Mortgage broker serving Truckee, 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 Truckee buyers, we match your unique situation to the right program.
Truckee's market straddles the $833K limit, requiring strategic loan structuring.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Truckee 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 Truckee home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Truckee starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Truckee 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 Truckee 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 Truckee homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $832,750 |
| 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 $832,750 |
| 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 Truckee home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Truckee homes qualify for conforming loans under $833K. Best rates with 3-20% down.
Veterans buy in Truckee with nothing down. VA loans up to $833K with no mortgage insurance.
FHA loans popular for Truckee first-timers. 3.5% down, 580 credit minimum.
Higher-end Truckee properties may exceed $833K. Jumbo financing available when needed.
Bank statement loans work for Truckee's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Truckee buyers.
Bridge loans help Truckee buyers compete. Make non-contingent offers while selling current home.
Truckee investment properties in LLC. Entity financing available for investors.
Most Truckee mortgages qualify for conforming refinance. Lower your rate under the limit.
Truckee homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Truckee refinance with VA IRRRL. No appraisal, no income verification.
Truckee HELOC options for home equity access. Credit line with variable rate draw period.
Truckee FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Truckee. Fixed payments unlike variable HELOC.
Truckee rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Truckee use fix-and-flip financing. Purchase plus rehab in one loan.
Truckee apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Truckee. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Truckee buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Truckee buyers.
Local Truckee DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Truckee buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Truckee family purchases. Parents selling to children at discount.
Truckee buyers use non-occupant co-borrowers. Parents help children qualify for homes.
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
Truckee sits at 6,000 feet in the Sierra Nevada, about 30 miles west of Reno and 185 miles from [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca). Population is 16,784, median household income $107,423. The homeownership rate here is 77.5%, which tells you most people who buy here are committed to the mountain lifestyle long-term. At $1,138,250 median home price, this is not an entry-level market. You're looking at jumbo loans for most purchases, and lenders want to see strong income, solid reserves, and usually 20% down or more to feel comfortable at this price point in a resort town.
If you're buying here with kids, you're part of a small but committed year-round community. Truckee High, Donner Trail Elementary, Coldstream Elementary, and Alder Creek Middle all serve families who've chosen mountain living over suburban convenience. The schools aren't rated on the same scale as urban districts, but the community investment is real. When you're financing a $1.1M+ home, resale matters, and the school district's stability helps protect your investment. Families who buy here tend to stay, which is why that 77.5% ownership rate is so high compared to typical resort towns where vacation rentals dominate.
Where you buy in Truckee affects your loan structure and what lenders will approve. Downtown Truckee runs around $1.1M for historic properties near Commercial Row and Donner Pass Road. You're dealing with older construction, sometimes quirky layouts, and jumbo financing that requires strong appraisals. Glenshire sits east of downtown at similar prices, more family-oriented with easier year-round access, which can make financing smoother since it's less vacation-rental heavy. Donner Lake area also hits $1.1M, but here's the catch: if you're buying a property that's been used as a short-term rental or second home, your lender's going to scrutinize the deal harder. Many buyers here need jumbo loans with 25-30% down, especially if the property has rental history or seasonal access issues. The tight price clustering across neighborhoods means you're choosing lifestyle over price point.
The commute to San Francisco takes about 185 minutes, which means you're not doing that daily. Truckee works if you're remote, semi-retired, or running a business that serves the Tahoe basin. I-80 runs right through town, which is great for weekend access but also means winter driving conditions affect your daily life and property insurance costs. Local transit exists but you'll need a reliable vehicle, preferably with four-wheel drive. The isolation is part of the appeal, but it's also why lenders treat Truckee differently than suburban markets. They know your employment options are limited and weather can impact property access and maintenance costs.
Tahoe Forest Health System and Tahoe Truckee Unified School District provide stable year-round employment, which matters when you're carrying a million-dollar mortgage. Northstar California Resort and Town of Truckee add to the job base, but the economy here runs on tourism and seasonal work. Most buyers financing at this level work remotely, own businesses, or have significant outside income. Lenders want to see that you're not dependent on the local job market alone. The truth is, you need a household income well above that $107K median to comfortably afford the median home price here. Expect lenders to verify your income stability carefully and look for 6-12 months of reserves when you're buying in a resort market like this.
Common questions from Truckee 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 Truckee 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 Truckee: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Truckee buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Truckee 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 Truckee 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 Truckee families purchase with minimal upfront cash.
2026 Nevada County limits: FHA $649,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Truckee properties fall within conforming limits, maximizing your financing options.
For Truckee'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 Truckee. 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 Truckee. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Nevada County, and structure your purchase to minimize upfront costs.
You still have options in Truckee. 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 Nevada County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Truckee 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 Truckee: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Truckee buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Truckee. 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 Nevada County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Truckee 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 Truckee 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 Nevada County limits: FHA $649,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Truckee properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Truckee 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 Truckee 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 Truckee families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Truckee. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Nevada County, and structure your purchase to minimize upfront costs.
You still have options in Truckee. 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 Truckee'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 Truckee is $650,000 for 2025. Since Truckee's median home price is around $1.1M, most properties here exceed FHA limits, making conventional or jumbo loans more common options for buyers in this mountain market.
You'll need a jumbo loan if you're buying above $833,000 in Truckee. With most homes priced between $900K and $1.25M, many buyers here do require jumbo financing, though some properties at the lower end can still fit under the conforming limit.
For 2025, Nevada County's conforming loan limit is $833,000, with FHA at $650,000 and VA at $833,000. The 2026 limits typically get announced in November 2025, and they often increase slightly based on home price trends.
Yes, you can use a VA loan in Truckee with a limit of $833,000 with no down payment required. For homes above that amount, which is common here, you'd need to make a 25% down payment on the amount exceeding the limit or consider other financing options.
Our No Money Down program offers $0 down payment for qualified buyers in Truckee. CalHFA also provides down payment assistance programs that can help with 3.5% to 5% of your purchase price, though income limits may apply given the area's higher home prices.
For a typical $1.1M home in Truckee, you'll need at least 10% down ($110,000) for a jumbo loan, though 20% ($220,000) gets you better rates and avoids mortgage insurance. Conventional loans under $833,000 can go as low as 3% down for qualified buyers.
You'll typically need a minimum credit score of 620 for conventional loans in Truckee, but jumbo loans (common here) usually require 680 or higher. A score of 740+ will get you the best rates, which matters significantly on loan amounts over $900K.
Look for a lender experienced with Truckee's unique market and jumbo financing, since most properties here exceed conforming limits. You'll want someone who can explain your options clearly, offer competitive rates on larger loan amounts, and understand the local real estate dynamics of this mountain community.
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