Mortgage broker serving San Juan Bautista, 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 Juan Bautista buyers, we match your unique situation to the right program.
First-time buyers in San Juan Bautista need the right loan programs to maximize their purchasing power.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your San Juan Bautista 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 Juan Bautista home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in San Juan Bautista starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for San Juan Bautista 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 Juan Bautista 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 Juan Bautista 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 Juan Bautista buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in San Juan Bautista. VA loans are the best deal for eligible veterans.
Nearly all San Juan Bautista homes qualify for conforming loans. Best rates available for qualified buyers.
San Juan Bautista buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed San Juan Bautista buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible San Juan Bautista areas. Check rural designation by address.
Bridge loans available for San Juan Bautista transitions. Finance new purchase before selling.
Entity purchase programs for San Juan Bautista. LLC financing for investment properties.
San Juan Bautista FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all San Juan Bautista refinances qualify as conforming. Competitive rates with quick approval.
San Juan Bautista veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for San Juan Bautista homeowners with equity. Access funds for any purpose.
San Juan Bautista owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for San Juan Bautista homeowners. Lump sum with fixed monthly payments.
San Juan Bautista rental properties qualify with DSCR. No personal income verification needed.
San Juan Bautista renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for San Juan Bautista commercial. Fast financing for competitive markets.
Apartment financing in San Juan Bautista. 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 Juan Bautista buyers with qualifying income.
San Juan Bautista buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in San Juan Bautista. City programs plus CalHFA can cover most down payment.
Grant programs for San Juan Bautista first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible San Juan Bautista areas. Check rural designation by address.
Gift of equity for San Juan Bautista family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps San Juan Bautista 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 Juan Bautista is a tiny historic town of just 1,976 people tucked into San Benito County, about 30 miles inland from [Monterey](/mortgage-loans-and-refinance-in-monterey-ca). Median household income sits at $103,036, which is well above California's average, and the homeownership rate of 61.7% reflects a community where people commit long-term. At $505K median home price, you're paying a premium for small-town character and history, but that income level means many buyers here can qualify with conventional financing if they've got stable employment and decent credit.
The school options are limited because the town itself is so small. San Juan School serves the elementary and middle grades, while Anzar High School handles high school students. You won't find detailed ratings published for schools this small, but the real consideration here is whether you're comfortable with a tiny school environment where your kids will know everyone in their class. Some families love that tight-knit feel, others want more options and end up looking at private schools in nearby Hollister or Salinas. If you're financing with kids in mind, factor in that this isn't a place where school district boundaries create big price swings between neighborhoods. The whole town basically shares the same schools, so you're buying for the property itself and the lifestyle, not to get into a specific attendance zone.
Here's the thing about San Juan Bautista: it's so small that talking about distinct neighborhoods is almost misleading. The Historic Downtown and Plaza District is the heart of everything, with homes right near the mission and 19th-century buildings that attract tourists year-round. Properties here run around $505K and you're buying into a postcard, but you're also living in a place where tour buses roll through on weekends. The residential areas along Third Street spread out from the historic core with a mix of older homes and some newer construction, same $505K range, giving you a bit more separation from the tourist traffic. Conventional loans dominate here because buyers tend to have strong incomes and down payments. FHA and VA loans work fine too, but you won't see much subprime or creative financing in a market this stable and this small.
The commute situation is the main reason this town stays affordable relative to the Bay Area proper. [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca) is 93 minutes on a good day, which is doable but rough for a daily grind. Most people who buy here either work locally, work remotely, or have jobs in [Hollister](/mortgage-loans-and-refinance-in-hollister-ca) or [Salinas](/mortgage-loans-and-refinance-in-salinas-ca) that keep the commute under 30 minutes. There's no freeway running through town, which preserves the character but also means you're committed to two-lane roads and slower travel times. If you're financing a home here while planning to commute to San Jose or San Francisco, lenders will qualify you based on your current income, but you need to be honest with yourself about whether you can sustain that drive long-term. Burnout on a brutal commute can lead to job changes that affect your ability to keep up with the mortgage.
