Mortgage broker serving San Fernando, 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 Fernando buyers, we match your unique situation to the right program.
San Fernando buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your San Fernando 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 Fernando home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in San Fernando starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for San Fernando 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 Fernando 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 Fernando 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 Fernando buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in San Fernando. Low down payment gets you into most properties here.
$0 down for San Fernando veterans. VA loans cover all properties with no PMI required.
San Fernando business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in San Fernando. State assistance helps with down payment and closing costs.
Premium San Fernando homes over $1.25M require jumbo loans. Less common but available for luxury properties.
San Fernando sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for San Fernando investors. Buy rentals in entity names.
Conforming refinance for San Fernando homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for San Fernando. Easiest way to lower your existing FHA rate.
VA streamline refi for San Fernando veterans. Fastest way to reduce your mortgage payment.
Turn San Fernando home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for San Fernando homeowners. Access equity without replacing first mortgage.
San Fernando owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for San Fernando investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for San Fernando projects. Short-term financing for value-add investments.
Multifamily options for San Fernando investors. Finance apartment buildings with commercial loans.
San Fernando 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 Fernando buyers with qualifying income.
CalHFA programs popular in San Fernando. State assistance helps with down payment and closing costs.
San Fernando has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for San Fernando buyers. Down payment assistance with no repayment.
San Fernando family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for San Fernando 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 Fernando is a 2.4 square mile city tucked into the northeast San Fernando Valley, about 25 miles north of downtown LA. Population is 23,958, median household income $70,950. The homeownership rate sits at 59.9%, which is respectable for LA County but tells you something important: at $715K median home price, you're looking at one of the more accessible entry points into the Valley, but you'll still need solid income and down payment to make the numbers work. A household pulling in $70K needs to think carefully about loan options and maybe look at FHA or down payment assistance programs.
If you've got kids, the school ratings here aren't going to blow you away, but that's part of why San Fernando stays more affordable than neighboring Sylmar or Granada Hills. San Fernando High, San Fernando Middle, and Cesar Chavez Learning Academies serve the area through LAUSD. The ratings run lower than westside schools, which directly impacts property values and keeps prices from climbing into the $900K range you'll see just a few miles west. Families who buy here are often banking on smaller class sizes in a tight-knit community rather than chasing test scores. That trade-off is real, and it's worth thinking through if you're planning to stay long-term or counting on appreciation for a future move-up buy.
San Fernando is small enough that neighborhoods blend together more than in sprawling Valley cities. Downtown San Fernando runs around $715K median and gives you the historic core with older homes, many built in the 1940s and 50s, plus walkable access to local shops and the Mission. You'll find a mix of single-family homes and small multifamily properties, which means FHA and conventional loans both work here depending on the property type and your down payment situation. The housing stock is older, so budget for inspection contingencies and potential repairs when you're calculating what you can actually afford. Some buyers use FHA 203k renovation loans to buy a fixer and roll repair costs into the mortgage, which can be smart if you've got the patience for a project. The small city footprint means you're either in or you're out, there's not a lot of variation in price zones like you'd see in a bigger place.
Here's where San Fernando shines for the price point. You're 33 minutes to downtown LA, 30 minutes to Santa Monica, 55 minutes to Long Beach. That Santa Monica commute time is the key number because you're getting Valley affordability with reasonable access to westside jobs that pay $80K-$120K. The 5, 118, and 405 freeways are all within striking distance, and the Metrolink station in nearby Sylmar connects you to Union Station and beyond if you want to skip the drive. Local transit runs through the city for getting around the Valley without a car. The commute isn't nothing, but it's manageable, and that's why people stretch their budgets to buy here instead of pushing out to Palmdale or Lancaster where prices drop but your life becomes the freeway.
Los Angeles Unified School District is the biggest employer, which makes sense given the city's size and the number of schools serving the area. City of San Fernando provides steady municipal jobs, and Providence Holy Cross Medical Center nearby in Mission Hills adds healthcare employment to the mix. The job base here is service-oriented, education, healthcare, local government, and retail along San Fernando Road. Most buyers work elsewhere in the Valley or commute into LA proper, but having local employment anchors matters for long-term stability and property values. Real talk, you're probably not buying in San Fernando because of the local job market. You're buying because $715K gets you into LA County with a real address and a manageable commute to where the money actually is.
Common questions from San Fernando 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 Fernando 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 Fernando: 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 Fernando buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified San Fernando 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 Fernando 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 Fernando 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 Fernando properties fall within conforming limits, maximizing your financing options.
For San Fernando'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 Fernando. 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 Fernando. 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 Fernando. 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 Fernando 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 Fernando: 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 Fernando buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in San Fernando. 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 Fernando 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 Fernando 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 Fernando properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified San Fernando 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 Fernando 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 Fernando families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in San Fernando. 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 Fernando. 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 Fernando'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 Fernando is $1,250,000 for 2025, which covers most homes in this market. With a median home price around $715K, you'll find FHA loans work well for the majority of properties here. This higher limit makes FHA financing a competitive option for first. time buyers and those with smaller down payments.
Most buyers in San Fernando don't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is around $715K. You'd only need a jumbo loan if you're purchasing a home over $1.25 million, which represents a smaller segment of the market here. The majority of homes fall comfortably within conventional, FHA, and VA loan limits.
For 2025, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits typically adjust annually based on home price trends, so 2026 limits will be announced in late 2025. The current $1.25M limit provides strong purchasing power for most San Fernando buyers.
Yes, VA loans are very competitive in San Fernando with a loan limit of $1,250,000 and no down payment required for eligible veterans. With the median home price at $715K, most properties here fall well within VA loan limits. VA loans offer excellent terms including no PMI and competitive interest rates for qualified service members.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible in San Fernando's market. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus Los Angeles County housing programs designed for first. time and moderate. income buyers. These programs can be particularly helpful given the area's median income of about $71K and typical home prices in the $600K. $900K range.
Down payment requirements in San Fernando vary by loan type: conventional loans typically need 3. 5% down ($21K. $36K on a $715K home), FHA requires 3.5% ($25K), and VA or USDA loans offer $0 down for qualified buyers. With homes typically ranging $600K. $900K, you'll want to budget accordingly, though down payment assistance programs can help reduce your upfront costs.
Most lenders require a minimum credit score of 620 for conventional loans in San Fernando, while FHA loans can go as low as 580 (or even 500 with 10% down). For the best rates on homes in the $600K. $900K range, you'll want a score of 680 or higher. VA loans are also flexible with credit requirements for eligible veterans and service members.
Look for a lender experienced with San Fernando's balanced market and the $600K. $900K price range who can offer multiple loan options including conventional, FHA, and VA products. Compare rates, fees, and closing timelines from at least three lenders, and ask about their familiarity with local down payment assistance programs. A lender who understands Los Angeles County's higher loan limits and can guide first. time and move. up buyers will make your home purchase smoother.
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