Mortgage broker serving San Dimas, 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 Dimas buyers, we match your unique situation to the right program.
San Dimas's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your San Dimas 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 Dimas home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in San Dimas starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for San Dimas 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 Dimas 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 Dimas 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: $1,249,125 |
| 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 $1,249,125 |
| 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 San Dimas buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in San Dimas. Low down payment gets you into most properties here.
$0 down for San Dimas veterans. VA loans cover all properties with no PMI required.
San Dimas business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in San Dimas. State assistance helps with down payment and closing costs.
Premium San Dimas homes over $1.25M require jumbo loans. Less common but available for luxury properties.
San Dimas sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for San Dimas investors. Buy rentals in entity names.
Conforming refinance for San Dimas homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for San Dimas. Easiest way to lower your existing FHA rate.
VA streamline refi for San Dimas veterans. Fastest way to reduce your mortgage payment.
Turn San Dimas home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for San Dimas homeowners. Access equity without replacing first mortgage.
San Dimas owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for San Dimas investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for San Dimas projects. Short-term financing for value-add investments.
Multifamily options for San Dimas investors. Finance apartment buildings with commercial loans.
San Dimas 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 San Dimas buyers with qualifying income.
CalHFA programs popular in San Dimas. State assistance helps with down payment and closing costs.
San Dimas has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for San Dimas buyers. Down payment assistance with no repayment.
San Dimas family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for San Dimas 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
San Dimas sits at the eastern edge of LA County, right where the San Gabriel Valley meets the foothills. Population is 34,466, median household income $102,241. The homeownership rate here is 70.9%, which tells you people aren't just passing through. At $895K median home price, you're looking at a real investment, but here's what you're getting: excellent schools, a 36-minute commute to LA, and a small-town feel that's increasingly rare in Southern California. A household pulling in six figures can actually qualify for a conforming loan here without stretching into jumbo territory, assuming you've got decent down payment savings.
The schools are a major reason buyers pay the premium to live here. San Dimas High consistently ranks as one of the better public high schools in LA County, and that matters when you're thinking about resale value five or ten years down the road. Lone Hill Middle and San Dimas Canyon Elementary both pull strong ratings. When you're comparing mortgage payments to places like Pomona or West Covina, the school quality is where you see the return on that extra $200K-$300K you're spending. Families buy here and stay here, which is why that homeownership rate sits above 70%. Your neighbors aren't renters waiting to leave, they're invested in the community.
San Dimas isn't huge, so the neighborhoods blend together more than they divide. Downtown San Dimas along Bonita Avenue gives you that Route 66 heritage vibe with walkable local businesses and older homes that've been updated over the years. You're looking at $895K for a solid single-family here, and conventional loans are the standard play. Via Verde in the southern part of town runs similar pricing, centered around the Via Verde Country Club where golf course proximity adds value. Most buyers here are putting down 20% to avoid PMI and keep their monthly payment manageable on a $700K-plus loan. If you're stretching to get in with less down, FHA can work but you'll be competing with conventional offers that look cleaner to sellers.
The commute situation is one of San Dimas' biggest selling points when you're weighing the mortgage cost. You're 36 minutes to downtown LA, 52 to Santa Monica, 41 to Irvine, 49 to Long Beach. That's reasonable for Southern California, especially compared to what you'd pay for similar school quality closer in. The Foothill Transit system runs through here, and you've got the Metrolink station nearby if you want to skip the 10 or 210 traffic. Real talk, most people here drive, but the option exists. The commute is why San Dimas costs $895K instead of $1.3M like Pasadena or $1.5M like South Pasadena. You're trading 15-20 extra minutes in the car for a mortgage payment that won't bury you.
Bonita Unified School District is the largest employer, which gives the area that stable public sector foundation. City of San Dimas itself employs a decent number of residents, and Via Verde Country Club adds hospitality and recreation jobs. But let's be honest, most people buying here at this price point aren't working locally. They're commuting to LA, Orange County, or the broader Inland Empire for professional jobs that support a $900K mortgage. The median household income of $102K tells you this is a bedroom community for dual-income families or single earners in solid white-collar positions. The local economy is stable enough to support property values, but it's the access to regional job centers that really drives the market.
Common questions from San Dimas 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 Dimas 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 Dimas: 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 Dimas buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified San Dimas 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 Dimas 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 Dimas 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 San Dimas properties fall within conforming limits, maximizing your financing options.
For San Dimas'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 Dimas. 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 Dimas. 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 San Dimas. 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 San Dimas 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 Dimas: 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 Dimas buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in San Dimas. 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 San Dimas 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 Dimas 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 San Dimas properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified San Dimas 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 Dimas 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 Dimas families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in San Dimas. 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 San Dimas. 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 Dimas'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 Dimas is $1,250,000 for 2025, which covers most homes in this market. With a median home price of $895K, you'll find that FHA loans work well for the majority of properties here. This higher limit means you can purchase a typical San Dimas home with just 3.5% down if you qualify.
Most San Dimas buyers don't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $895K. You'll only need a jumbo loan if you're purchasing a home above $1.25 million. The majority of homes in the $600K. $900K range are well within conforming loan limits, giving you access to better rates and terms.
The 2026 loan limits for Los Angeles County haven't been announced yet, but current limits are $1,250,000 for conforming, FHA, and VA loans. These limits typically adjust annually based on home price trends. For the most current 2026 limits when they're released, contact a local lender who can provide updated information for your specific situation.
Yes, VA loans are very competitive in San Dimas with a loan limit of $1,250,000, which covers most homes in the area. If you're a qualified veteran or active military, you can purchase a typical San Dimas home with $0 down and no PMI. With the median home price at $895K, VA loans are an excellent option for eligible buyers in this market.
Our No Money Down program offers $0 down payment for qualified buyers in San Dimas. You can also explore CalHFA programs that provide down payment and closing cost assistance, as well as Los Angeles County programs designed for first. time and moderate. income buyers. With a median income of $102,241, many San Dimas buyers qualify for these programs, making homeownership more accessible in this $600K. $900K market.
Down payments in San Dimas vary by loan type, starting as low as 0% for VA loans and qualified programs, 3.5% for FHA ($31,325 on an $895K home), or 5. 10% for conventional loans. Many buyers in this market put down 10. 20% to stay competitive, though first. time buyers often use lower down payment options. Your specific situation and loan type will determine what works best for your budget.
You can qualify for an FHA loan in San Dimas with a credit score as low as 580, while conventional loans typically require 620 or higher. For the best rates on homes in the $600K. $900K range, aim for a score of 680 or above. VA loans are also flexible with credit requirements, and many lenders can work with scores in the 600s for qualified buyers.
Choose a lender experienced with San Dimas's $600K. $900K market who can explain all your options, from FHA and VA to conforming loans and down payment assistance. Look for competitive rates, responsive communication, and someone who understands Los Angeles County programs and can close on time. Getting pre. approved with a knowledgeable local lender gives you an edge in this balanced market where both first. time and move. up buyers compete.
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