Mortgage broker serving San Bernardino, 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 Bernardino buyers, we match your unique situation to the right program.
In San Bernardino'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 San Bernardino 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 Bernardino home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in San Bernardino starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for San Bernardino 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 Bernardino 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 Bernardino 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 San Bernardino buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in San Bernardino. VA loans are the best deal for eligible veterans.
Nearly all San Bernardino homes qualify for conforming loans. Best rates available for qualified buyers.
San Bernardino buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed San Bernardino buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible San Bernardino areas. Check rural designation by address.
Bridge loans available for San Bernardino transitions. Finance new purchase before selling.
Entity purchase programs for San Bernardino. LLC financing for investment properties.
San Bernardino FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all San Bernardino refinances qualify as conforming. Competitive rates with quick approval.
San Bernardino veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for San Bernardino homeowners with equity. Access funds for any purpose.
San Bernardino owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for San Bernardino homeowners. Lump sum with fixed monthly payments.
San Bernardino rental properties qualify with DSCR. No personal income verification needed.
San Bernardino renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for San Bernardino commercial. Fast financing for competitive markets.
Apartment financing in San Bernardino. 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 San Bernardino buyers with qualifying income.
San Bernardino buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in San Bernardino. City programs plus CalHFA can cover most down payment.
Grant programs for San Bernardino first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible San Bernardino areas. Check rural designation by address.
Gift of equity for San Bernardino family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps San Bernardino 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
San Bernardino sits at the base of the San Bernardino Mountains, about 60 miles east of LA with a population of 221,041. Median household income is $61,323, and the homeownership rate is 48.9%, which is below the California average. At $525K median home price, you're looking at a market that's more affordable than coastal California but has climbed significantly in recent years. The city's working on revitalization efforts that could affect property values long-term, so timing and neighborhood selection really matter here.
San Bernardino High pulls a 6 rating, Cajon High scores a 7, and Pacific High sits at 6. These aren't top-tier numbers, but Cajon's stronger performance shows there's variation within the district. California State University San Bernardino rates an 8 and anchors the University District, which tends to hold value better because of the steady demand from faculty and staff. If you're buying with kids, the school ratings will affect your resale pool down the road. Families shopping with FHA or conventional loans often focus on neighborhoods near the better-performing schools, which pushes prices up in those pockets.
Arrowhead and Shandin Hills run $650K-$850K, hillside properties with mountain views and newer builds that typically need conventional or jumbo financing depending on your down payment. University District goes $500K-$700K, mix of mid-century ranch homes and newer construction near Cal State, popular with buyers who can put 10-20% down on conventional loans. Verdemont sits at $450K-$650K, established single-family homes on tree-lined streets where FHA and conventional loans both work well for families. Downtown San Bernardino is your entry point at $350K-$500K, mix of lofts, condos, and historic homes near the transit center. FHA loans are common downtown for first-time buyers, and the revitalization efforts could mean appreciation potential if the city's plans pan out.
The commute to LA runs about 63 minutes when traffic cooperates, which it doesn't always. I-10 and I-215 both cut through the city, so you've got freeway access to the Inland Empire and beyond. The transit center downtown connects you to Metrolink and local bus lines if you're trying to avoid the drive. Here's the thing: that commute time is why San Bernardino costs $525K instead of $900K like you'd pay in Orange County. If you work in logistics, healthcare, education, or government locally, you're getting Southern California location without the brutal mortgage payment.
San Bernardino City Unified School District and the County of San Bernardino are massive public sector employers, which means steady jobs and predictable income for mortgage qualification. Amazon's got fulfillment centers here, Stater Bros. runs their corporate headquarters in town, and Loma Linda University Medical Center provides healthcare jobs. Cal State San Bernardino employs faculty and staff who tend to buy in the University District. The job mix leans public sector and logistics, which has kept the economy relatively stable even when other parts of California struggled. That employment base matters when you're thinking about whether property values will hold if the market softens.
Common questions from San Bernardino 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 Bernardino 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 Bernardino: 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 Bernardino buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified San Bernardino 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 Bernardino 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 Bernardino families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most San Bernardino properties fall within conforming limits, maximizing your financing options.
For San Bernardino'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 Bernardino. 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 Bernardino. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in San Bernardino. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Bernardino 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 Bernardino: 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 Bernardino buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in San Bernardino. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Bernardino 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 Bernardino 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 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most San Bernardino properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified San Bernardino 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 Bernardino 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 Bernardino families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in San Bernardino. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in San Bernardino. 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 Bernardino'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 San Bernardino is $690,000 for 2026, which comfortably covers most homes in the area since the median price is around $525K. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments in San Bernardino County. You'll only need 3.5% down and can qualify with a credit score as low as 580.
Most buyers in San Bernardino won't need a jumbo loan since the conforming loan limit is $833,000 and the median home price is $525K. The vast majority of homes in the area fall well below the conforming limit, making you eligible for better rates and terms with conventional, FHA, or VA loans. You'd only need a jumbo loan for higher. end properties above $833K.
For 2026, San Bernardino County loan limits are $690,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits cover nearly all homes in the San Bernardino market, where typical properties range from $450K to $600K. These higher limits give you plenty of financing options without needing a jumbo loan.
Yes, VA loans are an excellent option in San Bernardino with a loan limit of $833,000, which covers all typical homes in the area. Veterans and active military can buy with $0 down, no mortgage insurance, and competitive rates on homes in the $450K. $600K range. San Bernardino's affordability makes it particularly attractive for VA buyers looking to maximize their benefits.
Our No Money Down program offers $0 down payment for qualified buyers in San Bernardino. You can also access CalHFA programs that provide up to 3.5% in down payment assistance, and San Bernardino County often has local DPA programs that can be stacked together. With the area's median income at $61,323 and affordable home prices, many first. time buyers qualify for multiple assistance programs simultaneously.
You can buy a home in San Bernardino with as little as 0% down through VA loans or our No Money Down program, or 3.5% down with an FHA loan (about $18,400 on a $525K home). Conventional loans require just 3% down for first. time buyers, which is around $15,750 on the median. priced home. Many San Bernardino buyers combine low down payment loans with assistance programs to reduce their upfront costs even further.
You can qualify for an FHA loan in San Bernardino with a credit score as low as 580, which is perfect for first. time buyers and those rebuilding credit. Conventional loans typically require a 620 minimum score, while VA loans can sometimes go lower depending on the lender. Given San Bernardino's affordability and strong DPA options, buyers with mid. range credit scores have excellent opportunities to become homeowners.
Look for a lender experienced with San Bernardino's market who understands FHA loans, down payment assistance programs, and first. time buyer needs. The right lender should help you navigate stacking DPA programs and explain all your low down payment options for homes in the $450K. $600K range. Compare rates, but also prioritize responsiveness and expertise with the affordable loan programs that work best in San Bernardino County.
Fill out the form below and we'll reach out to discuss your San Bernardino mortgage options.
We respond within 24 hours
