Mortgage broker serving Stanton, 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 Stanton buyers, we match your unique situation to the right program.
Stanton 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 Stanton 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 Stanton home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Stanton starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Stanton 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 Stanton 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 Stanton 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 Stanton buyers. Most homes under $1.25M with competitive rates.
Strong FHA option in Stanton. Low down payment gets you into most properties here.
$0 down for Stanton veterans. VA loans cover all properties with no PMI required.
Stanton business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Stanton. State assistance helps with down payment and closing costs.
Premium Stanton homes over $1.25M require jumbo loans. Less common but available for luxury properties.
Stanton sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Stanton investors. Buy rentals in entity names.
Conforming refinance for Stanton homeowners. Best rates for loans under $1.25M.
FHA streamline refinance for Stanton. Easiest way to lower your existing FHA rate.
VA streamline refi for Stanton veterans. Fastest way to reduce your mortgage payment.
Turn Stanton home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Stanton homeowners. Access equity without replacing first mortgage.
Stanton owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Stanton investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Stanton projects. Short-term financing for value-add investments.
Multifamily options for Stanton investors. Finance apartment buildings with commercial loans.
Stanton 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 Stanton buyers with qualifying income.
CalHFA programs popular in Stanton. State assistance helps with down payment and closing costs.
Stanton has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Stanton buyers. Down payment assistance with no repayment.
Stanton family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Stanton 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
Stanton is a small city in Orange County, just 6.7 square miles tucked between Anaheim, Garden Grove, and Cypress. Population is 38,271, median household income $76,123. At $770K median home price, you're paying for the Orange County zip code, plain and simple. The homeownership rate sits at 49.3%, which is low even for California, telling you this is more of a rental market where investors compete with first-time buyers trying to get into OC.
The school situation here is straightforward but limited given the city's small size. Stanton Elementary and Stanton Middle serve the community, along with Robert L. Stevens Elementary. These aren't the high-scoring schools you'll find in Irvine or Tustin, which is part of why Stanton stays relatively more affordable compared to neighboring OC cities. If schools are your top priority, you'll probably look elsewhere in Orange County. But if you're willing to trade top-rated districts for a lower entry price into OC, Stanton gets you the location without the premium you'd pay in Fullerton or Brea. Families who buy here often supplement with private schools or are banking on the Orange County address for long-term appreciation.
Here's the thing about Stanton. It's so small that there aren't really distinct neighborhoods like you'd find in bigger cities. Central Stanton runs around $770K for what you'll get, mostly older single-family homes and some multi-family properties. The housing stock is primarily from the 1960s and 70s, so you're looking at homes that need updates or have already been renovated. FHA loans work fine here if you're a first-time buyer, but you'll be competing with investors paying cash or using conventional financing for rental properties. That low homeownership rate means nearly half the city rents, so resale value depends more on investor demand than family buyers. If you're stretching to buy here, make sure you're comfortable with the neighborhood long-term, because appreciation isn't guaranteed just because it's Orange County.
The commute situation is actually Stanton's biggest selling point. You're 41 minutes to downtown LA, 48 to Santa Monica, 28 to Irvine, and 30 to Long Beach. Beach Boulevard runs right through town connecting you north and south, and you're minutes from the 5, 22, and 91 freeways even though none run directly through Stanton itself. If you work anywhere in Orange County or commute to LA, Stanton puts you in the middle of everything without the price tag of Anaheim Hills or Costa Mesa. That central location is why investors like it and why you might tolerate an older home or smaller lot. The time you save on your daily commute translates to a mortgage payment that's $200K-$300K less than comparable OC cities.
The local job market is pretty basic. City of Stanton provides some municipal jobs, Beach Boulevard has retail and service businesses, and there are healthcare facilities in the area. But real talk, most people who live in Stanton work somewhere else in Orange County or LA County. The city's economy is more about location than local employment. What matters for your mortgage decision is that Orange County's broader job market is strong, with major employers throughout the county in healthcare, tech, tourism, and professional services. You're buying into that regional economy, not Stanton's small local base. The stability comes from OC as a whole, which has historically supported property values even in smaller cities like this.
Common questions from Stanton 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 Stanton 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 Stanton: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Stanton buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Stanton 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 Stanton 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 Stanton families purchase with minimal upfront cash.
2026 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Stanton properties fall within conforming limits, maximizing your financing options.
For Stanton'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 Stanton. 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 Stanton. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Stanton. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Stanton 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 Stanton: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Stanton buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Stanton. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Stanton 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 Stanton 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 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Stanton properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Stanton 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 Stanton 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 Stanton families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Stanton. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Stanton. 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 Stanton'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 Stanton is $1,250,000 for 2025, which covers most homes in the area since the median price is around $770K. This higher limit means you can use FHA financing with just 3.5% down on homes well above the typical price range. FHA loans are popular in Stanton for both first. time buyers and those looking to minimize their down payment.
Most buyers in Stanton won't need a jumbo loan since the conforming loan limit is $1,250,000 and the median home price is $770K. You'll only need jumbo financing if you're purchasing a home above $1.25 million, which represents the higher end of the local market. The majority of Stanton homes fall comfortably within conventional, FHA, and VA loan limits.
For 2026, Orange County loan limits are $1,250,000 for conforming, FHA, and VA loans. These limits apply throughout Stanton and the rest of Orange County, giving you strong purchasing power in the $600K to $900K range that's typical here. These limits are reviewed annually and may adjust based on home price trends.
Yes, VA loans are very competitive in Stanton 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 $770K, most properties are well within VA loan limits. VA loans offer excellent terms including no PMI, making them one of the best options for qualified military buyers in the area.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Stanton's $770K median market. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus Orange County specific programs designed for first. time and moderate. income buyers. With the area's 49.3% homeownership rate and $76K median income, these programs help bridge the gap to homeownership.
Down payments in Stanton vary by loan type: FHA requires just 3.5% (about $27K on a $770K home), conventional loans typically need 3. 5% for first. time buyers, and VA loans offer $0 down for eligible veterans. With median home prices around $770K, you'll want to budget $23K to $39K for conventional or FHA options, though down payment assistance can significantly reduce this amount.
Most lenders in Stanton require a minimum credit score of 580 for FHA loans with 3.5% down, while conventional loans typically need 620 or higher for the best terms. If you're aiming for homes near the $770K median price, a score of 640+ will give you access to more competitive rates and loan options. VA loans can be more flexible with credit requirements for qualified military buyers.
Choose a lender experienced with Stanton's balanced market who can explain your options across FHA, conventional, and VA loans in the $600K. $900K range. Look for competitive rates, clear communication, and expertise with down payment assistance programs that fit your situation. A local lender familiar with Orange County will understand the market dynamics and can close efficiently in this competitive area.
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