Mortgage broker serving Yorba Linda, 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 Yorba Linda buyers, we match your unique situation to the right program.
The Yorba Linda market requires jumbo loan expertise for homes above the $1.25M threshold.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Yorba Linda 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 Yorba Linda home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Yorba Linda starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Yorba Linda 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 Yorba Linda 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 Yorba Linda 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 Yorba Linda home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Yorba Linda prices often exceed $1.25M. Jumbo loans cover properties above the conforming limit with 10-20% down.
Properties under $1.25M get conforming financing. Split between conforming and jumbo in Yorba Linda.
Self-employed? Yorba Linda bank statement loans use deposits, not tax returns. Common for entrepreneurs.
VA loans cover all Yorba Linda properties with $0 down. No PMI ever. Veterans' best option.
Asset depletion loans for Yorba Linda buyers with $500K+ liquid assets. Qualify on portfolio, not paycheck.
First-time Yorba Linda buyers can use FHA with 3.5% down. Limit is $1.25M.
Bridge financing for Yorba Linda moves. Purchase before your current home sells.
Entity financing for Yorba Linda investors. Purchase in LLC for asset protection.
Yorba Linda loans under $1.25M get conforming refinance rates. Best rates available.
Access Yorba Linda home equity with cash-out refi. Up to 80% LTV for improvements or investments.
HELOC for Yorba Linda homeowners with equity. Flexible access without full refinance.
VA IRRRL refinance for Yorba Linda veterans. Lower your rate without appraisal or income docs.
Yorba Linda home equity loans available. Fixed rate second mortgage for large expenses.
FHA streamline for Yorba Linda homeowners with FHA loans. Lower your rate without appraisal.
Investment properties in Yorba Linda can use DSCR financing. Rental income qualifies the loan.
Yorba Linda rehab projects use fix-and-flip loans. 12-18 month terms for buy-renovate-sell.
Multifamily loans for Yorba Linda apartment buildings. Commercial rates for larger properties.
Hard money financing for Yorba Linda commercial. Fast approval when banks are too slow.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Yorba Linda buyers with qualifying income.
CalHFA programs can help Yorba Linda first-time buyers. Check income limits for eligibility.
Yorba Linda family transfers use gift of equity. Below-market sale with equity as down payment.
Non-occupant co-borrower option in Yorba Linda. Family member income helps qualification.
Check Yorba Linda city programs for additional DPA. May stack with CalHFA for more help.
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
Yorba Linda sits in northeast Orange County, about 35 miles southeast of downtown LA. Population is 68,035, median household income $148,325. The homeownership rate here is 82.7%, one of the highest in California, and that tells you everything about who buys here. At $1.4M median home price, you're looking at one of Orange County's premium suburbs where families put down roots for the long haul. This isn't an entry-level market. You'll need strong income, solid credit, and typically 20% down to make the numbers work.
The school situation is a big part of why people stretch their budgets to buy here. Yorba Linda High and Esperanza High both pull strong ratings, and the elementary schools like Travis Ranch and Fairmont consistently perform well. When you're putting $1.4M into a house, you're banking on those schools protecting your property value over the next 10-20 years. That 82.7% ownership rate means your neighbors aren't going anywhere either. Families buy here specifically for the schools, which creates stability that lenders like to see when they're underwriting your loan. The Placentia-Yorba Linda Unified School District is the largest employer in town, so you've got a community that's invested in keeping education quality high.
Travis Ranch runs around $1.4M and it's the newer master-planned section that attracts families wanting move-in ready homes with HOA amenities. You're looking at conventional or jumbo loans here depending on your down payment. Most buyers in Travis Ranch are putting down 20-25% to avoid PMI and get better rates. Brush Canyon also sits at that $1.4M mark but offers hillside properties with canyon views on larger lots. The lot premiums mean you'll often see jumbo loans in Brush Canyon, and appraisals can get tricky with custom features and view premiums. Both neighborhoods require strong income verification. At $1.4M, you're looking at roughly $280K annual income minimum to qualify comfortably with a conventional jumbo loan.
