Mortgage broker serving Seaside, 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 Seaside buyers, we match your unique situation to the right program.
Seaside's competitive market demands strong pre-approval and flexible loan options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Seaside 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 Seaside home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Seaside starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Seaside 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 Seaside 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 Seaside 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: $832,750 |
| 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 $832,750 |
| 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 Seaside buyers. Most homes under $995K with competitive rates.
Strong FHA option in Seaside. Low down payment gets you into most properties here.
$0 down for Seaside veterans. VA loans cover all properties with no PMI required.
Seaside business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Seaside. State assistance helps with down payment and closing costs.
Premium Seaside homes over $995K require jumbo loans. Less common but available for luxury properties.
Seaside sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Seaside investors. Buy rentals in entity names.
Conforming refinance for Seaside homeowners. Best rates for loans under $995K.
FHA streamline refinance for Seaside. Easiest way to lower your existing FHA rate.
VA streamline refi for Seaside veterans. Fastest way to reduce your mortgage payment.
Turn Seaside home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Seaside homeowners. Access equity without replacing first mortgage.
Seaside owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Seaside investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Seaside projects. Short-term financing for value-add investments.
Multifamily options for Seaside investors. Finance apartment buildings with commercial loans.
Seaside 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 Seaside buyers with qualifying income.
CalHFA programs popular in Seaside. State assistance helps with down payment and closing costs.
Seaside has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Seaside buyers. Down payment assistance with no repayment.
Seaside family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Seaside 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
Seaside sits on Monterey Bay about two hours south of San Francisco. Population is 32,291, median household income $80,239. The homeownership rate here is just 39%, well below California's average, and that tells you something important about the market. At $790K median home price, you're paying a premium for Central Coast location, but it's still cheaper than Carmel or Monterey proper. Most buyers here need strong income or significant down payments to make the numbers work.
The school situation here is mixed, which matters when you're thinking about long-term value and resale. Seaside High School and Seaside Middle School serve the majority of families, with Martin Luther King Jr. Academy and Ord Terrace Elementary handling younger kids. Ratings aren't the highest on the peninsula, but the proximity to California State University Monterey Bay adds an educational presence that some buyers value. That low 39% homeownership rate means you're competing with a lot of rental properties and investors, which can affect neighborhood stability. If schools are your top priority, you might end up looking at nearby communities, but you'll pay more for Carmel Unified or Pacific Grove.
Your options in Seaside are more limited than in larger cities, and that $790K median applies pretty consistently across the area. Ord Village runs around $790K and sits on former Fort Ord military base land, with newer residential development and easy access to CSUMB. This area attracts university employees and younger buyers who can handle conventional loans with solid down payments. The Del Rey Oaks border area in the southern portion of Seaside also hovers around $790K, with mixed residential styles and proximity to Highway 68. Both areas see a mix of conventional financing and some VA loans given the military history here. The tight inventory and rental-heavy market mean you're often competing against cash offers or investors, so getting pre-approved with strong terms matters.
The commute to San Francisco takes about two hours on Highway 1 or 101, which is why most people who buy here work locally or on the peninsula. Los Angeles is over five hours away, so forget that daily commute. Local transit exists through MST buses, but let's be honest, you'll want a car here. The lack of major highway access keeps Seaside quieter than it would be otherwise, but it also means you're somewhat isolated if you need to travel for work regularly. Most buyers here either have jobs in Monterey, Salinas, or at CSUMB, or they're remote workers willing to pay for coastal access without the full Carmel price tag.
California State University Monterey Bay is the anchor employer here, bringing steady education jobs and student rental demand that keeps the market active. Monterey Peninsula Unified School District, Community Hospital of the Monterey Peninsula, and the City of Seaside itself provide public sector stability. The former Fort Ord facilities still have some U.S. Army presence, and you'll find VA loan usage higher here than in many California markets. The job mix leans heavily on education, healthcare, government, and tourism-related work throughout the broader Monterey Peninsula. Real talk, the $80K median income is decent but barely covers a $790K mortgage without stretching your debt-to-income ratio, so many buyers here are dual-income households or have help with down payments.
Common questions from Seaside 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 Seaside 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 Seaside: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Seaside buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Seaside 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 Seaside 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 Seaside families purchase with minimal upfront cash.
2026 Monterey County limits: FHA $994,750, Conventional $994,750. Any loan above $994,750 is a jumbo loan. Most Seaside properties fall within conforming limits, maximizing your financing options.
For Seaside'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 Seaside. 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 Seaside. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Monterey County, and structure your purchase to minimize upfront costs.
You still have options in Seaside. 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 Monterey County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Seaside 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 Seaside: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Seaside buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Seaside. 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 Monterey County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Seaside 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 Seaside 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 Monterey County limits: FHA $994,750, Conventional $994,750. Any loan above $994,750 is a jumbo loan. Most Seaside properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Seaside 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 Seaside 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 Seaside families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Seaside. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Monterey County, and structure your purchase to minimize upfront costs.
You still have options in Seaside. 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 Seaside'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 Seaside is $995,000 for 2025. This higher limit makes FHA loans a strong option for most homes in Seaside, where the median price is around $790,000. You can purchase a typical Seaside home with just 3.5% down using an FHA loan.
Most buyers in Seaside won't need a jumbo loan since the conforming loan limit is $995,000 and the median home price is $790,000. You'll only need a jumbo loan if you're purchasing a home priced above $995,000. The majority of homes in Seaside's $600K. $900K range qualify for conventional, FHA, or VA financing.
For 2025, Monterey County's loan limits are $995,000 for conforming, FHA, and VA loans. The 2026 limits haven't been announced yet, but they're typically released in November 2025. These limits are reviewed annually and may increase based on home price trends in the area.
Yes, VA loans are very competitive in Seaside with a loan limit of $995,000 and no down payment required for eligible veterans and service members. With Seaside's median home price at $790,000, most properties qualify for VA financing. VA loans also don't require mortgage insurance, which can save you hundreds monthly.
Our No Money Down program offers $0 down payment for qualified buyers in Seaside. Additionally, CalHFA offers down payment assistance programs with grants and deferred. payment junior loans for first. time and repeat buyers. Monterey County may also have local programs available, and many of these can be combined with FHA, VA, or conventional loans.
Down payment requirements in Seaside vary by loan type. Conventional loans typically require 3. 5% down ($23,700. $39,500 on a $790,000 home), FHA loans need 3.5% down ($27,650), and VA loans offer $0 down for eligible veterans. Our No Money Down program can also help qualified buyers purchase with no down payment.
Most lenders require a minimum credit score of 620 for conventional loans in Seaside, while FHA loans can go as low as 580 (or even 500 with 10% down). VA loans typically require around 580. 620 depending on the lender. With Seaside's median income of $80,239 and home prices around $790,000, a strong credit score will help you qualify for better rates.
Look for a lender experienced with Seaside's balanced market and the mix of conventional, FHA, and VA loans common here. Compare rates, fees, and closing timelines from multiple lenders, and ask about their experience with homes in the $600K. $900K range. A local lender familiar with Monterey County can often navigate the process more smoothly and offer insights on down payment assistance programs available in the area.
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