Mortgage broker serving Santa Fe Springs, 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 Fe Springs buyers, we match your unique situation to the right program.
Santa Fe Springs 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 Santa Fe Springs 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 Fe Springs home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Santa Fe Springs starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Santa Fe Springs 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 Fe Springs 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 Fe Springs 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 Fe Springs buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Santa Fe Springs. Low down payment gets you into most properties here.
$0 down for Santa Fe Springs veterans. VA loans cover all properties with no PMI required.
Santa Fe Springs business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Santa Fe Springs. State assistance helps with down payment and closing costs.
Premium Santa Fe Springs homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Santa Fe Springs sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Santa Fe Springs investors. Buy rentals in entity names.
Conforming refinance for Santa Fe Springs homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Santa Fe Springs. Easiest way to lower your existing FHA rate.
VA streamline refi for Santa Fe Springs veterans. Fastest way to reduce your mortgage payment.
Turn Santa Fe Springs home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Santa Fe Springs homeowners. Access equity without replacing first mortgage.
Santa Fe Springs owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Santa Fe Springs investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Santa Fe Springs projects. Short-term financing for value-add investments.
Multifamily options for Santa Fe Springs investors. Finance apartment buildings with commercial loans.
Santa Fe Springs 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 Fe Springs buyers with qualifying income.
CalHFA programs popular in Santa Fe Springs. State assistance helps with down payment and closing costs.
Santa Fe Springs has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Santa Fe Springs buyers. Down payment assistance with no repayment.
Santa Fe Springs family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Santa Fe Springs 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 Fe Springs sits in southeast LA County, tucked between Whittier and Norwalk. Population is 18,840, median household income $81,500. The homeownership rate is 62.4%, which tells you people commit here when they buy. At $792K median home price, you're paying a premium compared to the Inland Empire or High Desert, but you're also getting something those areas can't offer: genuine proximity to LA job centers without the brutal commute. For a household pulling in $80-90K, you'll need solid credit and a healthy down payment to make the numbers work, but the location value is real.
The school situation here is what you'd expect from a small, established community in LA County. Santa Fe High serves the area, Los Nietos Middle School handles the middle years, and Lakeview Elementary takes the younger kids. These aren't the trophy schools you'd find in South Pasadena or Manhattan Beach, but they're stable neighborhood schools where families who bought in send their kids. When you're looking at $792K median prices, you're not paying for a 10-rated school district. You're paying for location and the ability to actually get home for dinner instead of sitting on the 10 or the 60 for two hours. Families who buy here tend to value commute time and community stability over chasing the highest test scores.
Here's the thing about Santa Fe Springs: it's a small city, and the housing stock is pretty uniform. You're looking at mostly post-war single-family homes, many from the 50s through 70s, sitting on modest lots. The $792K median means you'll need conventional financing with at least 10% down to compete, and honestly 20% down makes more sense to avoid PMI on a loan that size. FHA loans can work here, but in a competitive market, sellers often prefer conventional buyers who close cleaner. The city is landlocked and built out, so inventory stays tight. That keeps values stable but also means you won't find screaming deals. Most buyers here are either moving up from a starter home in a neighboring city or they're families who've been priced out of Whittier or La Mirada and are willing to compromise slightly on location for a house they can actually afford.
The commute situation is the main reason Santa Fe Springs costs what it costs. You're 24 minutes to downtown LA on a decent day, 38 minutes to Santa Monica, 33 minutes to Irvine, 24 minutes to Long Beach. Compare that to Apple Valley at 98 minutes or Lancaster at two hours, and you see where your mortgage payment goes. The 5, the 605, and the 60 are all close, which gives you options depending on where you work. Local transit exists but most people drive. If both adults in your household commute to different job centers, this location can actually save you money in gas and car maintenance even though your mortgage payment is higher. Real talk: you're trading house size and lot space for time, and for a lot of families with two working parents, that math works.
Santa Fe Springs has an interesting economic base that most buyers don't think about until they live here. The city has a massive industrial and manufacturing sector, which means steady blue-collar jobs and a tax base that keeps city services funded. You'll see warehouses, distribution centers, and light manufacturing throughout the city. The school district employs a fair number of people locally, and retail businesses line the main corridors. But most residents who buy homes here don't work in Santa Fe Springs. They work in LA, Orange County, Long Beach, or somewhere else in the basin and chose this city because they can get to multiple job centers without losing their minds on the freeway. The industrial base keeps property taxes reasonable relative to what you'd pay in a purely residential suburb, which matters when you're calculating your monthly PITI payment.
Common questions from Santa Fe Springs 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 Fe Springs 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 Fe Springs: 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 Fe Springs buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Santa Fe Springs 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 Fe Springs 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 Fe Springs 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 Fe Springs properties fall within conforming limits, maximizing your financing options.
For Santa Fe Springs'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 Fe Springs. 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 Fe Springs. 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 Fe Springs. 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 Fe Springs 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 Fe Springs: 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 Fe Springs buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Santa Fe Springs. 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 Fe Springs 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 Fe Springs 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 Fe Springs properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Santa Fe Springs 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 Fe Springs 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 Fe Springs families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Santa Fe Springs. 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 Fe Springs. 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 Fe Springs'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 Fe Springs is $1,250,000 for 2025, which covers most homes in the area since the median price is around $792K. This higher limit makes FHA loans a strong option for first. time buyers and those with smaller down payments in Los Angeles County. You'll need a minimum 3.5% down payment and a credit score of at least 580 to qualify.
Most buyers in Santa Fe Springs won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $792K. You'd only need a jumbo loan if you're purchasing a home above $1.25 million, which represents the higher end of the local market. The majority of homes here fall comfortably within conventional and FHA loan limits.
For 2026, Los Angeles County loan limits are $1,250,000 for conforming, FHA, and VA loans, covering single. family homes. These limits apply throughout the county, including Santa Fe Springs, and are significantly higher than the national baseline due to the area's elevated home prices. These limits are typically announced in late 2025 and may adjust based on market conditions.
Yes, VA loans are very competitive in Santa Fe Springs with a loan limit of $1,250,000 and no down payment required for eligible veterans and service members. With the median home price at $792K, most properties here fall well within VA loan limits. VA loans also don't require mortgage insurance, which can save you hundreds of dollars monthly compared to other low. down. payment options.
Our No Money Down program offers $0 down payment for qualified buyers in Santa Fe Springs, making homeownership immediately accessible. Additionally, CalHFA offers down payment assistance programs with deferred. payment junior loans, and Los Angeles County provides various first. time buyer grants and assistance options. These programs are particularly valuable in this market where the median home price of $792K would otherwise require a substantial down payment.
Down payments in Santa Fe Springs typically range from 0% to 20% depending on your loan type. VA loans and our No Money Down program require $0 down, FHA loans need just 3.5% (about $28K on a $792K home), and conventional loans start at 3% for first. time buyers or 5% for others. Putting down 20% ($158K on the median. priced home) eliminates mortgage insurance and strengthens your offer.
Most lenders require a minimum credit score of 620 for conventional loans in Santa Fe Springs, while FHA loans accept scores as low as 580 (or even 500 with 10% down). With the median home price at $792K, having a score above 680 will help you secure better interest rates and more favorable terms. VA loans are typically more flexible with credit requirements for eligible military buyers.
Choose a lender experienced with Santa Fe Springs's market and the $600K. $900K price range who can explain all your options including conventional, FHA, and VA loans. Look for competitive rates, transparent fees, and someone who understands Los Angeles County's higher loan limits and local down payment assistance programs. A knowledgeable local lender can also provide faster pre. approvals, which matters in this balanced market where you'll face some competition.
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