Mortgage broker serving Vallejo, 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 Vallejo buyers, we match your unique situation to the right program.
In Vallejo's market, the right loan program can save thousands over the life of your mortgage.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Vallejo 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 Vallejo home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Vallejo starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Vallejo 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 Vallejo 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 Vallejo 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 Vallejo buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Vallejo. VA loans are the best deal for eligible veterans.
Nearly all Vallejo homes qualify for conforming loans. Best rates available for qualified buyers.
Vallejo buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Vallejo buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Vallejo areas. Check rural designation by address.
Bridge loans available for Vallejo transitions. Finance new purchase before selling.
Entity purchase programs for Vallejo. LLC financing for investment properties.
Vallejo FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Vallejo refinances qualify as conforming. Competitive rates with quick approval.
Vallejo veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Vallejo homeowners with equity. Access funds for any purpose.
Vallejo owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Vallejo homeowners. Lump sum with fixed monthly payments.
Vallejo rental properties qualify with DSCR. No personal income verification needed.
Vallejo renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Vallejo commercial. Fast financing for competitive markets.
Apartment financing in Vallejo. 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 Vallejo buyers with qualifying income.
Vallejo buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Vallejo. City programs plus CalHFA can cover most down payment.
Grant programs for Vallejo first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Vallejo areas. Check rural designation by address.
Gift of equity for Vallejo family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Vallejo 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
Vallejo sits on the northeast edge of the Bay Area in Solano County, population 125,132. Median household income is $86,112, homeownership rate 58.7%, median home price $505K. Here's the thing: this is your last realistic shot at Bay Area living without a tech salary. While San Francisco condos start at $800K and Oakland's pushing $700K, Vallejo still lets a household making $85-90K actually qualify for a mortgage on a real house with a yard.
The school situation is mixed, and you need to know that going in because it affects resale. Vallejo City Unified runs the whole show here with Vallejo High, Jesse Bethel High, and Hogan High as the main campuses. Test scores aren't stellar compared to other Bay Area districts, which is partly why homes here cost half what they do in Walnut Creek or San Ramon. But that lower price point is exactly what gets first-time buyers and young families into the market. If schools are your top priority, you'll pay $200K-$300K more in neighboring districts. If you can work with what's here or supplement with private options, you're getting Bay Area access at a price that won't crush you.
Mare Island is where the history lives. This former naval shipyard on a peninsula is going through serious redevelopment, and prices hover around $505K for everything from converted historic buildings to newer construction. FHA and conventional loans both work fine here, and you're betting on continued revitalization adding value over time. Downtown Vallejo centers on the waterfront and ferry terminal, also running about $505K, with a mix of older homes and some newer infill. The ferry access matters for commuters, and lenders view proximity to transit as a plus for appraisals. Hiddenbrooke up north is the planned community option with a golf course and newer builds, same $505K median. It's more suburban feel, attracts families, and conventional financing is standard. The whole city's pretty tight on price ranges compared to most Bay Area markets, which actually makes shopping easier.
The commute numbers are what make Vallejo work financially. [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca) is 42 minutes on a decent day, [Oakland](/mortgage-loans-and-refinance-in-oakland-ca) 32 minutes, [San Jose](/mortgage-loans-and-refinance-in-san-jose-ca) 71 minutes. That San Francisco ferry from the terminal downtown runs about an hour but you're not driving, which changes the stress equation completely. Real talk: you're still commuting, but you're saving $200K-$400K on your purchase price compared to living in the city. Run the math on your mortgage payment versus gas and bridge tolls, and for most buyers it pencils out heavily in Vallejo's favor. If you work in the East Bay, that 32-minute Oakland run is nothing, and you're getting way more house than you'd ever afford in Berkeley or Piedmont.
The local job base is more diverse than you'd expect for a city this size. Six Flags Discovery Kingdom and Kaiser Permanente Vallejo Medical Center are the big private employers, Touro University California brings education and healthcare jobs, and Vallejo City Unified plus City of Vallejo provide public sector stability. Mare Island's redevelopment is slowly adding commercial tenants and small businesses. Most buyers here work locally or commute to bigger job centers in San Francisco, Oakland, or the wider Bay Area. The mix of local employment and commuter households keeps the market stable. You're not dependent on one industry, which matters when you're taking on a 30-year mortgage.
Common questions from Vallejo 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 Vallejo 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 Vallejo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Vallejo buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Vallejo 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 Vallejo 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 Vallejo 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 Vallejo properties fall within conforming limits, maximizing your financing options.
For Vallejo'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 Vallejo. 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 Vallejo. 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 Vallejo. 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 Vallejo 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 Vallejo: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Vallejo buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Vallejo. 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 Vallejo 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 Vallejo 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 Vallejo properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Vallejo 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 Vallejo 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 Vallejo families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Vallejo. 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 Vallejo. 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 Vallejo'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 Vallejo is $725,000 for 2026, which comfortably covers most homes in the area since the median price is around $505,000. This makes FHA loans an excellent option for first. time buyers and those with lower down payments in Solano County. You can purchase well above the median home price while still enjoying FHA's flexible 3.5% down payment requirement.
You won't need a jumbo loan for most Vallejo homes since the conforming loan limit is $833,000 and the typical price range is $450,000 to $600,000. Only luxury properties priced above $833,000 would require a jumbo loan. The vast majority of buyers in Vallejo can use conventional, FHA, or VA loans with their more favorable terms.
For 2026, Solano County loan limits are $725,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits give Vallejo buyers plenty of purchasing power since they're well above the $505,000 median home price. You'll have access to competitive loan programs without needing to go jumbo.
Yes, VA loans work exceptionally well in Vallejo with a loan limit of $833,000 and no down payment required for eligible veterans and service members. Since most Vallejo homes fall between $450,000 and $600,000, you can purchase with $0 down and no PMI, making it one of the best options available. VA loans are very popular in Solano County and lenders here are experienced with them.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible in Vallejo's affordable market. You can also explore CalHFA programs that provide down payment and closing cost assistance, plus Solano County often has local DPA programs that can be stacked together. With the median home price at $505,000, these programs can help first. time buyers and young families overcome the biggest barrier to homeownership.
You can buy a Vallejo home with as little as 3.5% down using an FHA loan (about $17,675 on a $505,000 home) or 3% down with Conventional 97 (around $15,150). VA. eligible buyers and those using our No Money Down program can purchase with $0 down. Many Vallejo buyers combine low down payment loans with assistance programs to reduce their upfront costs even further.
You can qualify for an FHA loan in Vallejo with a credit score as low as 580, which is perfect for credit rebuilders and first. time buyers in this affordable market. Conventional loans typically require a 620 minimum for the 3% down option, while VA loans are often approved with scores around 580. 620. Many Vallejo buyers successfully purchase with mid. 600s scores using FHA financing.
Choose a lender experienced with Vallejo's affordable market who can navigate FHA loans, down payment assistance programs, and help you stack multiple DPA options if needed. Look for someone who understands first. time buyer needs and can close on time in Solano County's competitive market. The right lender will compare FHA, Conventional 97, and VA options to find your best rate and lowest upfront costs for homes in the $450,000 to $600,000 range.
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