Mortgage broker serving Twentynine Palms, 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 Twentynine Palms buyers, we match your unique situation to the right program.
Twentynine Palms provides affordable options for buyers who leverage the right loan programs.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Twentynine Palms 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 Twentynine Palms home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Twentynine Palms starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Twentynine Palms 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 Twentynine Palms 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 Twentynine Palms 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 |
| FHA | 3.5% minimum | 580+ | First-time buyers, lower credit. Limit: $832,750 |
| VA | $0 | No minimum | Veterans, active military - best 0% down option |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time Twentynine Palms buyers, income-qualified |
| Conventional | 3% | 620+ | Good credit, faster closing than FHA |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates Twentynine Palms purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Twentynine Palms. State programs reduce out-of-pocket costs significantly.
Veterans buy Twentynine Palms homes with $0 down. Full VA benefits cover all properties here.
Many Twentynine Palms properties qualify for USDA zero-down loans. Rural designation required.
All Twentynine Palms properties qualify for conforming loans. 3% down minimum for first-time buyers.
Twentynine Palms local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Twentynine Palms homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Twentynine Palms. Investors can purchase in entity names.
FHA streamline dominates Twentynine Palms refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Twentynine Palms veterans. No paperwork hassles, quick closing.
Many Twentynine Palms homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Twentynine Palms refinance qualifies for conforming rates. Best terms for rate reduction.
Twentynine Palms owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Twentynine Palms. Predictable payments for major expenses.
DSCR financing for Twentynine Palms investors. Buy rentals based on property income potential.
Fix-and-flip financing for Twentynine Palms investors. Buy distressed properties, renovate, sell.
Commercial hard money in Twentynine Palms. Quick funding when timing is critical.
Multifamily loans available for Twentynine Palms apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Twentynine Palms buyers with qualifying income.
CalHFA is a strong option for Twentynine Palms. State programs reduce out-of-pocket costs significantly.
Twentynine Palms local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Twentynine Palms down payment help. Free money for qualified buyers.
Many Twentynine Palms properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Twentynine Palms benefit from gift of equity. No cash down payment needed.
Twentynine Palms first-time buyers often use co-borrowers. Family help for 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
Twentynine Palms sits in the Mojave Desert about 145 miles east of LA, right at the northern entrance to Joshua Tree National Park. Population is 28,006, median household income $51,392. The homeownership rate here is 33.9%, which is low even for California, and there's a clear reason why. The Marine Corps Air Ground Combat Center dominates the local economy, which means you've got a lot of military families on temporary duty cycles who rent instead of buy. At $320K median home price, this is one of the most affordable spots in Southern California if you can handle the desert isolation and want to lock in a payment under $2,000 with a VA or conventional loan.
The school situation here is straightforward but not stellar. Twentynine Palms High, Twentynine Palms Junior High, and Condor Elementary serve most families buying in the area. Ratings aren't published for these schools in the same way you'd see in more populated areas, but the district serves a transient military population which affects continuity. If you're buying here, you're likely connected to the base or looking for desert affordability rather than chasing top-tier school scores. The low homeownership rate means many of your neighbors will be renters on short-term leases, which can affect neighborhood stability when you're thinking about long-term property value. But for military families using VA loans with zero down, this is one of the few California markets where that strategy actually pencils out.
Downtown Twentynine Palms along Adobe Road and Two Mile Road is really the main residential and commercial hub, running around $320K median. You'll find a mix of older ranch-style homes, some manufactured housing, and newer desert contemporary builds scattered throughout. FHA and VA loans are extremely common here because of the military presence and the lower price point. Conventional loans work fine if you've got the down payment, but the reality is most buyers are either first-timers stretching to afford California or military families leveraging their VA benefits. The market doesn't really segment into distinct luxury versus entry-level neighborhoods the way larger cities do. What you're buying is proximity to the base, access to Joshua Tree, and a mortgage payment that won't crush you.
