Mortgage broker serving Selma, 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 Selma buyers, we match your unique situation to the right program.
First-time buyers in Selma 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 Selma 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 Selma home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Selma starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Selma 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 Selma 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 Selma 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 dominates Selma purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Selma. State programs reduce out-of-pocket costs significantly.
Veterans buy Selma homes with $0 down. Full VA benefits cover all properties here.
Many Selma properties qualify for USDA zero-down loans. Rural designation required.
All Selma properties qualify for conforming loans. 3% down minimum for first-time buyers.
Selma local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Selma homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Selma. Investors can purchase in entity names.
FHA streamline dominates Selma refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Selma veterans. No paperwork hassles, quick closing.
Many Selma homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Selma refinance qualifies for conforming rates. Best terms for rate reduction.
Selma owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Selma. Predictable payments for major expenses.
DSCR financing for Selma investors. Buy rentals based on property income potential.
Fix-and-flip financing for Selma investors. Buy distressed properties, renovate, sell.
Commercial hard money in Selma. Quick funding when timing is critical.
Multifamily loans available for Selma apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Selma buyers with qualifying income.
CalHFA is a strong option for Selma. State programs reduce out-of-pocket costs significantly.
Selma local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Selma down payment help. Free money for qualified buyers.
Many Selma properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Selma benefit from gift of equity. No cash down payment needed.
Selma first-time buyers often use co-borrowers. Family help for 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
Selma sits in the heart of the Central Valley, 20 minutes south of Fresno in Fresno County. Population is 24,576, median household income $53,874. The homeownership rate here is 54.3%, right in the middle for California. At $402,500 median home price, you're looking at one of the more accessible entry points in the Central Valley for buyers who can't swing Fresno's higher prices but still want reasonable access to city jobs and services.
If you're buying with kids in mind, Selma Unified covers the whole city. Selma High School serves the entire district, Abraham Lincoln Middle feeds into it, and Garfield and Jackson Elementary anchor the elementary level. The schools aren't pulling top ratings statewide, but they're stable and the district has deep community roots. For families earning in that $50-60K range, the combination of sub-$410K homes and established schools makes qualifying for a conventional or FHA loan realistic. The homeownership rate tells you something too - over half the residents own rather than rent, so you'll have neighbors who care about property values and community stability.
Selma doesn't break down into a bunch of distinct subdivisions the way newer cities do. Downtown Selma runs around $403K median and represents most of the housing stock - you're looking at older homes with character, many from the early to mid-1900s when Selma was a major agricultural hub. The historic district along the main commercial streets gives the city its identity. Most buyers here use FHA loans because the price point and income levels line up perfectly with FHA's lower down payment requirements. You'll find a mix of original Craftsman-style homes and mid-century builds, most on decent-sized lots compared to what you'd get in a newer development. The lack of premium neighborhoods means you won't see huge price swings block to block, which actually helps with appraisals and loan approval.
The 20-minute commute to Fresno is Selma's biggest selling point for mortgage qualification. You can work in Fresno where wages tend to run higher, then buy in Selma where your dollar stretches further. Highway 99 runs just west of town and gets you north to Fresno or south toward Bakersfield in about 90 minutes if you need it. There's local transit, but real talk, most people drive. That Fresno commute is short enough that you're not burning through gas money or car maintenance the way you would with a 90-minute haul. For buyers trying to make the math work on a mortgage, living close to Fresno jobs without paying Fresno prices is the whole game.
Agriculture drives everything here. Selma Unified School District is the largest employer and provides stable public sector jobs with benefits. Del Monte Foods and Sun-Maid Growers both have major operations here - Sun-Maid's headquarters is actually in Selma, which tells you how central the raisin industry is to the local economy. Beyond that, you've got packing houses and agricultural operations throughout the area. The job mix is heavily weighted toward ag production, food processing, education, and related services. Most buyers either work locally in these industries or commute to Fresno for office jobs, healthcare, or government work. The income levels reflect that ag economy - $53,874 median household income means lenders here see a lot of conventional loans with lower down payments and plenty of FHA applications.
Common questions from Selma 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 Selma 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 Selma: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Selma buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Selma 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 Selma 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 Selma families purchase with minimal upfront cash.
2026 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Selma properties fall within conforming limits, maximizing your financing options.
For Selma'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 Selma. 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 Selma. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Selma. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Selma 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 Selma: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Selma buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Selma. 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 Fresno County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Selma 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 Selma 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 Fresno County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Selma properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Selma 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 Selma 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 Selma families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Selma. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Fresno County, and structure your purchase to minimize upfront costs.
You still have options in Selma. 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 Selma'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 Selma is $541,300 for 2025. This covers nearly all homes in Selma's market, where the median price is around $403,000, making FHA loans an excellent option for first. time buyers with limited down payment savings.
You won't need a jumbo loan for most homes in Selma. With conforming and FHA limits at $833,000 and $541,300 respectively, and typical home prices between $300K. $450K, standard loan programs will cover your purchase. Jumbo loans are only necessary for luxury properties well above Selma's median price of $403,000.
For 2025, Fresno County's loan limits are $541,300 for FHA loans, $833,000 for VA loans, and $833,000 for conforming conventional loans. These limits are set annually and typically adjust each January based on home price trends, so 2026 limits will be announced in late 2025.
Yes, VA loans are available in Selma with a generous loan limit of $833,000, which covers all typical homes in the area. If you're a qualified veteran or active military, VA loans offer 0% down with no mortgage insurance, making them one of the best options for homebuyers in Selma's $300K. $450K market.
Our No Money Down program offers $0 down payment for qualified buyers in Selma. Additionally, CalHFA programs provide down payment and closing cost assistance for first. time buyers, and Fresno County offers local DPA programs that can cover 3. 3.5% of your purchase price. Some areas of Selma may also qualify for USDA loans with zero down payment.
You can buy a Selma home with as little as 0% down through VA, USDA, or our No Money Down program. FHA loans require just 3.5% down (about $14,000 on a $403,000 home), while conventional loans typically need 3. 5% down. Down payment assistance programs can help cover most or all of these costs for qualified first. time buyers.
You can qualify for an FHA loan in Selma with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require a 620 minimum score, while VA loans are often approved with scores around 580. 620. Given Selma's entry. level market, FHA's flexible credit requirements make homeownership accessible for many first. time buyers.
Choose a lender experienced with Selma's entry. level market who understands FHA loans and down payment assistance programs that are crucial for buyers in the $300K. $450K range. Look for someone who can explain CalHFA, county DPA programs, and zero. down options clearly, and who offers competitive rates with transparent fees. A local lender familiar with Fresno County will navigate your transaction more smoothly than a national bank.
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