Mortgage broker serving Victorville, 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 Victorville buyers, we match your unique situation to the right program.
Victorville's market offers opportunity for buyers who understand their financing options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Victorville 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 Victorville home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Victorville starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Victorville 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 Victorville 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 Victorville 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 dominates Victorville purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Victorville. State programs reduce out-of-pocket costs significantly.
Veterans buy Victorville homes with $0 down. Full VA benefits cover all properties here.
Many Victorville properties qualify for USDA zero-down loans. Rural designation required.
All Victorville properties qualify for conforming loans. 3% down minimum for first-time buyers.
Victorville local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Victorville homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Victorville. Investors can purchase in entity names.
FHA streamline dominates Victorville refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Victorville veterans. No paperwork hassles, quick closing.
Many Victorville homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Victorville refinance qualifies for conforming rates. Best terms for rate reduction.
Victorville owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Victorville. Predictable payments for major expenses.
DSCR financing for Victorville investors. Buy rentals based on property income potential.
Fix-and-flip financing for Victorville investors. Buy distressed properties, renovate, sell.
Commercial hard money in Victorville. Quick funding when timing is critical.
Multifamily loans available for Victorville 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 Victorville buyers with qualifying income.
CalHFA is a strong option for Victorville. State programs reduce out-of-pocket costs significantly.
Victorville local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Victorville down payment help. Free money for qualified buyers.
Many Victorville properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Victorville benefit from gift of equity. No cash down payment needed.
Victorville 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
Victorville anchors the High Desert in San Bernardino County, about 85 miles northeast of LA. Population is 134,810, median household income $45,446. The homeownership rate sits at 32.9%, which is low even for California, and that tells you something about the rental market here. At $411K median home price, you're looking at a market that's more affordable than the coast but still requires solid income documentation and decent credit to qualify for conventional financing.
The school situation here is what you'd expect from a High Desert community that's seen rapid growth. Victor Valley High and Silverado High both serve the area, with ratings that won't wow you but reflect the working-class nature of the city. Hook Junior High and Loma Linda Elementary round out the options for families. Here's the thing: if schools are your top priority, you'll want to research specific attendance zones before you make an offer, because they vary quite a bit across Victorville. That low homeownership rate means a lot of your neighbors will be renters, which can affect neighborhood stability and resale values down the road.
Spring Valley Lake is the crown jewel, a planned community with a private lake and golf course where prices cluster around $411K and up. You're looking at conventional loans here, and HOA fees that cover the amenities, so factor those into your debt-to-income ratio when you're calculating what you can afford. Old Town Victorville along Route 66 offers historic character at similar price points, but the housing stock is older and you'll want a thorough inspection before closing. The rest of Victorville spreads out in typical High Desert fashion, with tract homes from different decades mixing together. FHA loans are common throughout the city because many buyers are stretching to qualify, and the lower down payment helps first-timers get in the door.
The commute to LA takes about 84 minutes via I-15 when traffic cooperates, which isn't every day. That drive is exactly why Victorville costs $411K instead of $800K like you'd pay in the Inland Empire. Route 66 runs right through town if you care about Americana and road trip nostalgia. Local transit exists but most people drive because the High Desert sprawls. If you're working remotely or found a job at one of the local employers, you can actually make the math work on a mortgage here. If you're commuting daily to LA or San Bernardino, you're trading two to three hours a day for a lower house payment.
Victor Valley Community Hospital and Victor Valley Union High School District provide stable public sector employment that keeps the local economy steady. Southern California Logistics Airport has been growing and brings logistics and aviation jobs to the area. The Federal Bureau of Prisons runs a correctional complex here, which means consistent government employment. San Bernardino County has offices throughout Victorville. Real talk: the job market isn't booming, but it's steady, and that matters when you're trying to prove income stability to an underwriter. Most buyers here work locally or make the commute to better-paying jobs in the basin, then come home to a mortgage they can actually afford.
Common questions from Victorville 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 Victorville 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 Victorville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Victorville buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Victorville 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 Victorville 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 Victorville 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 Victorville properties fall within conforming limits, maximizing your financing options.
For Victorville'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 Victorville. 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 Victorville. 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 Victorville. 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 Victorville 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 Victorville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Victorville buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Victorville. 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 Victorville 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 Victorville 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 Victorville properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Victorville 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 Victorville 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 Victorville families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Victorville. 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 Victorville. 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 Victorville'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 Victorville is $690,000 for 2026, which is well above the median home price of $411,000. This means virtually all homes in Victorville qualify for FHA financing, making it an ideal option for first. time buyers who can put down as little as 3.5%. FHA loans are the most popular choice in Victorville due to flexible credit requirements and low down payment options.
You won't need a jumbo loan in Victorville since the conforming loan limit is $833,000 and most homes are priced between $300,000 and $450,000. With the median home price at $411,000, standard FHA, VA, and conventional loans will cover your purchase. Jumbo loans are only necessary for luxury properties well above typical Victorville prices.
For 2026 in San Bernardino County, the conforming loan limit is $833,000, the FHA limit is $690,000, and the VA limit is $833,000. These limits are more than sufficient for Victorville's median home price of $411,000. First. time buyers have excellent financing options with FHA loans being the most popular choice in the area.
Yes, VA loans are available in Victorville with a loan limit of $833,000, which covers all typical homes in the area. If you're a qualified veteran or active. duty service member, VA loans offer 0% down payment and no mortgage insurance on homes priced well above Victorville's $411,000 median. This is one of the best financing options if you're eligible.
Our No Money Down program offers $0 down payment for qualified buyers in Victorville, making homeownership immediately accessible. CalHFA programs provide down payment and closing cost assistance with options up to 3.5% of the purchase price, and San Bernardino County offers additional DPA programs for first. time buyers. Some areas of Victorville may also qualify for USDA loans with zero down payment required.
You can buy a Victorville home with as little as 3.5% down using an FHA loan, which means roughly $14,000 to $16,000 on a median. priced home. VA loans and USDA loans offer 0% down options if you qualify, and down payment assistance programs can cover most or all of your down payment. With Victorville's median price at $411,000, many first. time buyers use DPA programs to minimize upfront costs.
You can qualify for an FHA loan in Victorville 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 score, while VA loans are more flexible with credit requirements. Given that FHA loans dominate Victorville's market, buyers with modest credit scores have excellent opportunities to purchase.
Choose a lender experienced with Victorville's entry. level market who understands FHA loans and down payment assistance programs that are critical here. Look for someone who can explain CalHFA, county DPA programs, and zero. down options since most buyers need these tools with the area's median income of $45,446. A local lender familiar with San Bernardino County will help you maximize assistance programs and navigate the process smoothly.
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