Mortgage broker serving West Hollywood, 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 West Hollywood buyers, we match your unique situation to the right program.
West Hollywood buyers navigate properties near the $1.25M conforming limit, where loan structure impacts rates significantly.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your West Hollywood 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 West Hollywood home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in West Hollywood starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for West Hollywood 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 West Hollywood 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 West Hollywood homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| Jumbo | 10-20% | 680+ | Homes above $1,249,125 |
| Bank Statement | 10-20% | 660+ | Self-employed, business owners, tech consultants |
| VA | $0 | No minimum | Veterans, active military (0% down on any price) |
| Asset Depletion | 10-20% | 680+ | Retirees, investors with $500K+ liquid assets |
| Conventional | 3-20% | 620+ | Good credit, flexible down payment. Up to $1,249,125 |
| DSCR | 20-25% | 660+ | Investment properties, no income verification |
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | First-time buyers - grant covers FHA or Conventional down payment |
| Reverse Mortgage | N/A | No minimum | Seniors 62+ accessing West Hollywood home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most West Hollywood homes qualify for conforming loans under $1.25M. Best rates with 3-20% down.
Veterans buy in West Hollywood with nothing down. VA loans up to $1.25M with no mortgage insurance.
FHA loans popular for West Hollywood first-timers. 3.5% down, 580 credit minimum.
Higher-end West Hollywood properties may exceed $1.25M. Jumbo financing available when needed.
Bank statement loans work for West Hollywood's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for West Hollywood buyers.
Bridge loans help West Hollywood buyers compete. Make non-contingent offers while selling current home.
West Hollywood investment properties in LLC. Entity financing available for investors.
Most West Hollywood mortgages qualify for conforming refinance. Lower your rate under the limit.
West Hollywood homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in West Hollywood refinance with VA IRRRL. No appraisal, no income verification.
West Hollywood HELOC options for home equity access. Credit line with variable rate draw period.
West Hollywood FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for West Hollywood. Fixed payments unlike variable HELOC.
West Hollywood rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in West Hollywood use fix-and-flip financing. Purchase plus rehab in one loan.
West Hollywood apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in West Hollywood. Speed and flexibility for investment deals.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for West Hollywood buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for West Hollywood buyers.
Local West Hollywood DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
West Hollywood buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for West Hollywood family purchases. Parents selling to children at discount.
West Hollywood buyers use non-occupant co-borrowers. Parents help children qualify for homes.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
West Hollywood is a 1.9 square mile independent city wedged between Beverly Hills and Hollywood proper. Population is just 35,358, median household income $89,034. Here's the thing: the homeownership rate is 19.3%, one of the lowest in California, and that tells you everything about this market. At $1.149M median home price, you're looking at a place where most people rent and those who buy are either extremely well-compensated professionals, entertainment industry earners, or investors treating condos as rental properties. This isn't starter home territory.
Real talk: WeHo isn't really a family-buying market. West Hollywood Elementary serves the area, Fairfax High and Bancroft Middle are nearby options in LAUSD. School ratings aren't the draw here because families with kids aren't the primary buyer demographic. The 19.3% ownership rate reflects a young, mobile population that rents. If you're buying here with school-age kids, you're likely doing it for the location and lifestyle despite the schools, not because of them. Most buyers are singles, couples without kids, or investors, which is why the condo market dominates and why you'll see more jumbo loans than FHA.
West Hollywood doesn't really have distinct price tiers because it's so small and desirable across the board. The Sunset Strip runs around $1.1M median, mostly condos with some older low-rise apartments converted to condominiums, and you're paying for the address and walkability to legendary music venues like the Whisky a Go Go and Troubadour. Boystown along Santa Monica Boulevard also hits $1.1M, heavily condo-focused, attracts LGBTQ+ buyers who want to be in the heart of one of the country's most prominent gay villages. Norma Triangle is the closest thing to traditional residential, still $1.1M, with some single-family homes on quiet streets near Beverly Hills. West Hollywood Design District around the Pacific Design Center is $1.1M too, popular with design professionals and creatives. Jumbo loans are standard across all neighborhoods because conventional loan limits get blown past quickly. You'll need 20% down minimum in most cases, and sellers expect clean financing with strong income documentation.
