aren't just numbers on a website. They're part of why resale values stay rock solid even when the broader luxury market softens. Families buying here plan to stay long-term, which is reflected in that 92.1% homeownership rate. When you're financing a $5-8 million property, the school district isn't just about your kids. It's about protecting your investment and knowing the next buyer will value the same things you do.
Every neighborhood here is gated, exclusive, and requires jumbo financing. Rolling Hills Estates runs $4.5M-$7M with custom luxury builds, panoramic views, and the kind of privacy that comes with expansive lots. Portuguese Bend sits on dramatic coastal bluffs at $3.8M-$8.5M, the lower end of the range here but still solidly jumbo territory. Rolling Hills Country Club Estates commands $5.2M-$10M for grand estates with golf course access. Dapplegray spans $4M-$9.2M and caters to equestrian buyers who want horse facilities and trails without sacrificing luxury. Lenders financing these properties expect 20-30% down minimum, excellent credit, and they'll scrutinize your debt-to-income ratio even if you're bringing seven figures to closing.
You're 41 minutes to downtown LA, 46 to Santa Monica, 52 to Irvine, and just 25 to Long Beach. The commute times are reasonable for Southern California, but let's be honest. Most people buying here aren't grinding out a daily commute. They're executives, business owners, or they've structured their work around flexibility. The location gives you access to the entire LA basin and Orange County without living in the middle of it. That geographic advantage is baked into property values and why Rolling Hills holds its worth even when other luxury markets wobble.
The local employer base is small because the city itself is tiny. Rolling Hills Country Club, LA County Government, and Palos Verdes Peninsula School District provide some local jobs. But the real employment draw is nearby El Segundo and Redondo Beach, where Aerospace Corporation, Northrop Grumman, and Boeing have major operations. These aerospace and defense companies employ high earners who can actually qualify for the mortgages needed here. The job market matters less for Rolling Hills than the wealth concentration. Buyers here are typically established professionals, entrepreneurs, or families with significant assets who view the home as a lifestyle choice and a wealth preservation vehicle, not just a place to live.
Common questions from Rolling Hills 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 Rolling Hills 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 Rolling Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rolling Hills buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Rolling Hills 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 Rolling Hills 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 Rolling Hills families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Rolling Hills properties fall within conforming limits, maximizing your financing options.
For Rolling Hills'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 Rolling Hills. 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 Rolling Hills. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Rolling Hills. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rolling Hills 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 Rolling Hills: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Rolling Hills buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Rolling Hills. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Rolling Hills 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 Rolling Hills 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Rolling Hills properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Rolling Hills 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 Rolling Hills 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 Rolling Hills families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Rolling Hills. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in Rolling Hills. 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 Rolling Hills'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 Rolling Hills is $1.25M for 2025. However, with a median home price of $6.7M, FHA loans aren't practical for most properties in this ultra. luxury community. You'll typically need a jumbo loan to finance homes in Rolling Hills.
Yes, you'll almost certainly need a jumbo loan in Rolling Hills since the median home price is $6.7M and most properties exceed $3M. Jumbo loans exceed the conforming limit of $1.25M and are the standard financing option for this ultra. luxury market. These loans typically require larger down payments, excellent credit, and documentation of substantial assets and income.
The 2026 conforming loan limit for Los Angeles County is $1.25M for single. family homes. FHA and VA loan limits are also $1.25M. Since Rolling Hills homes typically start at $3M, most buyers here will need jumbo financing that exceeds these conventional limits.
Yes, you can use a VA loan in Rolling Hills if you're an eligible veteran, but the $1.25M loan limit makes it impractical for most properties here. With homes typically priced at $3M and above, you'd need to cover the difference with a substantial down payment. Many veteran buyers in this market opt for jumbo loans instead to access better loan amounts.
Our No Money Down program offers $0 down payment for qualified buyers. However, given Rolling Hills' ultra. luxury market with a median price of $6.7M and median income of $250K+, most buyers here don't qualify for traditional DPA programs like CalHFA due to income limits. High. net. worth buyers in this area typically make substantial down payments of 20% to 30% or purchase with cash.
For Rolling Hills' ultra. luxury market, you'll typically need a down payment of 20% to 30% on jumbo loans, which translates to $1.3M to $2M on the median $6.7M home. Many lenders require larger down payments for loans exceeding $2M to $3M. With 92.1% homeownership and cash. heavy buyers, many purchases in Rolling Hills involve down payments of 40% or more.
You'll typically need a credit score of at least 700 for jumbo loans in Rolling Hills, though most lenders prefer 720 or higher for the best rates on ultra. luxury properties. For loan amounts exceeding $3M, many lenders require scores of 740+. Given the complex financial profiles of high. net. worth buyers here, strong credit history and substantial liquid assets are equally important.
In Rolling Hills' ultra. luxury market, choose a lender with extensive jumbo loan experience and expertise handling complex income situations like stock options, business ownership, and trust structures. Look for lenders who can close quickly with certainty, offer portfolio loan options for unique properties, and provide personalized service for high. net. worth clients. The right lender should understand the nuances of financing $3M+ estates and have relationships with private banks if needed.
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