The commute to LA is about 145 minutes each way, and to San Francisco you're looking at eight hours. Real talk, nobody's doing that drive daily. If you're buying here, you either work on the base, in the local service economy, for the school district, or you're remote. There's no major highway running through town, just state routes that connect you to the wider desert region. Local transit exists but this is a car-dependent community. The isolation is the whole reason Twentynine Palms stays affordable while Riverside County cities have exploded in price. You're trading convenience and job access for a mortgage you can actually qualify for on a $50K household income.
The Marine Corps Air Ground Combat Center is the economic engine here, employing thousands of active duty personnel and civilian contractors. Morongo Unified School District provides steady public sector jobs with decent benefits. Hi-Desert Medical Center adds healthcare employment, and the National Park Service hires locally for Joshua Tree operations. The job market is narrow but stable. If you're not connected to the base or one of these anchor employers, your options thin out quickly to retail and hospitality serving tourists heading to the park. Most buyers here are either military families who know they'll rotate out in a few years or locals who've accepted the trade-off of limited job growth for desert living and low housing costs.
Common questions from Twentynine Palms 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 Twentynine Palms 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 Twentynine Palms: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Twentynine Palms buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Twentynine Palms 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 Twentynine Palms 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 Twentynine Palms families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Twentynine Palms properties fall within conforming limits, maximizing your financing options.
For Twentynine Palms'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 Twentynine Palms. 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 Twentynine Palms. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Twentynine Palms. 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 Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Twentynine Palms 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 Twentynine Palms: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Twentynine Palms buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Twentynine Palms. 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 Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Twentynine Palms 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 Twentynine Palms 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 Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Twentynine Palms properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Twentynine Palms 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 Twentynine Palms 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 Twentynine Palms families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Twentynine Palms. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Twentynine Palms. 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 Twentynine Palms'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 Twentynine Palms is $690,000 for 2026, which is well above the typical home prices in the area. Since most homes here range from $300K to $450K, you'll have plenty of room to use an FHA loan for your purchase. This makes FHA an excellent option for first. time buyers in Twentynine Palms who want low down payment options.
No, you won't need a jumbo loan in Twentynine Palms. With a median home price around $320,000 and most homes priced between $300K and $450K, you'll stay well below the conforming loan limit of $833,000. Standard FHA, VA, and conventional loans will cover your purchase with better rates and terms than jumbo products.
For 2026 in San Bernardino County, the conforming loan limit is $833,000, the FHA limit is $690,000, and the VA loan limit is $833,000. These limits apply to Twentynine Palms and give you plenty of financing options since local home prices typically range from $300K to $450K. You'll easily qualify for standard loan programs without needing specialty financing.
Yes, VA loans are available in Twentynine Palms with a loan limit of $833,000, which covers all homes in the area. Given the proximity to Marine Corps Air Ground Combat Center, many service members and veterans buy here using VA loans with $0 down and no PMI. This is often the best option if you're eligible, especially with the area's affordable $300K to $450K price range.
Our No Money Down program offers $0 down payment for qualified buyers in Twentynine Palms. CalHFA programs are also game. changers here, offering down payment and closing cost assistance that can cover 3.5% to 5% of your purchase price. San Bernardino County may have additional local programs, and some areas of Twentynine Palms might qualify for USDA loans with zero down, making homeownership accessible even with limited savings.
You can buy a home in Twentynine Palms with as little as 3.5% down using an FHA loan, which means around $11,000 to $16,000 on most homes here. If you're a veteran, VA loans offer $0 down, and down payment assistance programs like CalHFA can cover most or all of your down payment needs. With the median home price at $320,000, these low down payment options make homeownership achievable for first. time buyers.
You can qualify for an FHA loan in Twentynine Palms with a credit score as low as 580 for 3.5% down, or even 500 with 10% down. Conventional loans typically require a 620 minimum, while VA loans are more flexible with credit requirements. Given that most buyers here are first. time purchasers, FHA's lower credit standards make it the most popular choice in the Twentynine Palms market.
Choose a lender experienced with first. time buyers and down payment assistance programs, which are crucial in Twentynine Palms's entry. level market. Look for someone who knows CalHFA, FHA, and local San Bernardino County programs inside and out, since these can make or break your ability to buy with limited savings. A good lender will help you navigate the options and find creative solutions to get you into a home, even on the area's median income of around $51,000.
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