Mortgage broker serving Yountville, 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 Yountville buyers, we match your unique situation to the right program.
Yountville buyers face financing complexity with many properties exceeding the $1.02M conforming limit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Yountville 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 Yountville home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Yountville starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Yountville 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 Yountville 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 Yountville 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 Yountville home equity |
Questions? Call (510) 589-4096 or email info@agoodlender.com
Most Yountville homes qualify for conforming loans under $1.02M. Best rates with 3-20% down.
Veterans buy in Yountville with nothing down. VA loans up to $1.02M with no mortgage insurance.
FHA loans popular for Yountville first-timers. 3.5% down, 580 credit minimum.
Higher-end Yountville properties may exceed $1.02M. Jumbo financing available when needed.
Bank statement loans work for Yountville's self-employed buyers. 12-24 months of deposits qualify you.
CalHFA MyHome provides up to 3.5% down payment assistance for Yountville buyers.
Bridge loans help Yountville buyers compete. Make non-contingent offers while selling current home.
Yountville investment properties in LLC. Entity financing available for investors.
Most Yountville mortgages qualify for conforming refinance. Lower your rate under the limit.
Yountville homeowners tap equity with cash-out refinance. Consolidate debt or fund renovations.
Veterans in Yountville refinance with VA IRRRL. No appraisal, no income verification.
Yountville HELOC options for home equity access. Credit line with variable rate draw period.
Yountville FHA borrowers can streamline refinance. No income verification or appraisal required.
Home equity loan option for Yountville. Fixed payments unlike variable HELOC.
Yountville rental investors use DSCR loans. Property income determines qualification, not W-2s.
Renovation investors in Yountville use fix-and-flip financing. Purchase plus rehab in one loan.
Yountville apartment financing available. Multifamily loans for 5+ unit buildings.
Commercial hard money in Yountville. 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 Yountville buyers with qualifying income.
CalHFA MyHome provides up to 3.5% down payment assistance for Yountville buyers.
Local Yountville DPA programs supplement state assistance. City grants reduce out-of-pocket costs.
Yountville buyers check Elite grant eligibility. Grant funds reduce out-of-pocket costs.
Gift of equity option for Yountville family purchases. Parents selling to children at discount.
Yountville 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
Yountville sits right in the heart of Napa Valley, population 3,397, median household income $75,134. The homeownership rate is 66.1%, but here's the thing - at $1.025M median home price, this isn't a market for typical first-time buyers. This is wine country real estate where you're paying for location, location, location. Most buyers here are either cashing out equity from Bay Area properties, making serious money in tech or wine industry, or buying second homes. If you're earning $75K and trying to qualify for a million-dollar mortgage, the math won't work without a massive down payment or co-borrowers.
Yountville Elementary is your only public school option, and families here typically continue to schools in nearby Napa for middle and high school. The truth is, most people aren't buying in Yountville for the school ratings - they're buying for the lifestyle and the address. With only 3,400 residents, this is a tiny community where everyone knows everyone. If you've got kids and school quality drives your buying decision, you'll want to research the Napa schools carefully since that's where your kids will go after elementary. The small-town feel appeals to retirees and empty nesters more than young families, which shows in the demographics and property types available.
Real talk - there aren't distinct neighborhoods here like you'd find in a bigger city. Downtown Yountville along Washington Street runs around $1M and up, putting you walking distance to The French Laundry, V Marketplace, and the restaurant scene that defines this town. The Veterans Home area also hovers around $1M, near the large state facility that's been here since 1884. You're looking at jumbo loans for everything in Yountville, period. Conventional loan limits won't cut it when the median is over a million. Most buyers bring 20-30% down to avoid PMI on these jumbos, and lenders will scrutinize your income and credit hard at this price point. The properties tend to be smaller homes or condos because land is so limited and valuable.
You're 74 minutes to San Francisco, 65 to Oakland, 99 to San Jose on good traffic days. But let's be honest - most people buying here aren't commuting daily to the Bay Area for work. The commute exists if you need it occasionally, but at these prices you're typically looking at remote workers, retirees, wine industry professionals, or hospitality executives who work locally. There's local transit, but Yountville is a walking town by design. You can stroll to dinner at Bouchon or The French Laundry, hit the tasting rooms, and never need your car. That walkability is part of what you're paying for in that million-dollar price tag.
