Mortgage broker serving Santa Clarita, 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 Santa Clarita buyers, we match your unique situation to the right program.
Santa Clarita 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 Santa Clarita 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 Santa Clarita home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Santa Clarita starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Santa Clarita 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 Santa Clarita 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 Santa Clarita 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 Santa Clarita buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Santa Clarita. Low down payment gets you into most properties here.
$0 down for Santa Clarita veterans. VA loans cover all properties with no PMI required.
Santa Clarita business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Santa Clarita. State assistance helps with down payment and closing costs.
Premium Santa Clarita homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Santa Clarita sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Santa Clarita investors. Buy rentals in entity names.
Conforming refinance for Santa Clarita homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Santa Clarita. Easiest way to lower your existing FHA rate.
VA streamline refi for Santa Clarita veterans. Fastest way to reduce your mortgage payment.
Turn Santa Clarita home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Santa Clarita homeowners. Access equity without replacing first mortgage.
Santa Clarita owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Santa Clarita investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Santa Clarita projects. Short-term financing for value-add investments.
Multifamily options for Santa Clarita investors. Finance apartment buildings with commercial loans.
Santa Clarita 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 Santa Clarita buyers with qualifying income.
CalHFA programs popular in Santa Clarita. State assistance helps with down payment and closing costs.
Santa Clarita has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Santa Clarita buyers. Down payment assistance with no repayment.
Santa Clarita family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Santa Clarita 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
Santa Clarita sits about 35 miles north of downtown LA in the Santa Clarita Valley. Population is 225,850, median household income $116,186. The homeownership rate here is 71.1%, which tells you something important: this is a city where people buy and stay. At $777,500 median home price, you're looking at one of the last places in LA County where a household earning six figures can still qualify for a conventional loan on a single-family home without stretching into jumbo territory or burning through their entire savings on a down payment.
The school situation is a big reason families stretch their budgets to buy here instead of cheaper areas further out. Hart High, Golden Valley High, Canyon High, Saugus High, and Valencia High all pull strong ratings, and the William S. Hart Union High School District is the largest employer in the city. That stability matters when you're thinking about resale value five or ten years down the road. Schools drive property values, and good schools mean your home appreciates better than comparable properties in districts with lower ratings. If you've got kids or plan to, lenders know buyers will pay a premium for this district, which helps your appraisal come in where it needs to.
Here's the thing about Santa Clarita: the median price sits right around $778K across most neighborhoods, but what you get for that money varies quite a bit. Valencia is the master-planned showpiece with Six Flags Magic Mountain right there, newer builds, HOAs that keep everything looking sharp, and shopping that means you don't have to drive to LA for everything. Conventional loans dominate here, and appraisals tend to be clean because there's tons of comparable sales data. Newhall is the historic downtown core with Old Town charm, older homes with character, and it's becoming the spot for buyers who want walkability and don't need the newest construction. Saugus sits central with a mix of ages and styles, good for families who want space without paying the Valencia premium. Canyon Country on the east side gets you closer to natural areas and the Santa Clara River, appeals to buyers who want a bit more elbow room and don't mind being further from the 5 freeway.
The commute to downtown LA runs about 44 minutes when traffic cooperates, Santa Monica 39 minutes, Long Beach 62 minutes. That's the trade you're making: you get LA County schools and amenities without LA County pricing, but you're driving when you need to get into the basin. The 5 freeway is your lifeline south, and yeah, it backs up during rush hour like every other LA County corridor. But look at what you're getting for that drive: a $777K house here versus what that same money buys you in Burbank or Glendale. If you work remotely a few days a week or have flexible hours, the commute becomes manageable and your mortgage payment stays reasonable.
The William S. Hart Union High School District is the biggest employer, followed by Henry Mayo Newhall Hospital, College of the Canyons, the City of Santa Clarita itself, and Princess Cruises runs their corporate headquarters here. That's a solid mix of public sector stability and private sector jobs that aren't going anywhere. Real talk: most buyers here either work locally in education, healthcare, or city services, or they commute south for higher-paying jobs in entertainment, tech, or finance and use that income to qualify for mortgages up here. Lenders like seeing dual-income households earning $120K-$150K combined because that's the sweet spot for qualifying on a $780K purchase with 20% down and a conventional loan. The local job base means if one spouse loses a job, there's usually something available nearby to keep you making your mortgage payment.
Common questions from Santa Clarita 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 Santa Clarita 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 Santa Clarita: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Santa Clarita buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Santa Clarita 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 Santa Clarita 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 Santa Clarita 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 Santa Clarita properties fall within conforming limits, maximizing your financing options.
For Santa Clarita'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 Santa Clarita. 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 Santa Clarita. 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 Santa Clarita. 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 Santa Clarita 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 Santa Clarita: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Santa Clarita buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Santa Clarita. 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 Santa Clarita 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 Santa Clarita 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 Santa Clarita properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Santa Clarita 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 Santa Clarita 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 Santa Clarita families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Santa Clarita. 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 Santa Clarita. 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 Santa Clarita'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 Santa Clarita is $1,250,000 for 2025, which covers most homes in the area since the median price is around $778K. This higher limit means you can use FHA financing with just 3.5% down on homes well above the typical price range. Santa Clarita's FHA limit is significantly higher than the national baseline due to Los Angeles County's housing costs.
Most Santa Clarita buyers don't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $778K. You'll only need jumbo financing if you're buying above $1.25M, which represents the higher end of the local market. The majority of homes in the $600K. $900K range qualify for conventional conforming loans with better rates and terms.
For 2025, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply to Santa Clarita and cover the vast majority of home purchases in the area. The 2026 limits haven't been announced yet, but they're typically released in November 2025 and may adjust based on home price trends.
Yes, VA loans are very competitive in Santa Clarita with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. This limit covers nearly all homes in the area, including those above the $778K median price. VA loans are popular here because they offer 0% down with no mortgage insurance, making them one of the best financing options available.
Our No Money Down program offers $0 down payment for qualified buyers in Santa Clarita. 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 the median income at $116K, many Santa Clarita families qualify for these assistance options.
Down payments in Santa Clarita vary by loan type: you can put down as little as 0% with VA or USDA loans, 3% with conventional loans, or 3.5% with FHA. On the median $778K home, that's $23,340 for conventional or $27,230 for FHA. Many buyers in the $600K. $900K range use these low down payment options to preserve cash for reserves and moving costs.
Most lenders require a minimum credit score of 620 for conventional loans and 580 for FHA loans in Santa Clarita. However, you'll get better interest rates with scores above 680, which can save you significantly on a $778K median. priced home. If your score is below 620, consider working with a lender who can help you improve it before applying.
Choose a lender experienced with Santa Clarita's $600K. $900K market who can offer multiple loan options including conventional, FHA, and VA products. Look for competitive rates, clear communication, and knowledge of local down payment assistance programs that can help you maximize your buying power. A lender familiar with Los Angeles County's higher loan limits will ensure you get the best financing for your specific situation.
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