Mortgage broker serving Tiburon, 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 Tiburon buyers, we match your unique situation to the right program.
Tiburon's luxury market requires specialized jumbo financing expertise for properties well above the $1.25M 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 Tiburon 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 Tiburon home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Tiburon starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Tiburon 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 Tiburon 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 Tiburon homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Luxury properties above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| 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 Tiburon home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
With Tiburon's $2.8M median, most buyers need jumbo loans above $1.25M. Rates now competitive with conforming.
Business owners in Tiburon qualify on bank deposits. Write-offs hurt tax returns but deposits tell the real story.
Wealthy Tiburon buyers use portfolio value instead of employment. Asset depletion works for retirees and investors.
Some Tiburon condos and smaller homes under $1.25M get conforming rates. Most properties need jumbo.
Tiburon veterans get zero down with no loan limit. Best benefit for luxury purchases.
Tiburon buyers use bridge loans to avoid contingent offers. Buy first, sell later.
LLC purchases for Tiburon investment properties. Buy in entity name for liability protection.
Pull equity from your Tiburon home. Cash-out refinance for investments, renovations, or debt payoff.
Conforming refi for Tiburon properties under the limit. Most will need jumbo refinancing.
Tiburon owners tap equity with HELOC. Draw funds as needed, pay interest only on balance.
Fixed home equity loans in Tiburon. Lump sum with predictable payments.
Tiburon veterans use VA IRRRL to lower rates. Streamlined process with minimal documentation.
No seasoning cash-out for Tiburon properties. Access equity right after closing.
DSCR loans for Tiburon investors. Qualify based on property cash flow, not personal income.
Fix-and-flip loans for Tiburon investors. Finance purchase plus renovation costs.
Tiburon apartment investors use multifamily loans. Commercial financing for 5+ units.
Tiburon commercial investors use hard money. Quick closing for time-sensitive deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Tiburon buyers with qualifying income.
CalHFA down payment help available for Tiburon first-time buyers. Income limits may restrict use.
Gift of equity for Tiburon family sales. Equity counts as down payment in related transactions.
Tiburon buyers can add parent as co-borrower. Combined income qualifies for higher amount.
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
Tiburon sits on a peninsula in Marin County with 9,146 residents and a median household income of $78,538. The homeownership rate is 65%, but here's the reality: at $2.8M median home price, this is one of the most expensive markets in California. You're looking at waterfront living with ferry access to San Francisco, top-rated schools, and the kind of property values that require jumbo loans and substantial down payments. Most conventional loans cap at $766,550, so if you're buying here, you'll need at least 20% down on a jumbo to avoid PMI, which means $560K+ in cash for a median-priced home.
The schools here are exceptional and they directly impact your property values. Del Mar Middle pulls a 9 rating, Reed Elementary an 8, Redwood High a 9. These aren't just numbers. They're why families pay a premium to buy in Tiburon and why resale values stay strong even when the broader market softens. When you're putting down half a million dollars or more, you want to know your investment is protected by stable demand. The school quality keeps that demand steady. Parents will stretch their budgets and take on larger mortgages to get into these districts, which means your home value has built-in support from buyer competition.
Where you buy in Tiburon determines whether you need a $1M jumbo or a $3M+ jumbo, and the loan structure changes accordingly. Strawberry is the entry point at $1.2M-$2.5M, with tree-lined streets and family-oriented homes that attract buyers using standard jumbo loans with 20-25% down. Downtown Tiburon runs $1.5M-$4M, mixing condos and single-family homes near the ferry terminal, popular with commuters who want walkability and water views. Paradise Cay is $2M-$6M, a gated island community where buyers typically put down 30-40% on waterfront properties with private docks. Belvedere Lagoon is $3M-$8M, the top tier where all-cash deals are common and financed purchases require substantial assets beyond the down payment to satisfy jumbo underwriting.
The ferry to San Francisco takes 30 minutes from Tiburon Terminal, and that's the lifestyle selling point that justifies the price premium. By car it's 39 minutes to SF or Oakland, 70 to Palo Alto, 87 to San Jose. Tiburon Boulevard connects you to Highway 101. Real talk: most buyers here either work in tech with flexibility, commute to SF financial district via ferry, or have accumulated enough wealth that the commute matters less than the waterfront location. The ferry access is what separates Tiburon from other Marin towns and keeps demand high among SF workers who can afford the mortgage but want to escape the city.
The major employers in Marin are Marin General Hospital, BioMarin Pharmaceutical, Autodesk, Buck Institute for Research on Aging, and San Rafael City Schools. But here's the thing: most Tiburon buyers don't work locally. They're tech executives, finance professionals, doctors, and entrepreneurs who've built wealth elsewhere and want waterfront living with easy access to SF. The local economy supports the lifestyle but isn't the income driver for most homebuyers. When lenders underwrite your jumbo loan, they'll want to see stable high income, substantial reserves, and often investment portfolios beyond your down payment. The typical buyer here has a household income well above that $78K median, usually $300K+ to qualify comfortably for these mortgage payments.
Common questions from Tiburon 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 Tiburon 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 Tiburon: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Tiburon buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Tiburon 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 Tiburon 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 Tiburon families purchase with minimal upfront cash.
2026 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Tiburon properties fall within conforming limits, maximizing your financing options.
For Tiburon'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 Tiburon. 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 Tiburon. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Marin County, and structure your purchase to minimize upfront costs.
You still have options in Tiburon. 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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Tiburon 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 Tiburon: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Tiburon buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Tiburon. 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 Marin County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Tiburon 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 Tiburon 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 Marin County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Tiburon properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Tiburon 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 Tiburon 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 Tiburon families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Tiburon. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Marin County, and structure your purchase to minimize upfront costs.
You still have options in Tiburon. 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 Tiburon'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 2026 FHA loan limit for Tiburon (Marin County) is $1.25M for a single-family home. This is a high-cost area limit. Properties above this amount require jumbo financing. FHA loans allow down payments as low as 3.5% for qualified borrowers.
It depends on the property. Tiburon's median home price is $2.8M, while the conforming loan limit is $1.25M. Properties above the limit require jumbo financing, while those under it can use conventional, FHA, or VA loans.
The 2026 Marin County loan limits are: FHA: $1.25M, VA: $1.25M, Conventional: $1.25M. Any loan amount above $1.25M is considered a jumbo loan.
Yes! Veterans and active military can use VA loans in Tiburon with $0 down payment. The 2026 VA loan limit for Marin County is $1.25M. For properties above this amount, you can still use a VA loan but will need a down payment on the amount exceeding the limit.
We provide same-day pre-approvals for most loan programs. Full loan approval and closing typically takes 21-30 days for conventional and jumbo loans, and 30-45 days for FHA and VA loans.
Down payment requirements vary by loan type: Conventional: 5-20%, FHA: 3.5%, VA: $0 for eligible veterans, Jumbo: typically 10-20%. For Tiburon's median price of $2.8M, most buyers put down 15-20%.
Minimum credit scores vary by loan type: FHA: 580, Conventional: 620, VA: typically 620, Jumbo: 680-700+. Higher credit scores qualify for better interest rates.
Look for a lender with California experience, strong communication, competitive rates, and the ability to close on time. We've been serving California homebuyers for 40+ years with senior loan officers who specialize in complex scenarios.
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