The Veterans Home of California-Yountville is the largest employer, a state-run facility with steady government jobs. After that, it's all about wine and hospitality. The French Laundry, Domaine Chandon, various wineries, hotels, and restaurants drive the local economy. If you work in the wine industry or high-end hospitality, living here makes sense career-wise and you might qualify for that jumbo loan. For everyone else, you're either retired, working remotely for Bay Area wages, or you've built wealth elsewhere and want the Napa lifestyle. The job market here won't support a million-dollar mortgage on local wages alone unless you're an executive chef or winery owner.
Common questions from Yountville 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 Yountville 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 Yountville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yountville buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Yountville 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 Yountville 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 Yountville families purchase with minimal upfront cash.
2026 Napa County limits: FHA $1,017,750, Conventional $1,017,750. Any loan above $1,017,750 is a jumbo loan. Most Yountville properties fall within conforming limits, maximizing your financing options.
For Yountville'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 Yountville. 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 Yountville. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Napa County, and structure your purchase to minimize upfront costs.
You still have options in Yountville. 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 Napa County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yountville 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 Yountville: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yountville buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Yountville. 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 Napa County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yountville 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 Yountville 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 Napa County limits: FHA $1,017,750, Conventional $1,017,750. Any loan above $1,017,750 is a jumbo loan. Most Yountville properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Yountville 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 Yountville 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 Yountville families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Yountville. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Napa County, and structure your purchase to minimize upfront costs.
You still have options in Yountville. 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 Yountville'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 Yountville is $1,020,000 for 2025. This higher limit reflects Napa County's elevated home prices and allows you to purchase most homes in the area with an FHA loan requiring just 3.5% down. With Yountville's median home price around $1M, FHA financing can work well for many buyers here.
You won't need a jumbo loan for most Yountville homes since the conforming loan limit is $1,020,000 and the median home price is around $1M. However, if you're looking at properties above $1.02M or in the $1.1M to $1.25M range that's common here, you'll need jumbo financing. Many established professionals buying in Yountville end up being first. time jumbo borrowers, but the process is straightforward with proper preparation.
The 2025 loan limits for Napa County are $1,020,000 for conforming, FHA, and VA loans. These limits apply throughout Yountville and all of Napa County. The 2026 limits typically aren't announced until late 2025, but they're adjusted annually based on home price trends.
Yes, you can absolutely use a VA loan in Yountville with a loan limit of $1,020,000 and no down payment required for eligible veterans. This covers the majority of homes in Yountville's market where the median price is around $1M. VA loans are an excellent option here since they don't require PMI and offer competitive rates for qualified service members.
Our No Money Down program offers $0 down payment for qualified buyers in Yountville. CalHFA programs are also available and provide down payment and closing cost assistance with various income limits that can work well given the area's median income of $75,134. Some Napa County local programs may apply depending on your situation, so it's worth exploring all options even in this upper. middle market.
For a typical $1M home in Yountville, you can put down as little as 3.5% ($35,000) with FHA or 5% ($50,000) with conventional financing. If you're a veteran, VA loans require $0 down, and our No Money Down program may also be available for qualified buyers. Putting down 20% ($200,000) helps you avoid PMI and can strengthen your offer in this competitive wine country market.
You'll typically need a minimum credit score of 620 for conventional loans in Yountville, though FHA loans can go as low as 580 with 3.5% down. Given that homes here range from $900K to $1.25M and many buyers are established professionals, most lenders prefer seeing scores of 680+ for the best rates and terms. If you're considering a jumbo loan for properties over $1.02M, you'll generally need a score of at least 700.
Look for a lender experienced with Yountville's upper. middle market who understands both conforming and jumbo financing since homes here often sit right at the $1.02M limit. You'll want someone who can explain your options clearly, especially if you're a first. time jumbo borrower, and who has access to multiple loan programs including FHA, VA, and down payment assistance. Compare rates, fees, and responsiveness since you'll need a lender who can move quickly in Napa County's competitive market.
Fill out the form below and we'll reach out to discuss your Yountville mortgage options.
We respond within 24 hours
