Mortgage broker serving San Anselmo, 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 San Anselmo buyers, we match your unique situation to the right program.
San Anselmo 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 San Anselmo 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 San Anselmo home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in San Anselmo starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for San Anselmo 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 San Anselmo 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 San Anselmo homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| 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 San Anselmo home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
San Anselmo prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in San Anselmo.
Self-employed? San Anselmo bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all San Anselmo properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for San Anselmo buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time San Anselmo buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for San Anselmo moves. Purchase before your current home sells.
Entity financing for San Anselmo investors. Purchase in LLC for asset protection.
San Anselmo loans under $1.25M get conforming refinance rates. Best rates available.
Access San Anselmo home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for San Anselmo homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for San Anselmo veterans. Lower your rate without appraisal or income docs.
San Anselmo home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for San Anselmo homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in San Anselmo can use DSCR financing. Rental income qualifies the loan.
San Anselmo rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for San Anselmo apartment buildings. Commercial rates for larger properties.
Hard money financing for San Anselmo commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for San Anselmo buyers with qualifying income.
CalHFA programs can help San Anselmo first-time buyers. Check income limits for eligibility.
San Anselmo family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in San Anselmo. Family member income helps qualification.
Check San Anselmo city programs for additional DPA. May stack with CalHFA for more help.
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
San Anselmo sits in central Marin County, about 20 miles north of San Francisco. Population is 12,830, median household income $78,538. The homeownership rate here is 65%, which is solid for the Bay Area, but here's the reality: at a $1.5M median home price, you're looking at one of the most expensive small towns in California. A household earning the median income won't qualify for a conventional loan on a median-priced home without substantial equity or down payment help. Most buyers here are either moving up from starter homes with significant proceeds, dual high earners in tech or professional services, or getting family assistance.
The schools are a major reason families stretch their budgets to buy here. Drake High pulls a 9 rating, White Hill Middle an 8, San Anselmo Elementary an 8. These are the kind of scores that protect resale value even when the broader market softens. The Ross Valley School District has a strong reputation across Marin, which means buyers with kids consistently prioritize this area. When you're financing a $1.5M-$2M home, you want confidence that the next family will pay a premium for the same reasons you did. The school quality here delivers that confidence, which is why lenders see these properties as lower risk despite the high price tags.
Where you buy in San Anselmo determines whether you're using a conventional jumbo or going even higher. Downtown San Anselmo runs $1.2M-$1.8M, mostly vintage homes on tree-lined streets with walkability to shops and restaurants. Conventional jumbos work for the lower end, but you'll need 20% down minimum and strong credit. San Anselmo Avenue Area goes $1.3M-$2.0M, mix of mid-century and contemporary styles near schools and parks, popular with families who want that combination. Lansdale hits $1.4M-$2.2M, larger lots with hillside views and a parklike setting, attracting move-up buyers with substantial equity. Sleepy Hollow is the top tier at $1.6M-$2.5M, secluded custom homes on winding hillside roads. At these price points, you're often looking at portfolio loans or private banking relationships, not standard conforming products.
The commute to San Francisco runs about 41 minutes via Sir Francis Drake Boulevard and Highway 101, Oakland is 33 minutes. That's the Marin premium right there. You're paying $1.5M instead of $900K in Concord because you shave 30 minutes off your commute and get better schools. Golden Gate Transit and Marin Transit provide public options, but most buyers here are two-car households. If you work in tech, the commute to Palo Alto is 72 minutes, San Jose 77 minutes, which is why most San Anselmo buyers work on the SF or Oakland side of the bay. The location math only works if your time is worth the price difference.
Ross Valley School District is a major employer, along with Marin County Government and professional services firms clustered in the area. But real talk, most people buying $1.5M homes here don't work in San Anselmo. They commute to San Francisco for tech, finance, or professional jobs, or they work at Kaiser Permanente San Rafael or BioMarin Pharmaceutical nearby. The local economy supports the town's character with downtown businesses and services, but it's not driving the housing market. What drives it is proximity to high-paying Bay Area jobs combined with Marin's quality of life. When you're underwriting income for a jumbo loan here, lenders expect to see tech salaries, dual professional incomes, or significant assets beyond W-2 earnings.
Common questions from San Anselmo 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 San Anselmo 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 San Anselmo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many San Anselmo buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified San Anselmo 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 San Anselmo 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 San Anselmo families purchase with minimal upfront cash.
2026 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most San Anselmo properties fall within conforming limits, maximizing your financing options.
For San Anselmo'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 San Anselmo. 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 San Anselmo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Marin County, and structure your purchase to minimize upfront costs.
You still have options in San Anselmo. 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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Anselmo 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 San Anselmo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many San Anselmo buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in San Anselmo. 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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Anselmo 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 San Anselmo 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 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most San Anselmo properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified San Anselmo 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 San Anselmo 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 San Anselmo families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in San Anselmo. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Marin County, and structure your purchase to minimize upfront costs.
You still have options in San Anselmo. 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 San Anselmo'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 San Anselmo (Marin County) is $1.25M for a single-family home. This is a high-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
It depends on the property. San Anselmo's median home price is $1.5M, while the conforming loan limit is $1.25M. Properties above the limit require jumbo financing, while those under it can use conventional, FHA, or VA loans.
The 2026 Marin County loan limits are: FHA: $1.25M, VA: $1.25M, Conventional: $1.25M. Any loan amount above $1.25M is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in San Anselmo with $0 down payment. The 2026 VA loan limit for Marin 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: 5-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For San Anselmo's median price of $1.5M, most buyers put down 15-20%.
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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