Mortgage broker serving Roseville, 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 Roseville buyers, we match your unique situation to the right program.
Roseville 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 Roseville 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 Roseville home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Roseville starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Roseville 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 Roseville 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 Roseville 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 Roseville buyers. Most homes under $833K with competitive rates.
Strong FHA option in Roseville. Low down payment gets you into most properties here.
$0 down for Roseville veterans. VA loans cover all properties with no PMI required.
Roseville business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Roseville. State assistance helps with down payment and closing costs.
Premium Roseville homes over $833K require jumbo loans. Less common but available for luxury properties.
Roseville sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Roseville investors. Buy rentals in entity names.
Conforming refinance for Roseville homeowners. Best rates for loans under $833K.
FHA streamline refinance for Roseville. Easiest way to lower your existing FHA rate.
VA streamline refi for Roseville veterans. Fastest way to reduce your mortgage payment.
Turn Roseville home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Roseville homeowners. Access equity without replacing first mortgage.
Roseville owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Roseville investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Roseville projects. Short-term financing for value-add investments.
Multifamily options for Roseville investors. Finance apartment buildings with commercial loans.
Roseville 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 Roseville buyers with qualifying income.
CalHFA programs popular in Roseville. State assistance helps with down payment and closing costs.
Roseville has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Roseville buyers. Down payment assistance with no repayment.
Roseville family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Roseville 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
Roseville sits in Placer County about 25 minutes northeast of Sacramento. Population is 148,879, median household income $112,265. The homeownership rate here is 68.1%, which tells you people who buy here tend to stick around. At $642,500 median home price, you're looking at a market that needs solid income to qualify, but you're getting a lot more house and quality of life than that same money would buy you closer to the Bay Area. A household pulling in $110K can make the numbers work here with the right loan structure.
The school situation is one of the main reasons families stretch their budget to buy in Roseville. You've got Roseville High, Oakmont High, and Woodcreek High all serving different parts of the city, plus Granite Bay High pulling top marks for the northern areas. These aren't just decent schools, they're the kind that keep property values stable and make resale easier when life changes. When you're looking at a $640K mortgage, you want to know the neighborhood will hold its value, and good schools are your insurance policy on that. The district has strong parent involvement and consistent funding, which matters when you're planning to stay put for 7-10 years to build equity.
West Roseville runs around $643K and attracts buyers who want newer construction near the Galleria and major retail. Conventional loans with 10-20% down are standard here, and you'll see a lot of move-up buyers coming from Sacramento or older Roseville neighborhoods. Old Town Roseville hits that same $643K median but gives you historic character along Vernon Street, walkable downtown vibes, and the railroad heritage that built this city. East Roseville also tracks around $643K with more established neighborhoods and mature trees, popular with families who want parks and a settled feel. The price consistency across neighborhoods means you're really choosing lifestyle over budget, and most buyers go conventional or use equity from a previous sale to hit the 20% down mark and dodge PMI.
The 25-minute commute to Sacramento is the key to understanding Roseville's value proposition. You're close enough to state government jobs and the capital's employment centers without paying Sacramento's urban prices or dealing with the congestion. Local transit exists but most buyers here are two-car households, which you need to factor into your total housing budget when calculating debt-to-income ratios. If both spouses work in Sacramento or one works locally while the other commutes, Roseville gives you that suburban space without the brutal drive times you'd face living in cheaper markets farther out. The proximity to I-80 access means you can reach the Bay Area or Tahoe when you need to, but day-to-day life stays manageable.
Sutter Roseville Medical Center and Kaiser Permanente Roseville Medical Center are the heavy hitters for employment, bringing stable healthcare jobs with benefits that help buyers qualify for mortgages. Roseville City School District adds public sector stability, Union Pacific Railroad keeps the city's historic employment base alive, and Hewlett Packard Enterprise provides tech sector jobs without the Bay Area cost of living. This employment mix means you've got buyers from different income levels and job sectors all competing for housing, which keeps prices firm but also means lenders see Roseville as a stable market. If you're in healthcare, education, or tech and looking at Roseville, your job stability will help you lock in favorable loan terms since lenders like employment diversity.
Common questions from Roseville 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 Roseville 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 Roseville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Roseville buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Roseville 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 Roseville 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 Roseville 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 Roseville properties fall within conforming limits, maximizing your financing options.
For Roseville'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 Roseville. 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 Roseville. 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 Roseville. 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 Roseville 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 Roseville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Roseville buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Roseville. 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 Roseville 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 Roseville 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 Roseville properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Roseville 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 Roseville 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 Roseville families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Roseville. 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 Roseville. 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 Roseville'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 Roseville is $765,000 for 2026. This covers most homes in Roseville's market, where the median price is around $643,000, making FHA loans a competitive option for buyers who want lower down payment requirements.
Most Roseville buyers don't need a jumbo loan since the conforming limit is $833,000 and the median home price is $643,000. You'll only need a jumbo loan if you're purchasing a home above $833,000, which represents the higher end of Roseville's market.
For 2026, Placer County's loan limits are $833,000 for conforming and VA loans, and $765,000 for FHA loans. These limits apply to Roseville and cover the majority of homes in the area's $600K. $900K price range.
Yes, VA loans are very competitive in Roseville with a loan limit of $833,000, which covers nearly all homes in the market. If you're a qualified veteran or active. duty service member, you can purchase most Roseville homes with $0 down and no PMI.
Our No Money Down program offers $0 down payment for qualified buyers in Roseville. You can also explore CalHFA programs and Placer County down payment assistance options, which are particularly helpful for first. time buyers in this balanced market where homes typically range from $600K. $900K.
Down payments in Roseville vary by loan type. Conventional loans typically require 3. 5% down ($19,000. $32,000 on a $643,000 home), while FHA loans need 3.5% ($22,500), and VA loans offer $0 down for eligible veterans. Our No Money Down program can also help qualified buyers purchase with no down payment.
Most Roseville buyers need a credit score of at least 620 for conventional loans, though FHA loans may accept scores as low as 580. With Roseville's median home price around $643,000, having a score of 680 or higher will help you qualify for better rates and more competitive loan terms.
Look for a lender experienced with Roseville's balanced market who can offer multiple loan options including conventional, FHA, and VA products. Compare rates, closing costs, and responsiveness, and choose someone who understands the $600K. $900K price range and can help you navigate down payment assistance if needed.
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