Mortgage broker serving Suisun City, 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 Suisun City buyers, we match your unique situation to the right program.
Suisun City 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 Suisun City 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 Suisun City home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Suisun City starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Suisun City 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 Suisun City 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 Suisun City 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 is the go-to for Suisun City buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Suisun City. VA loans are the best deal for eligible veterans.
Nearly all Suisun City homes qualify for conforming loans. Best rates available for qualified buyers.
Suisun City buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Suisun City buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Suisun City areas. Check rural designation by address.
Bridge loans available for Suisun City transitions. Finance new purchase before selling.
Entity purchase programs for Suisun City. LLC financing for investment properties.
Suisun City FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Suisun City refinances qualify as conforming. Competitive rates with quick approval.
Suisun City veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Suisun City homeowners with equity. Access funds for any purpose.
Suisun City owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Suisun City homeowners. Lump sum with fixed monthly payments.
Suisun City rental properties qualify with DSCR. No personal income verification needed.
Suisun City renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Suisun City commercial. Fast financing for competitive markets.
Apartment financing in Suisun City. Multifamily loans for 5+ unit investment properties.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Suisun City buyers with qualifying income.
Suisun City buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Suisun City. City programs plus CalHFA can cover most down payment.
Grant programs for Suisun City first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Suisun City areas. Check rural designation by address.
Gift of equity for Suisun City family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Suisun City buyers qualify. Add parent income to yours.
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
Suisun City sits in Solano County right on the edge of the Bay Area, about 47 minutes from [Oakland](/mortgage-loans-and-refinance-in-oakland-ca) and 57 from [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca). Population is 29,350, median household income $95,394. The homeownership rate is 62.1%, which tells you people are actually buying here, not just renting. At $540K median home price, you're looking at one of the last affordable entry points into the Bay Area market. A household pulling in $95K can actually qualify for a conventional loan on a real house here, while that same money in Oakland or San Francisco won't even get you started.
If you've got kids, the school ratings matter for both your daily life and your resale value down the line. Suisun Valley Elementary serves the younger grades, Crystal Middle handles the middle years, and Armijo High is where they finish up. The schools aren't pulling 9s and 10s, but they're stable and the district employs a lot of local families, which creates community continuity. When you're financing a home, you want to know your neighbors are invested too. That 62.1% homeownership rate means most people on your street have mortgages and property taxes, not month-to-month leases.
Here's the thing about Suisun City. It's not carved up into a dozen distinct subdivisions like some sprawling suburbs. The main residential areas blend together, with the Downtown/Waterfront District being the real draw at around $540K median. That's where you get the historic character, the marina access, and the revitalized commercial strip that actually has some life to it. Most buyers here use conventional financing with 5-10% down if they're coming from the rental market, or they're selling something smaller in a pricier Bay Area city and moving here with equity. The waterfront location adds value, but it also means flood insurance might factor into your monthly payment depending on the exact property. Your lender will flag that during underwriting, so don't skip the insurance conversation.
The commute numbers are what make Suisun City work financially. You're 47 minutes to Oakland, 57 to San Francisco, 81 to San Jose. That's real time in the car or on transit, but it's the trade you make for a $540K home instead of $1.2M in Oakland or $1.5M in SF. If both spouses work and one commutes while the other works locally, the math starts making sense. Local transit exists but most people drive. The truth is, your commute tolerance directly affects how much house you can afford. Every 15 minutes farther out typically saves you $100K-150K on purchase price, which translates to $500-750 less per month on your mortgage payment.
The Fairfield-Suisun Unified School District is the biggest employer, which gives the area steady public sector paychecks and benefits. City of Suisun City and Solano County government add more public jobs with reliable income, the kind lenders love to see on mortgage applications. The local job market won't blow you away, but it's stable. Most buyers here either work locally in education or government, or they commute to better-paying jobs in Oakland, San Francisco, or the East Bay and use that higher income to qualify for financing. If you're pulling $120K-150K working in tech or finance in the city, you can actually buy a house here. Try doing that in San Francisco proper.
Common questions from Suisun City 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 Suisun City 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 Suisun City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Suisun City buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Suisun City 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 Suisun City 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 Suisun City families purchase with minimal upfront cash.
2026 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Suisun City properties fall within conforming limits, maximizing your financing options.
For Suisun City'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 Suisun City. 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 Suisun City. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Suisun City. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Suisun City 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 Suisun City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Suisun City buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Suisun City. 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 Solano County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Suisun City 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 Suisun City 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 Solano County limits: FHA $724,500, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Suisun City properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Suisun City 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 Suisun City 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 Suisun City families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Suisun City. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Solano County, and structure your purchase to minimize upfront costs.
You still have options in Suisun City. 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 Suisun City'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 Suisun City is $725,000 for 2025. This limit covers the vast majority of homes in Suisun City, where the median home price is around $540,000, making FHA loans an excellent option for first. time buyers and those with smaller down payments.
You won't need a jumbo loan for most homes in Suisun City. With conforming and VA loan limits at $833,000 and FHA at $725,000, these conventional loan programs cover nearly all properties in this affordable market where typical homes range from $450,000 to $600,000.
For 2025, Solano County's loan limits are $833,000 for conforming and VA loans, and $725,000 for FHA loans. These limits are typically announced in November for the following year, and they're designed to reflect local housing costs while keeping financing accessible for buyers in affordable markets like Suisun City.
Yes, VA loans work exceptionally well in Suisun City with a loan limit of $833,000 and no down payment required for eligible veterans. The $540,000 median home price falls well within VA limits, and you'll benefit from no PMI and competitive interest rates, making this an excellent option for military buyers.
Our No Money Down program offers $0 down payment for qualified buyers in Suisun City. You can also access CalHFA programs that provide up to 3.5% assistance, and Solano County often has local DPA programs that can be stacked together. With the median income at $95,394 and strong DPA eligibility in this market, many first. time buyers qualify for substantial assistance.
You can buy a Suisun City home with as little as 0% down through VA loans or our No Money Down program, 3.5% down with FHA (about $18,900 on a $540,000 home), or 3% down with Conventional 97 loans. Many first. time buyers in this affordable market combine low down payment loans with assistance programs to minimize upfront costs.
You can qualify for an FHA loan in Suisun City with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require 620 or higher, while VA loans are often approved with scores around 580. 600. Given that Suisun City attracts many credit rebuilders and first. time buyers, lenders here regularly work with scores in the 580. 680 range.
Look for a lender experienced with Suisun City's affordable market who understands FHA, VA, and down payment assistance programs that work well at the $450,000. $600,000 price point. You'll want someone who can help first. time buyers navigate DPA stacking options and who offers competitive rates on the loan types most popular in Solano County. Get quotes from at least three lenders and compare not just rates but their knowledge of local assistance programs.
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