The commute to Irvine is only 25 minutes, which is why so many tech and business professionals choose Yorba Linda. You can get to downtown LA in 47 minutes on a decent day, Long Beach in 40, even Santa Monica in an hour if you time it right. That's the value proposition here. You're paying Orange County prices but you're getting reasonable access to LA County job markets too. The SR-91 and SR-55 are your main arteries, and yes, they get congested during rush hour. But compared to living closer to LA and dealing with that commute daily, Yorba Linda gives you suburban calm with executive-level access. When you're carrying a $1.2M mortgage, that quality of life calculation matters.
Most people who buy here don't work here. The Placentia-Yorba Linda Unified School District is the biggest employer, followed by the City of Yorba Linda and the Richard Nixon Presidential Library. But real talk, this is a bedroom community for Orange County professionals. Your neighbors are working in Irvine's tech corridor, at medical centers in Orange and Anaheim, in finance and real estate throughout OC. The job stability comes from being in Orange County's economic ecosystem, not from local employers. Lenders look at your employment location when they're underwriting your loan. If you're working in a stable OC industry and buying in Yorba Linda, that's a strong profile. The high income levels here mean most buyers have established careers and substantial down payments saved up.
Common questions from Yorba Linda 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 Yorba Linda 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 Yorba Linda: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yorba Linda buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Yorba Linda 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 Yorba Linda 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 Yorba Linda families purchase with minimal upfront cash.
2026 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Yorba Linda properties fall within conforming limits, maximizing your financing options.
For Yorba Linda'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 Yorba Linda. 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 Yorba Linda. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Yorba Linda. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yorba Linda 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 Yorba Linda: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yorba Linda buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Yorba Linda. 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 Orange County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yorba Linda 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 Yorba Linda 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 Orange County limits: FHA $1,249,125, Conventional $1,249,125. Any loan above $1,249,125 is a jumbo loan. Most Yorba Linda properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Yorba Linda 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 Yorba Linda 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 Yorba Linda families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Yorba Linda. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Orange County, and structure your purchase to minimize upfront costs.
You still have options in Yorba Linda. 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 Yorba Linda'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 Yorba Linda is $1,250,000 for 2025. This high. balance limit reflects Orange County's premium housing market, though many homes in Yorba Linda exceed this amount given the $1.4M median price. If you're looking at properties above $1.25M, you'll need a jumbo loan or conventional financing with a larger down payment.
You'll likely need a jumbo loan in Yorba Linda since most homes are priced between $1.25M and $2M, which exceeds the $1,250,000 conforming loan limit. Properties at or below $1.25M can use high. balance conforming loans with better rates and terms. About half of Yorba Linda buyers end up using jumbo financing given the typical home prices in this premium market.
The 2026 loan limits for Orange County haven't been officially announced yet, but the current conforming loan limit is $1,250,000 for single. family homes. These limits typically adjust annually based on home price trends, and Orange County qualifies as a high. cost area. You can expect any updates to be announced by the Federal Housing Finance Agency in late 2025.
Yes, you can get a VA loan in Yorba Linda with a loan limit of $1,250,000 and no down payment required for eligible veterans. However, since the median home price is $1.4M, you may need to make a 25% down payment on the amount exceeding the VA limit. VA loans are an excellent option for military families buying at or below the $1.25M threshold.
Our No Money Down program offers $0 down payment for qualified buyers, making homeownership more accessible even in this premium market. CalHFA offers down payment assistance programs with deferred. payment junior loans, and Orange County has the OC Housing Successor Agency program for eligible first. time buyers. Given Yorba Linda's higher price points, these programs work best for properties on the lower end of the market.
For Yorba Linda's typical $1.4M home price, you'll generally need 10. 20% down, which translates to $140,000 to $280,000. Conventional loans require at least 10% down for homes over $1M, while jumbo loans often require 20% for the best rates. Some buyers use our No Money Down program or put down less on properties priced closer to $1.25M using high. balance conforming loans.
You'll typically need a credit score of at least 680. 700 to buy in Yorba Linda, especially for jumbo loans in this premium market. Conventional high. balance loans may accept scores as low as 620, though you'll get better rates with 740 or higher. Most dual. income professional buyers in this area have strong credit profiles, which helps them secure competitive rates on larger loan amounts.
Choose a lender experienced with Yorba Linda's premium market and comfortable handling both high. balance conforming and jumbo loans in the $1M+ range. Look for competitive rates, transparent fees, and a track record of closing on time in competitive Orange County markets. The right lender will understand your specific situation as a move. up buyer and offer personalized guidance for properties in the $1.25M. $2M range.
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