Mortgage broker serving Solana Beach, 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 Solana Beach buyers, we match your unique situation to the right program.
Solana Beach's luxury market requires specialized jumbo financing expertise for properties well above the $1.1M conforming limit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Solana Beach 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 Solana Beach home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Solana Beach starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Solana Beach 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 Solana Beach 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 Solana Beach homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing Solana Beach home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Solana Beach prices often exceed $1.1M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.1M get conforming financing. Split between conforming and jumbo in Solana Beach.
Self-employed? Solana Beach bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Solana Beach properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Solana Beach buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Solana Beach buyers can use FHA with 3.5% down. Limit is $1.01M.
Bridge financing for Solana Beach moves. Purchase before your current home sells.
Entity financing for Solana Beach investors. Purchase in LLC for asset protection.
Solana Beach loans under $1.1M get conforming refinance rates. Best rates available.
Access Solana Beach home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Solana Beach homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Solana Beach veterans. Lower your rate without appraisal or income docs.
Solana Beach home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Solana Beach homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Solana Beach can use DSCR financing. Rental income qualifies the loan.
Solana Beach rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Solana Beach apartment buildings. Commercial rates for larger properties.
Hard money financing for Solana Beach commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Solana Beach buyers with qualifying income.
CalHFA programs can help Solana Beach first-time buyers. Check income limits for eligibility.
Solana Beach family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Solana Beach. Family member income helps qualification.
Check Solana Beach city programs for additional DPA. May stack with CalHFA for more help.
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
Solana Beach is a small coastal city in North San Diego County with just 12,946 residents and a median household income of $137,647. At $1.9M median home price, this isn't where most first-time buyers start their search. But here's the thing: if you're making $130K-$150K household income and you've got significant equity from a previous sale or a hefty down payment, you can actually make the numbers work with a jumbo loan. The 66.7% homeownership rate tells you that people who buy here tend to stay, and at these price points, that makes sense.
Solana Beach School District serves the area, and you've got three elementary options: Skyline, Solana Vista, and Solana Santa Fe. The district has a solid reputation, which matters when you're dropping close to $2M on a property. Strong schools protect your investment and make resale easier when the time comes. Families who buy here are banking on stability and that coastal lifestyle premium. For middle school and high school, kids typically move into the San Dieguito Union High School District, which includes some of the county's top-rated campuses. That continuity from elementary through high school is part of what justifies the price tag for buyers with kids.
Fletcher Cove runs around $1.9M and puts you steps from Fletcher Cove Beach Park with direct beach access. You're paying for location here, and most buyers use jumbo loans since you're well above conventional limits. The Cedros Design District area also hits that $1.9M mark, and while it's known for galleries and boutiques, the residential streets nearby offer walkability to coffee shops and restaurants. Del Mar Heights on the eastern inland side of Solana Beach still runs $1.9M, which shows you how tight the price range is across the whole city. Real talk: at these numbers, you need 20% down minimum to avoid PMI on a jumbo, so we're talking $380K cash to close plus reserves. Most buyers here are move-up purchasers or relocating professionals with substantial equity or savings.
You're 26 minutes to downtown San Diego and 28 minutes to La Jolla, which makes this a legitimate commute option if you work in biotech, healthcare, or finance down in the city. The Coaster commuter rail stops right in Solana Beach, so some buyers skip the drive entirely and take the train to work. That rail access is a selling point when you're justifying the premium over inland North County options. No major highways cut through town, which keeps it quiet but means you'll use the I-5 corridor for longer trips. The walkability and transit options mean some households can get by with one car, which helps offset the higher mortgage payment a bit.
The local job base is small since this is primarily a residential beach town. Solana Beach School District and the City of Solana Beach are the main public sector employers, but most residents commute out for work. The Cedros Design District supports local retail and hospitality jobs, but you're not moving here for employment opportunities. You're moving here because you work somewhere else and want to live at the beach. That $137K median household income reflects a lot of dual-income professional couples and folks who've built equity over time. The economy here is stable because it's tied to the broader San Diego market, not dependent on one industry or employer.
Common questions from Solana Beach 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 Solana Beach 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 Solana Beach: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Solana Beach buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Solana Beach 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 Solana Beach 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 Solana Beach families purchase with minimal upfront cash.
2026 San Diego County limits: FHA $1,006,250, Conventional $1,104,000. Any loan above $1,104,000 is a jumbo loan. Most Solana Beach properties fall within conforming limits, maximizing your financing options.
For Solana Beach'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 Solana Beach. 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 Solana Beach. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Diego County, and structure your purchase to minimize upfront costs.
You still have options in Solana Beach. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local San Diego County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Solana Beach 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 Solana Beach: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Solana Beach buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Solana Beach. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local San Diego County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Solana Beach 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 Solana Beach closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 San Diego County limits: FHA $1,006,250, Conventional $1,104,000. Any loan above $1,104,000 is a jumbo loan. Most Solana Beach properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Solana Beach 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 Solana Beach 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 Solana Beach families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Solana Beach. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Diego County, and structure your purchase to minimize upfront costs.
You still have options in Solana Beach. 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 Solana Beach'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 Solana Beach is $1,010,000 for 2025. However, with the median home price at $1.9M, most properties here exceed FHA limits, making conventional or jumbo loans more practical options. FHA loans work best for the rare condos or smaller homes priced under $1M in this premium coastal market.
Yes, you'll likely need a jumbo loan in Solana Beach since the median home price is $1.9M, well above the $1.1M conforming loan limit. Most properties in this premium coastal community fall into the $1.25M to $2M range, requiring jumbo financing. Only the lowest. priced condos or smaller homes might qualify for high. balance conforming loans.
For San Diego County in 2025, the conforming loan limit is $1,149,825, the FHA limit is $1,010,000, and the VA loan limit is $1,149,825. These limits apply to single. family homes and increase for multi. unit properties. Solana Beach's median price of $1.9M means most buyers here will exceed these limits and need jumbo financing.
Yes, eligible veterans can use VA loans in Solana Beach, with a loan limit of $1,149,825 for 2025. However, since most homes here are priced between $1.25M and $2M, you'd need a significant down payment to cover the difference or consider a VA jumbo loan. VA loans offer excellent benefits like no down payment and no PMI for properties within the limit.
Our No Money Down program offers $0 down payment for qualified buyers in Solana Beach. While the premium pricing here typically limits DPA eligibility, some dual. income professionals may qualify for CalHFA programs or San Diego County assistance on lower. priced condos or smaller homes. Most buyers in this market use conventional financing with standard down payments given the higher price points.
For Solana Beach's median home price of $1.9M, you'll typically need 10. 20% down, which means $190,000 to $380,000. Jumbo loans, which most buyers here require, often have stricter requirements with 15. 20% down being standard. Larger down payments also help you secure better interest rates and avoid jumbo loan PMI in this premium coastal market.
For Solana Beach's premium market, you'll want a credit score of at least 700 for competitive jumbo loan rates, though 740+ is ideal. While conventional loans start at 620 and FHA at 580, the $1.9M median price means most buyers need jumbo financing with stricter requirements. Lenders typically look for strong credit profiles given the higher loan amounts in this coastal community.
Choose a lender experienced with jumbo loans and Solana Beach's premium market, where homes typically range from $1.25M to $2M. Look for competitive rates on high. balance loans, responsive communication, and expertise navigating the complexities of luxury coastal real estate. The right lender will understand the unique challenges dual. income professionals face when financing in this price range and offer tailored solutions.
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