Mortgage broker serving San Jacinto, 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 Jacinto buyers, we match your unique situation to the right program.
San Jacinto offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your San Jacinto 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 Jacinto home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in San Jacinto starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for San Jacinto 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 Jacinto 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 Jacinto 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 Jacinto buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in San Jacinto. VA loans are the best deal for eligible veterans.
Nearly all San Jacinto homes qualify for conforming loans. Best rates available for qualified buyers.
San Jacinto buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed San Jacinto buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible San Jacinto areas. Check rural designation by address.
Bridge loans available for San Jacinto transitions. Finance new purchase before selling.
Entity purchase programs for San Jacinto. LLC financing for investment properties.
San Jacinto FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all San Jacinto refinances qualify as conforming. Competitive rates with quick approval.
San Jacinto veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for San Jacinto homeowners with equity. Access funds for any purpose.
San Jacinto owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for San Jacinto homeowners. Lump sum with fixed monthly payments.
San Jacinto rental properties qualify with DSCR. No personal income verification needed.
San Jacinto renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for San Jacinto commercial. Fast financing for competitive markets.
Apartment financing in San Jacinto. 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 Jacinto buyers with qualifying income.
San Jacinto buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in San Jacinto. City programs plus CalHFA can cover most down payment.
Grant programs for San Jacinto first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible San Jacinto areas. Check rural designation by address.
Gift of equity for San Jacinto family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps San Jacinto 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 Jacinto sits in the San Jacinto Valley in Riverside County, about 95 miles east of LA. Population is 54,077, median household income $73,682. The homeownership rate here is 71.5%, which tells you something important - people who buy here tend to stay. At $500K median home price, you're looking at a market that's more affordable than most of Riverside County but not bargain-basement cheap. A household pulling in $70-75K can potentially qualify with the right loan structure, though you'll need solid credit and a decent down payment to make the numbers work.
San Jacinto High School serves the area, and you've got Estudillo Elementary and North Mountain Elementary for the younger kids. Mt. San Jacinto College is right there in nearby Menifee, which matters if you've got older kids planning to stay local for community college. The schools aren't pulling top-tier ratings, but they're stable and the district is the largest employer in town, which means consistent funding. That 71.5% homeownership rate tells you families are buying and staying put, not renting short-term. When most of your neighbors own their homes, it creates stability that helps protect your property value over time.
Here's the thing about San Jacinto - the neighborhoods all cluster around that $500K median, so you're not seeing the huge price swings you get in other valley towns. Downtown San Jacinto is the historic core with older buildings and the original town layout, running right at that $500K mark. These are established properties where conventional loans work fine if you've got 10-20% down. Valle Vista sits in the valley proper, same price range, mostly single-family homes where FHA loans are common for buyers putting down 3.5%. Seven Hills represents the newer residential tract development, also $500K, and these properties tend to appraise cleanly for conventional financing. The tight price range means you're choosing based on home style and lot size, not stretching your budget to get into a better area.
The commute to LA is about 95 minutes on a typical day, which is long but not impossible if you're doing it a few days a week. Real talk, that drive time is exactly why San Jacinto stays at $500K while comparable homes in Corona or Murrieta run $650K-$750K. You're trading windshield time for a mortgage payment that's $400-$500 less per month. Local transit exists but this is a car-dependent area. If you work remotely or have a job in the valley, you get the Southern California lifestyle without the crushing housing costs that come with being closer to the coast or major job centers.
San Jacinto Unified School District is the biggest employer, followed by Soboba Casino on the reservation land, which provides steady hospitality and gaming jobs. City of San Jacinto and Riverside County government services add public sector stability, plus the usual retail and service sector mix. The job market isn't booming but it's steady, and that matters for mortgage approval - lenders like seeing diverse, stable employment in the area. Most buyers here either work locally in education, government, or casino hospitality, or they're commuting to jobs in the Inland Empire. The employment mix supports that $73K median income, which lines up pretty well with what you need to afford a $500K home.
Common questions from San Jacinto 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 Jacinto 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 Jacinto: 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 Jacinto buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified San Jacinto 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 Jacinto 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 Jacinto families purchase with minimal upfront cash.
2026 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most San Jacinto properties fall within conforming limits, maximizing your financing options.
For San Jacinto'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 Jacinto. 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 Jacinto. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in San Jacinto. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Jacinto 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 Jacinto: 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 Jacinto buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in San Jacinto. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Jacinto 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 Jacinto 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 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most San Jacinto properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified San Jacinto 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 Jacinto 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 Jacinto families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in San Jacinto. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in San Jacinto. 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 Jacinto'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 Jacinto is $690,000 for 2026, which covers nearly all homes in the area since most properties are priced between $450K and $600K. This makes FHA loans an excellent option for first. time buyers and those with smaller down payments. You'll only need 3.5% down and can qualify with a credit score as low as 580.
You won't need a jumbo loan in San Jacinto since the conforming loan limit is $833,000 and most homes sell between $450K and $600K. Standard FHA, VA, and conventional loans will cover virtually every property in the area. Jumbo loans are only necessary if you're purchasing a home above $833,000, which is rare in this market.
For 2026, Riverside County loan limits are $690,000 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are more than sufficient for San Jacinto's median home price of $500K. The higher limits give buyers plenty of flexibility when choosing loan programs.
Yes, VA loans are excellent in San Jacinto with a loan limit of $833,000, which covers all homes in the area. Veterans and active military can buy with $0 down, no mortgage insurance, and competitive rates on homes typically priced $450K to $600K. VA loans are one of the most powerful options available for eligible buyers in this affordable market.
Our No Money Down program offers $0 down payment for qualified buyers in San Jacinto. You can also access CalHFA programs offering up to 3.5% assistance, Riverside County down payment assistance grants, and often stack multiple programs together. With San Jacinto's affordable prices and strong DPA eligibility, many first. time buyers can purchase with little to no money out of pocket.
You can buy a San Jacinto home with as little as 3.5% down using an FHA loan (about $17,500 on a $500K home) or 3% down with Conventional 97 (around $15,000). VA buyers and those using our No Money Down program can purchase with $0 down. Many first. time buyers combine low down payment loans with assistance programs to reduce upfront costs even further.
You can qualify for an FHA loan in San Jacinto with a credit score as low as 580, making it ideal for first. time buyers and credit rebuilders. Conventional loans typically require 620 or higher, while VA loans are more flexible with scores around 580. 600. Given San Jacinto's affordable prices and buyer profile, FHA is often the best path for those building or rebuilding credit.
Choose a lender experienced with San Jacinto's affordable market who understands FHA, VA, and down payment assistance programs that work best for homes in the $450K. $600K range. Look for someone who can explain how to stack DPA programs and offers multiple loan options tailored to first. time buyers. Local expertise matters since Riverside County has specific programs and requirements that can save you thousands.
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