San Benito County government is the largest employer in the area, providing stable public sector jobs with benefits that help people qualify for mortgages. The San Juan Bautista School District employs teachers and staff locally. Mission San Juan Bautista itself is both a historic landmark and an employer, along with the various tourism and hospitality businesses that depend on the 200,000-plus visitors who come through each year. Local agriculture and farming operations provide another employment base, though those jobs vary seasonally. The truth is, most buyers here aren't working in San Juan Bautista itself. They're either remote workers who can live anywhere, retirees downsizing from pricier Bay Area markets, or people with jobs in Hollister, Salinas, or Gilroy who want small-town life. That $103K median income tells you this isn't a bedroom community for service workers. It's professionals and retirees who can afford the premium for peace and quiet.
Common questions from San Juan Bautista 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 Juan Bautista 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 Juan Bautista: 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 Juan Bautista buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified San Juan Bautista 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 Juan Bautista 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 Juan Bautista families purchase with minimal upfront cash.
2026 San Benito County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most San Juan Bautista properties fall within conforming limits, maximizing your financing options.
For San Juan Bautista'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 Juan Bautista. 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 Juan Bautista. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Benito County, and structure your purchase to minimize upfront costs.
You still have options in San Juan Bautista. 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 Benito County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Juan Bautista 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 Juan Bautista: 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 Juan Bautista buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in San Juan Bautista. 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 Benito County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in San Juan Bautista 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 Juan Bautista 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 Benito County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most San Juan Bautista properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified San Juan Bautista 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 Juan Bautista 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 Juan Bautista families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in San Juan Bautista. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Benito County, and structure your purchase to minimize upfront costs.
You still have options in San Juan Bautista. 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 Juan Bautista'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 Juan Bautista is $1,250,000 for 2025, which covers virtually all homes in this market. With median home prices around $505K, you'll have plenty of room to use an FHA loan with just 3.5% down. This makes FHA an excellent choice for first. time buyers and those with credit scores as low as 580.
You won't need a jumbo loan for most homes in San Juan Bautista since the conforming loan limit is $1,250,000 and median prices are around $505K. The vast majority of homes here fall well within conventional, FHA, and VA loan limits. Jumbo loans would only be necessary for luxury properties priced above $1.25M, which are rare in this affordable market.
For 2025, San Benito County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits easily accommodate San Juan Bautista's typical home prices of $450K to $600K. The 2026 limits haven't been announced yet, but they're typically released in November 2025 and often adjust based on home price trends.
Yes, VA loans are an excellent option in San Juan Bautista with a loan limit of $1,250,000 and $0 down payment required. With homes typically priced between $450K and $600K, eligible veterans and service members can purchase without any down payment and avoid mortgage insurance. VA loans are particularly competitive here for qualified buyers.
Our No Money Down program offers $0 down payment for qualified buyers in San Juan Bautista. You can also access CalHFA programs offering 3% to 3.5% assistance, and San Benito County often has local DPA options that can be stacked with state programs. With median home prices around $505K, these programs can save you $15,000 to $25,000 or more in upfront costs.
Down payments in San Juan Bautista can be as low as 0% with VA or USDA loans, 3% with conventional 97 loans, or 3.5% with FHA financing. On a $505K home, that's $15,150 with conventional or $17,675 with FHA. Many first. time buyers here combine low down payment loans with assistance programs to minimize their upfront costs.
You can qualify for an FHA loan in San Juan Bautista with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require 620 or higher, while VA loans are often approved with scores around 580 to 600. Since this market attracts many first. time buyers and credit rebuilders, lenders here regularly work with scores in the 580 to 680 range.
Look for a lender experienced with San Juan Bautista's affordable market who understands FHA, VA, and down payment assistance programs popular with first. time buyers here. They should offer competitive rates on loans in the $450K to $600K range and be familiar with stacking DPA programs. Ask about their experience with credit scores in the 580 to 680 range, since many buyers in this market are building or rebuilding credit.
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