Mortgage broker serving Yuba City, 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 Yuba City buyers, we match your unique situation to the right program.
Yuba City's market offers opportunity for buyers who understand their financing options.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Yuba City 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 Yuba City home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Yuba City starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Yuba City 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 Yuba City 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 Yuba City 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 Yuba City buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Yuba City. VA loans are the best deal for eligible veterans.
Nearly all Yuba City homes qualify for conforming loans. Best rates available for qualified buyers.
Yuba City buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Yuba City buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Yuba City areas. Check rural designation by address.
Bridge loans available for Yuba City transitions. Finance new purchase before selling.
Entity purchase programs for Yuba City. LLC financing for investment properties.
Yuba City FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Yuba City refinances qualify as conforming. Competitive rates with quick approval.
Yuba City veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Yuba City homeowners with equity. Access funds for any purpose.
Yuba City owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Yuba City homeowners. Lump sum with fixed monthly payments.
Yuba City rental properties qualify with DSCR. No personal income verification needed.
Yuba City renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Yuba City commercial. Fast financing for competitive markets.
Apartment financing in Yuba City. 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 Yuba City buyers with qualifying income.
Yuba City buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Yuba City. City programs plus CalHFA can cover most down payment.
Grant programs for Yuba City first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Yuba City areas. Check rural designation by address.
Gift of equity for Yuba City family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Yuba City 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
Yuba City sits in the [Sacramento](/mortgage-loans-and-refinance-in-sacramento-ca) Valley about 40 miles north of Sacramento. Population is 69,535, median household income $70,412. The homeownership rate here is 56.3%, which tracks with California's tighter markets. At $450K median home price, you're looking at a spot where agricultural roots meet suburban growth, and where a household pulling in $70K can still potentially qualify for a mortgage if they've got decent credit and down payment saved up.
If you're buying with kids in mind, the school picture matters for both daily life and resale value down the line. Yuba City High and River Valley High serve the area, and Tierra Buena Elementary handles the younger grades. The district has been stable, which counts when you're thinking about whether your property value will hold or climb over a 10-year stretch. That 56.3% ownership rate tells you a decent chunk of your neighbors are renting, so you'll see more turnover than in some markets. But the families who do buy here tend to stick around, especially in the east side neighborhoods where the schools feed consistently.
Here's the thing about Yuba City: the neighborhoods don't show wild price swings like you'd see in bigger metro areas. Downtown Yuba City runs around $450K, historic center with local businesses and civic buildings, walkable if that matters to you. Conventional loans work fine here if you've got 10-20% down. East Yuba City also hits that $450K median, more residential and spread out, mostly single-family homes on standard lots. FHA loans are common in both areas for first-time buyers who can manage 3.5% down. The price consistency across neighborhoods means you're choosing based on lifestyle and commute, not trying to stretch into a better zip code.
The commute to Sacramento runs about 40-50 minutes depending on where you work in the city, which is why Yuba City stays more affordable than [Roseville](/mortgage-loans-and-refinance-in-roseville-ca) or [Folsom](/mortgage-loans-and-refinance-in-folsom-ca). [San Francisco](/mortgage-loans-and-refinance-in-san-francisco-ca) is 126 minutes on a good day, so that's not a daily commute unless you've got a serious reason. Local transit exists but most people drive. If you work in Sacramento or locally, you're getting a mortgage payment that won't crush you while staying within reach of the capital region job market. If you're trying to commute to the Bay Area regularly, you'll burn out fast and wonder why you didn't just rent closer.
Sutter County and Yuba City Unified School District are the big public sector employers, which gives the area steady paycheck jobs with benefits. Adventist Health and Rideout anchor the healthcare side, and Sunsweet Growers represents the agricultural processing that still drives a lot of the local economy. The job mix is public sector heavy, which means stable but not high-paying for most positions. Most buyers here either work locally in education, healthcare, or ag-related industries, or they commute south to Sacramento for better wages. That $70K median income reflects the mix: enough to qualify for a mortgage at $450K if you manage your debt ratios, but you won't have tons of cushion.
Common questions from Yuba City 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 Yuba City 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 Yuba City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yuba City buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Yuba City 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 Yuba City 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 Yuba City families purchase with minimal upfront cash.
2026 Sutter County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Yuba City properties fall within conforming limits, maximizing your financing options.
For Yuba City'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 Yuba City. 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 Yuba City. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sutter County, and structure your purchase to minimize upfront costs.
You still have options in Yuba City. 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 Sutter County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yuba City 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 Yuba City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yuba City buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Yuba City. 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 Sutter County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yuba City 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 Yuba City 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 Sutter County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Yuba City properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Yuba City 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 Yuba City 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 Yuba City families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Yuba City. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Sutter County, and structure your purchase to minimize upfront costs.
You still have options in Yuba City. 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 Yuba City'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 Yuba City is $541,000 for 2025. This covers most homes in the area since the median price is around $450,000, making FHA loans an excellent option for first. time buyers and those with smaller down payments.
You won't need a jumbo loan in Yuba City for most home purchases. With conforming and VA loan limits at $833,000 and typical homes priced between $450,000 and $600,000, you'll qualify for standard loan programs with better rates and terms.
For 2025, Sutter County loan limits are $541,000 for FHA loans and $833,000 for both conventional conforming and VA loans. The 2026 limits typically get announced in November 2025, though they often remain stable in affordable markets like Yuba City.
Yes, VA loans work exceptionally well in Yuba City with a generous $833,000 loan limit that covers all local homes. Veterans and active military can buy with $0 down, no PMI, and competitive rates, making homeownership very accessible in this affordable market.
Our No Money Down program offers $0 down payment for qualified buyers, which is ideal for Yuba City's affordable market. You can also access CalHFA programs offering 3.5% down payment assistance and closing cost help, and these programs can often be stacked with county assistance for first. time buyers.
You can buy a Yuba City home with as little as 3% down on a conventional loan (about $13,500 on a $450,000 home) or 3.5% with FHA (around $15,750). VA buyers and those using our No Money Down program can purchase with $0 down, making homeownership very achievable.
You can qualify for an FHA loan in Yuba City with a credit score as low as 580, or even 500 with 10% down. Conventional loans typically require 620 or higher, while VA loans are often approved with scores around 580, making Yuba City accessible even if you're rebuilding credit.
Look for a lender experienced with Yuba City's market who offers multiple loan types including FHA, VA, and down payment assistance programs. The best lender will understand local home prices, help you access stacking DPA options, and guide first. time buyers through the process with clear communication and competitive rates.
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