Mortgage broker serving Sacramento, 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 Sacramento buyers, we match your unique situation to the right program.
In Sacramento'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 Sacramento 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 Sacramento home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Sacramento starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Sacramento 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 Sacramento 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 Sacramento 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 Sacramento buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Sacramento. VA loans are the best deal for eligible veterans.
Nearly all Sacramento homes qualify for conforming loans. Best rates available for qualified buyers.
Sacramento buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Sacramento buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Sacramento areas. Check rural designation by address.
Bridge loans available for Sacramento transitions. Finance new purchase before selling.
Entity purchase programs for Sacramento. LLC financing for investment properties.
Sacramento FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Sacramento refinances qualify as conforming. Competitive rates with quick approval.
Sacramento veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Sacramento homeowners with equity. Access funds for any purpose.
Sacramento owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Sacramento homeowners. Lump sum with fixed monthly payments.
Sacramento rental properties qualify with DSCR. No personal income verification needed.
Sacramento renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Sacramento commercial. Fast financing for competitive markets.
Apartment financing in Sacramento. 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 Sacramento buyers with qualifying income.
Sacramento buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Sacramento. City programs plus CalHFA can cover most down payment.
Grant programs for Sacramento first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Sacramento areas. Check rural designation by address.
Gift of equity for Sacramento family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Sacramento 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
Sacramento is the state capital sitting in the Central Valley where I-5 and I-80 cross, about 90 miles northeast of San Francisco. Population is 523,600, median household income $78,954. The homeownership rate here is 50.7%, right at the California median, and that tells you something important. At $472K median home price, you're looking at a city where state workers, healthcare professionals, and tech employees can still qualify for conventional financing without stretching into jumbo territory. It's one of the last real cities in Northern California where a household pulling in $75-80K can actually buy a house with a yard.
If you've got kids or you're planning to, the school ratings matter for both your daily life and your resale value down the road. Mira Loma High pulls an 8, C.K. McClatchy a 7, Kennedy a 6, and Sutter Middle an 8. Those aren't bad numbers, especially for a city this size. The districts are established and stable, which means you're not gambling on some experimental charter situation when you're locking in a 30-year mortgage. Families who buy in East Sacramento or Land Park tend to stay put because the school situation works, and that stability shows up in property values. When your neighbors aren't turning over every two years, your home equity builds more predictably.
Where you buy in Sacramento changes everything about what loan you'll need and what your monthly payment looks like. Midtown runs $550K-$750K, mostly older homes with character on tree-lined streets, and you'll see a lot of conventional 20% down loans from young professionals who want walkable urban living. East Sacramento sits at $500K-$850K with those classic bungalows everyone wants, so you're looking at conventional or low-end jumbo depending on the property. Land Park offers $450K-$650K for solid single-family homes near William Land Park, perfect for conventional financing if you're a family wanting good schools and a yard. Natomas is your entry point at $400K-$600K with newer construction, and FHA loans are common here for first-time buyers who need that lower down payment option. Pocket-Greenhaven runs $350K-$550K along the river, newer builds that work well for buyers using conventional or VA loans who want suburban space without the premium prices of East Sac.
The freeway access here is actually pretty solid. I-5 runs north-south, I-80 heads west to the Bay Area, US-50 shoots east to Tahoe, and CA-99 connects you south through the Valley. If you're commuting to Roseville for a tech job, you're looking at 26 minutes, which is manageable. Sacramento RT runs light rail and bus service that actually works if you're commuting downtown to a state job, and that matters when you're calculating your total housing cost. The truth is, a lot of people buy here because they work for the state or one of the big hospital systems, and their commute is 15 minutes instead of 90. That's money you're not burning in gas, and it's time you get back every single day of your mortgage.
Here's the thing about Sacramento: it's a government town first, and that stability shows up in the housing market. The State of California is the biggest employer by far, and those jobs come with decent pay and benefits that help people qualify for mortgages. UC Davis Health, Sutter Health, and Kaiser Permanente add thousands of healthcare jobs that pay well enough to support home buying. Intel's presence brings tech sector wages, and Sacramento City Unified employs a solid chunk of people too. The job mix means you've got steady public sector employment mixed with private healthcare and some tech, which creates a more stable lending environment than cities that live and die by one industry. When lenders look at Sacramento buyers, they see consistent employment and that affects your rate and approval odds.
Common questions from Sacramento 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 Sacramento 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 Sacramento: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Sacramento buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Sacramento 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 Sacramento 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 Sacramento families purchase with minimal upfront cash.
2026 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Sacramento properties fall within conforming limits, maximizing your financing options.
For Sacramento'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 Sacramento. 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 Sacramento. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Sacramento. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Sacramento 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 Sacramento: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Sacramento buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Sacramento. 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 Sacramento County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Sacramento 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 Sacramento 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 Sacramento County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Sacramento properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Sacramento 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 Sacramento 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 Sacramento families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Sacramento. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sacramento County, and structure your purchase to minimize upfront costs.
You still have options in Sacramento. 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 Sacramento'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 Sacramento (Sacramento County) is $764K 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 Sacramento's median home price at $472K, many properties are near or above the $833K conforming limit. Higher-priced homes will require jumbo financing.
The 2026 Sacramento County loan limits are: FHA: $764K, 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 Sacramento with $0 down payment. The 2026 VA loan limit for Sacramento 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 Sacramento's median price of $472K, 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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