Mortgage broker serving Wildomar, 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 Wildomar buyers, we match your unique situation to the right program.
The Wildomar market rewards buyers with verified financing and competitive loan terms.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Wildomar 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 Wildomar home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Wildomar starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Wildomar 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 Wildomar 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 Wildomar 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 Wildomar buyers. Most homes under $833K with competitive rates.
Strong FHA option in Wildomar. Low down payment gets you into most properties here.
$0 down for Wildomar veterans. VA loans cover all properties with no PMI required.
Wildomar business owners qualify on deposits. Tax write-offs reduce income on paper. Bank statements show reality.
CalHFA programs popular in Wildomar. State assistance helps with down payment and closing costs.
Premium Wildomar homes over $833K require jumbo loans. Less common but available for luxury properties.
Wildomar sellers can buy first with bridge loans. Short-term financing until sale closes.
LLC financing options for Wildomar investors. Buy rentals in entity names.
Conforming refinance for Wildomar homeowners. Best rates for loans under $833K.
FHA streamline refinance for Wildomar. Easiest way to lower your existing FHA rate.
VA streamline refi for Wildomar veterans. Fastest way to reduce your mortgage payment.
Turn Wildomar home equity into cash. Refinance at competitive rates for home improvements or debt.
HELOC available for Wildomar homeowners. Access equity without replacing first mortgage.
Wildomar owners can get home equity loans. Fixed rate for predictable payments.
DSCR loans work for Wildomar investment properties. Cash flow analysis replaces income docs.
Fix-and-flip available for Wildomar projects. Short-term financing for value-add investments.
Multifamily options for Wildomar investors. Finance apartment buildings with commercial loans.
Wildomar 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 Wildomar buyers with qualifying income.
CalHFA programs popular in Wildomar. State assistance helps with down payment and closing costs.
Wildomar has local down payment programs. Combine with CalHFA for maximum assistance.
Elite grant available for Wildomar buyers. Down payment assistance with no repayment.
Wildomar family sales can use gift of equity. Equity difference becomes down payment.
Add a co-borrower for Wildomar 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
Wildomar sits in southwest Riverside County, about 80 miles southeast of LA and 60 miles north of San Diego. Population is 36,822, median household income $89,912. The homeownership rate here is 75.2%, one of the highest in the region, and that tells you something important. At $686K median home price, you're looking at a market where families with solid incomes are putting down roots, not just passing through. This is what affordable looks like in the Inland Empire now - you need roughly $90-100K household income to qualify comfortably for a conventional loan on a typical home here.
If you're buying with kids in mind, the elementary schools here matter for both your daily life and your resale value down the road. Wildomar Elementary, Luiseno Elementary, Lakeland Village Elementary, and Cottonwood Canyon Elementary serve different parts of town. The Lake Elsinore Unified School District runs the show, and it's the largest employer in the area, which means steady property tax base and community investment. That 75.2% homeownership rate means most families around you own rather than rent, which typically translates to more stable neighborhoods. When you're stretching to make a $686K purchase work, knowing your neighbors are invested long-term matters.
The two main areas you'll look at are Windsong Valley and Lakeland Village, both running around that $686K median. Windsong Valley has mostly single-family homes built in the 2000s, three and four bedroom layouts on quarter-acre lots, the kind of place where conventional loans with 10-20% down are standard. Lakeland Village skews a bit older with more variety in housing stock, includes some properties near the lake that can push higher depending on views and lot size. Both neighborhoods work well for FHA if you're a first-timer with 3.5% down, though you'll face competition from conventional buyers in this price range. The lack of extreme price variation across town means you're not gambling on which street you pick - most of Wildomar trades in that $650K-$720K band.
The commute to LA runs about 79 minutes in decent traffic via I-15 north, which is why Wildomar costs $686K instead of $1.2M like similar communities closer in. Clinton Keith Road is your main commercial corridor running through town, connects you to I-15 and the rest of southwest Riverside County. Local transit exists but most people drive - this is car country. If you work in Temecula, Murrieta, or Lake Elsinore, you're looking at 15-25 minute commutes, which is part of why families with decent incomes choose here. You're buying space and newer construction at a price point that still works with conventional financing, even if it means some drive time.
Lake Elsinore Unified School District is the big employer, which gives the area that public sector stability lenders like to see when underwriting mortgages. City of Wildomar itself provides municipal jobs, and the retail and service businesses along Clinton Keith Road add local employment options. Real talk, most buyers here work elsewhere in the Inland Empire or make the haul to Orange County or LA. The income level at $89,912 median tells you this is a commuter community where people trade drive time for a mortgage payment they can actually manage. That higher household income compared to the home price is why the homeownership rate sits above 75% - people here can qualify and sustain their payments.
Common questions from Wildomar 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 Wildomar 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 Wildomar: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Wildomar buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Wildomar 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 Wildomar 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 Wildomar families purchase with minimal upfront cash.
2026 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Wildomar properties fall within conforming limits, maximizing your financing options.
For Wildomar'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 Wildomar. 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 Wildomar. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Wildomar. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Wildomar 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 Wildomar: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Wildomar buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Wildomar. 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 Riverside County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Wildomar 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 Wildomar 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 Riverside County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Wildomar properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Wildomar 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 Wildomar 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 Wildomar families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Wildomar. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Riverside County, and structure your purchase to minimize upfront costs.
You still have options in Wildomar. 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 Wildomar'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 Wildomar is $690,000 for 2025. This covers most homes in the area since the median home price is around $686,000, making FHA loans a popular choice for first. time buyers and those with smaller down payments.
You won't need a jumbo loan for most Wildomar homes since the conforming loan limit is $833,000 and the median price is $686,000. Only homes priced above $833,000 require jumbo financing, which represents a smaller portion of the market here.
For 2025, Riverside County's loan limits are $690,000 for FHA loans and $833,000 for conforming and VA loans. The 2026 limits typically get announced in November 2025, and they're adjusted based on home price changes throughout the year.
Yes, VA loans are very competitive in Wildomar with a loan limit of $833,000, which covers virtually all homes in the area. Veterans and active military can benefit from $0 down payment and no mortgage insurance, making it one of the best financing options available.
Our No Money Down program offers $0 down payment for qualified buyers in Wildomar. You can also explore CalHFA programs that provide down payment and closing cost assistance, as well as Riverside County's MyHome Assistance Program which offers deferred. payment junior loans to help with upfront costs.
Down payments in Wildomar 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%, and conventional loans can go as low as 3% for first. time buyers or 5% for others.
Most lenders require a minimum credit score of 580 for FHA loans and 620 for conventional loans in Wildomar. However, you'll get better interest rates with scores above 680, which can save you thousands over the life of your loan on a $686,000 home.
Look for a lender experienced with Wildomar's market who offers multiple loan options including FHA, VA, and conventional programs. Compare rates and fees from at least three lenders, and choose one who responds quickly and can close on time, which is crucial in a balanced market where you're competing with other buyers.
Fill out the form below and we'll reach out to discuss your Wildomar mortgage options.
We respond within 24 hours
