Mortgage broker serving Woodland, 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 Woodland buyers, we match your unique situation to the right program.
Woodland offers solid value, but buyers still need strategic financing to compete effectively.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Woodland 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 Woodland home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Woodland starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Woodland 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 Woodland 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 Woodland 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 Woodland buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Woodland. VA loans are the best deal for eligible veterans.
Nearly all Woodland homes qualify for conforming loans. Best rates available for qualified buyers.
Woodland buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Woodland buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Woodland areas. Check rural designation by address.
Bridge loans available for Woodland transitions. Finance new purchase before selling.
Entity purchase programs for Woodland. LLC financing for investment properties.
Woodland FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Woodland refinances qualify as conforming. Competitive rates with quick approval.
Woodland veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Woodland homeowners with equity. Access funds for any purpose.
Woodland owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Woodland homeowners. Lump sum with fixed monthly payments.
Woodland rental properties qualify with DSCR. No personal income verification needed.
Woodland renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Woodland commercial. Fast financing for competitive markets.
Apartment financing in Woodland. 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 Woodland buyers with qualifying income.
Woodland buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Woodland. City programs plus CalHFA can cover most down payment.
Grant programs for Woodland first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Woodland areas. Check rural designation by address.
Gift of equity for Woodland family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Woodland 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
Woodland sits in Yolo County, about 15 miles northwest of [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca). Population is 61,227, median household income $84,494. The homeownership rate here is 56.1%, which tracks for a city where the median home price runs $548,500. That price point puts you squarely in conventional loan territory, and for a household pulling in $80-90K, you're looking at a mortgage that's tight but doable with decent credit and 10-15% down.
If you're buying with kids in mind, Woodland Joint Unified runs the show here. Woodland High is your main comprehensive high school, Pioneer High offers alternative pathways, and Woodland Community College gives local kids a two-year option without leaving town. The district serves the whole city, so your school assignment depends on where you buy. Families who settle here tend to stay put through the school years, which stabilizes neighborhoods and helps with resale when you eventually move up or out. That $84K median income means most buyers are dual-income households trying to balance mortgage payments with childcare and everything else.
Here's the thing about Woodland. It's not carved into a dozen named subdivisions like newer suburbs. Historic Downtown runs around $549K for older homes with character, walkability to shops and the Opera House, and smaller lots typical of pre-war construction. You're looking at conventional loans here, and buyers tend to be either empty nesters downsizing or younger professionals who want that urban feel without Sacramento prices. East Woodland also hits that $549K median, but you're getting newer builds, bigger lots, and more of a traditional suburban setup with cul-de-sacs and two-car garages. FHA loans work fine in both areas if you're a first-timer, but most buyers at this price point go conventional to avoid mortgage insurance once they hit 20% down.
The commute to Sacramento takes about 27 minutes, which is huge for your quality of life and your budget math. [Roseville](/mortgage-loans-and-refinance-in-roseville-ca) runs 40 minutes if you work in the tech or retail sectors up there. You're close enough to the capital to tap into state government jobs, healthcare systems, and all the professional services that orbit Sacramento. Local transit exists but most people drive. The real advantage is you're getting a reasonable mortgage payment without sacrificing two hours a day in traffic. That 27-minute commute means you can actually come home for lunch or make it to your kid's soccer game without leaving work at 3pm.
Yolo County Government is the big employer here since Woodland is the county seat, which means steady public sector jobs with decent benefits. Woodland Joint Unified School District employs a chunk of residents, and Dignity Health Woodland Memorial Hospital anchors the healthcare sector. Pacific Coast Producers runs a major food processing operation that's been here for decades. The job mix gives you stability. Government and education don't boom and bust like tech or construction. Most buyers work locally or commute to Sacramento, and that income diversity keeps the housing market from swinging too wild when the economy shifts.
Common questions from Woodland 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 Woodland 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 Woodland: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Woodland buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Woodland 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 Woodland 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 Woodland families purchase with minimal upfront cash.
2026 Yolo County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Woodland properties fall within conforming limits, maximizing your financing options.
For Woodland'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 Woodland. 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 Woodland. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yolo County, and structure your purchase to minimize upfront costs.
You still have options in Woodland. 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 Yolo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Woodland 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 Woodland: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Woodland buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Woodland. 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 Yolo County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Woodland 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 Woodland 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 Yolo County limits: FHA $764,750, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Woodland properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Woodland 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 Woodland 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 Woodland families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Woodland. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Yolo County, and structure your purchase to minimize upfront costs.
You still have options in Woodland. 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 Woodland'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 Woodland is $765,000 for 2025. This is well above Woodland's median home price of $549,000, so FHA loans work great for nearly all homes in the area. FHA is especially popular here with first. time buyers because you can put down as little as 3.5% with a credit score of 580 or higher.
You won't need a jumbo loan in Woodland for most purchases. With conforming loan limits at $833,000 and the median home price around $549,000, standard conventional and FHA loans cover the vast majority of homes here. Jumbo loans are only necessary if you're buying above $833,000, which is uncommon in this affordable market.
For 2025, Yolo County's conforming loan limit is $833,000, the FHA limit is $765,000, and the VA limit is $833,000. These limits are typically announced in November for the following year, so 2026 limits aren't available yet. Given Woodland's median price of $549,000, current limits provide plenty of room for buyers.
Yes, VA loans are an excellent option in Woodland with a loan limit of $833,000. Veterans and active military can buy with $0 down, no mortgage insurance, and competitive rates on homes well above the $549,000 median price. VA loans are particularly valuable here since they help you avoid PMI while keeping your monthly payments affordable.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership immediately accessible. You can also explore CalHFA programs that provide down payment and closing cost assistance with forgivable loans, plus Yolo County may offer local first. time buyer grants. Many Woodland buyers successfully stack multiple programs to cover their entire down payment and closing costs.
You can buy a Woodland home with as little as 3.5% down using an FHA loan, which means about $19,000 to $21,000 on a median. priced home. Conventional 97 loans also offer 3% down options, and VA loans require $0 down for eligible veterans. With strong down payment assistance available locally, many first. time buyers in Woodland put down very little or even nothing out of pocket.
You can qualify for an FHA loan in Woodland with a credit score as low as 580, which is perfect for this market where many buyers are rebuilding credit. Conventional loans typically require a 620 minimum for the best programs, while VA loans are often approved with scores around 580. 620. Given that Woodland attracts many first. time buyers and credit rebuilders, lenders here regularly work with scores in the 580. 680 range.
Choose a lender experienced with Woodland's affordable market who understands FHA loans and down payment assistance programs that first. time buyers rely on here. Look for someone who can explain how to stack DPA programs and who offers multiple loan options for the $450K. $600K price range. Local expertise matters because a good lender will know which programs work best for Yolo County buyers and can close on time in this competitive market.
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