Mortgage broker serving Upland, 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 Upland buyers, we match your unique situation to the right program.
Upland's market hovers near the $833K limit, making loan structuring critical for best rates.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Upland 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 Upland home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Upland starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Upland 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 Upland 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 Upland 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: $832,750 |
| 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 $832,750 |
| 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 Upland buyers. Most homes under $833K with competitive rates.
Strong FHA option in Upland. Low down payment gets you into most properties here.
$0 down for Upland veterans. VA loans cover all properties with no PMI required.
Upland business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Upland. State assistance helps with down payment and closing costs.
Premium Upland homes over $833K require jumbo loans. Less common but available for luxury properties.
Upland sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Upland investors. Buy rentals in entity names.
Conforming refinance for Upland homeowners. Best rates for loans under $833K.
FHA streamline refinance for Upland. Easiest way to lower your existing FHA rate.
VA streamline refi for Upland veterans. Fastest way to reduce your mortgage payment.
Turn Upland home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Upland homeowners. Access equity without replacing first mortgage.
Upland owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Upland investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Upland projects. Short-term financing for value-add investments.
Multifamily options for Upland investors. Finance apartment buildings with commercial loans.
Upland 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 Upland buyers with qualifying income.
CalHFA programs popular in Upland. State assistance helps with down payment and closing costs.
Upland has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Upland buyers. Down payment assistance with no repayment.
Upland family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Upland 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
Upland sits at the base of the San Gabriel Mountains in San Bernardino County, about 37 miles east of downtown LA. Population is 78,847, median household income $93,994. The homeownership rate here is 55.4%, which is actually lower than you'd expect for a city this established, and that tells you something about the price point. At $814,500 median, you're looking at a market where you'll need solid income and credit to qualify. This isn't entry-level Inland Empire anymore. It's where people move when they've built equity elsewhere and want foothill views without paying Claremont or Rancho Cucamonga premiums.
If you're buying with kids in mind, Upland's school ratings matter for both your family's experience and your resale value down the line. Upland High School serves most of the city, Pioneer Junior High feeds into it, and Pepper Tree Elementary anchors several neighborhoods. Upland Christian Academy offers a private option for families wanting that route. The district has been stable over the years, which matters when you're putting down roots and taking on a 30-year mortgage. Families who buy here tend to stay through the school years, and that stability shows up in property values that've held steady even when other Inland Empire markets got choppy.
Where you buy in Upland affects your mortgage strategy more than you'd think. San Antonio Heights in the northern foothills runs around $815K and up, with hillside homes on larger lots and mountain access practically in your backyard. You're looking at conventional loans with 20% down in most cases, sometimes jumbo depending on the specific property. Downtown Upland along Euclid Avenue and Second Avenue also hits that $815K median, but you're getting historic charm and walkability instead of elevation. The housing stock is older here, which means some properties might need renovation loans or extra inspection scrutiny. Both areas attract buyers who've already owned before and are trading up with equity from a previous sale. First-time buyers can find their way in, but you'll need that $94K household income or close to it to make the numbers work without being house-poor.
The commute to LA runs about 42 minutes on a good day, which is manageable compared to deeper Inland Empire locations. You're close enough to access LA and Orange County jobs without the brutal two-hour each-way grind. Local transit is available, but real talk, most people here drive. The proximity to the 10 and 210 freeways means you can reach employment centers across the region without being totally tied to one corridor. That commute flexibility is part of what keeps Upland's prices higher than Apple Valley or Hesperia. You're paying for access, and lenders know it. Your debt-to-income ratio needs to account for not just the mortgage but also the gas and car costs that come with Inland Empire living.
Upland Unified School District is the largest employer, followed by San Antonio Regional Hospital and Kaiser Permanente on the healthcare side. The City of Upland itself provides steady public sector jobs. The employment base here is more diverse than deeper desert communities, with healthcare, education, and local government anchoring things. But here's the thing: most buyers in this price range aren't working exclusively in Upland. They're commuting to Ontario, Rancho Cucamonga, or even LA and Orange County, using Upland as a base with better weather and mountain views. When you're applying for a mortgage at this price point, lenders want to see stable employment wherever it is, and the mix of local healthcare jobs plus regional commuters gives the market a solid foundation.
Common questions from Upland 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 Upland 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 Upland: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Upland buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Upland 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 Upland 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 Upland 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 Upland properties fall within conforming limits, maximizing your financing options.
For Upland'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 Upland. 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 Upland. 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 Upland. 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 Upland 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 Upland: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Upland buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Upland. 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 Upland 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 Upland 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 Upland properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Upland 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 Upland 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 Upland families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Upland. 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 Upland. 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 Upland'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 Upland is $690,000 for 2026. This covers a significant portion of homes in the area, as the median home price is around $815,000. If you're looking at homes above this limit, you'll need to consider conventional or jumbo financing options.
You won't need a jumbo loan for most homes in Upland since the conforming loan limit is $833,000 and the median price is $815,000. However, if you're purchasing a home above $833,000, you'll need jumbo financing. Many buyers in this market can take advantage of competitive conforming loan rates.
For 2026, San Bernardino County loan limits are $833,000 for conforming and VA loans, and $690,000 for FHA loans. These limits apply to single. family homes in Upland and throughout the county. These higher limits reflect the area's middle. tier housing market.
Yes, VA loans are very competitive in Upland with a loan limit of $833,000, which covers the majority of homes in the area. With $0 down payment required and no PMI, VA loans are an excellent option for eligible veterans and service members. The median home price of $815,000 falls comfortably within VA loan limits.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. Additionally, CalHFA offers down payment assistance programs with competitive rates, and San Bernardino County provides local DPA options for first. time and eligible buyers. These programs are particularly helpful in Upland's $600K. $900K price range.
Down payments in Upland typically range from 0% to 20% depending on your loan type. VA loans and our No Money Down program require $0 down, FHA loans need just 3.5% down (about $28,500 on the median $815,000 home), and conventional loans start at 3% down. With the median home around $815,000, a 20% down payment would be approximately $163,000.
Most lenders require a minimum credit score of 620 for conventional loans in Upland, while FHA loans can go as low as 580 (or even 500 with 10% down). For the best rates on homes in the $600K. $900K range, aim for a score of 680 or higher. VA loans are also flexible with credit requirements for eligible borrowers.
Look for a lender experienced with Upland's middle. tier market who can explain all your options, from FHA and VA to conforming loans up to $833,000. Compare rates, fees, and closing timelines from multiple lenders, and choose one who's responsive and can pre. approve you quickly in this balanced market. A local lender familiar with San Bernardino County can often navigate the process more smoothly.
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