The commute situation is actually one of WeHo's biggest selling points for the price. You're 28 minutes to downtown LA, 27 minutes to Santa Monica, which is incredibly central for Southern California. No freeway runs directly through the city, which keeps it quieter than you'd expect for such an urban location. You've got surface streets like Santa Monica Boulevard and Sunset Boulevard that connect you everywhere. If you work in entertainment, media, or the Westside tech scene, this location saves you hours every week compared to living in more affordable suburbs. That time savings is part of what justifies the mortgage payment when you're financing over a million dollars.
The City of West Hollywood itself is a major employer, and Cedars-Sinai Medical Center sits right on the border, employing thousands. Pacific Design Center anchors the design trade, Sunset Marquis Hotel represents the hospitality sector, and countless entertainment industry companies have offices here or nearby. But here's what matters for buyers: most people purchasing in WeHo don't work in WeHo. They work in entertainment, tech, finance, or healthcare across LA and want to live somewhere walkable and culturally vibrant. Lenders will want to see stable W-2 income in the $250K+ range for a solo buyer, or combined household income around $350K+ to comfortably qualify for mortgages at this price point. Self-employed entertainment industry folks can get approved but expect extra documentation scrutiny.
Common questions from West Hollywood 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 West Hollywood 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 West Hollywood: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many West Hollywood buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified West Hollywood 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 West Hollywood 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 West Hollywood families purchase with minimal upfront cash.
2026 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most West Hollywood properties fall within conforming limits, maximizing your financing options.
For West Hollywood'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 West Hollywood. 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 West Hollywood. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in West Hollywood. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in West Hollywood 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 West Hollywood: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many West Hollywood buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in West Hollywood. 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 Los Angeles County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in West Hollywood 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 West Hollywood 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 Los Angeles County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most West Hollywood properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified West Hollywood 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 West Hollywood 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 West Hollywood families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in West Hollywood. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Los Angeles County, and structure your purchase to minimize upfront costs.
You still have options in West Hollywood. 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 West Hollywood'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 West Hollywood is $1,250,000 for 2025. This higher limit applies because West Hollywood is in Los Angeles County, which is designated as a high. cost area. With most homes priced between $900K and $1.25M, FHA loans can work well for many buyers in this market.
Most buyers in West Hollywood won't need a jumbo loan since the conforming limit is $1,250,000 and the median home price is around $1.1M. However, if you're purchasing a property above $1.25M or need a loan exceeding that amount, you'll need jumbo financing. Many established professionals in this area qualify for competitive jumbo rates when needed.
The 2026 loan limits for Los Angeles County haven't been announced yet, but the current 2025 limits are $1,250,000 for conforming, FHA, and VA loans. These limits typically adjust annually based on home price trends. Check back in late 2025 for the official 2026 announcement from FHFA.
Yes, you can absolutely get a VA loan in West Hollywood with a loan limit of $1,250,000 for 2025. This covers most properties in the area since the median price is $1.1M. VA loans offer 0% down and no PMI, making them an excellent option for eligible veterans and service members in this upper. middle market.
Our No Money Down program offers $0 down payment for qualified buyers in West Hollywood. CalHFA programs provide down payment and closing cost assistance for first. time and repeat buyers, with options like the MyHome Assistance Program offering deferred. payment junior loans. Los Angeles County also offers various programs for eligible buyers, though the area's higher prices may affect qualification.
Down payment requirements in West Hollywood vary by loan type. Conventional loans typically require 3% to 20% ($33,000 to $220,000 on a $1.1M home), while FHA loans need 3.5% (about $38,500). VA loans and our No Money Down program offer $0 down options for qualified buyers, which can be especially helpful given the area's higher price point.
Most lenders require a minimum credit score of 620 for conventional loans and 580 for FHA loans in West Hollywood. However, given the upper. middle market pricing around $1.1M, you'll get better rates and terms with a score of 680 or higher. Many established professionals in this area have strong credit profiles that qualify them for competitive rates.
Choose a lender experienced with West Hollywood's upper. middle market who can handle both conforming and jumbo loans since properties here range from $900K to above $1.25M. Look for competitive rates, clear communication, and someone who understands first. time jumbo borrowers. Getting pre. approved with a knowledgeable local lender gives you an edge in this competitive market with its low 19.3% homeownership rate.
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