Mortgage broker serving Yucaipa, 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 Yucaipa buyers, we match your unique situation to the right program.
Yucaipa buyers benefit from comparing multiple loan options to find the best fit.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Yucaipa 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 Yucaipa home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Yucaipa starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Yucaipa 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 Yucaipa 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 Yucaipa 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 Yucaipa buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Yucaipa. VA loans are the best deal for eligible veterans.
Nearly all Yucaipa homes qualify for conforming loans. Best rates available for qualified buyers.
Yucaipa buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Yucaipa buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Yucaipa areas. Check rural designation by address.
Bridge loans available for Yucaipa transitions. Finance new purchase before selling.
Entity purchase programs for Yucaipa. LLC financing for investment properties.
Yucaipa FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Yucaipa refinances qualify as conforming. Competitive rates with quick approval.
Yucaipa veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Yucaipa homeowners with equity. Access funds for any purpose.
Yucaipa owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Yucaipa homeowners. Lump sum with fixed monthly payments.
Yucaipa rental properties qualify with DSCR. No personal income verification needed.
Yucaipa renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Yucaipa commercial. Fast financing for competitive markets.
Apartment financing in Yucaipa. 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 Yucaipa buyers with qualifying income.
Yucaipa buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Yucaipa. City programs plus CalHFA can cover most down payment.
Grant programs for Yucaipa first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Yucaipa areas. Check rural designation by address.
Gift of equity for Yucaipa family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Yucaipa 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
Yucaipa sits in the San Bernardino foothills about 76 miles east of LA, population 54,428. Median household income is $85,075, and the homeownership rate hits 73.4%, one of the highest in the Inland Empire. At $573K median home price, you're paying more than Apple Valley or Victorville, but you're getting a small-town feel with actual seasons, proximity to Oak Glen's apple country, and a community where three out of four households own rather than rent. For a household pulling in $80-90K, you can still qualify here with a conventional loan if you've got decent credit and a solid down payment.
The school district is a big reason families plant roots here and don't leave. Yucaipa-Calimesa Joint Unified runs the show, and it's stable enough that you won't worry about your property value tanking because of district drama. Yucaipa High School serves the area, while Mesa View Middle and Park View Middle split the middle school crowd. Calimesa Elementary handles the younger kids. That 73.4% homeownership rate tells you most families are buying, not renting, which means your neighbors are invested in keeping the community solid. When you're looking at a 30-year mortgage, knowing the schools won't crater matters for resale down the line.
Chapman Heights and Dunlap Acres both hover around that $573K median, which means you're looking at conventional loans for most properties if you can swing the 10-20% down payment. The homes here tend to be single-family builds on decent-sized lots, not the cookie-cutter tract stuff you'll find in newer Inland Empire developments. You're getting foothill views, access to the Crafton Hills, and that small-town vibe where people actually know their neighbors. FHA loans can work if you're closer to the entry price point, but most buyers in Yucaipa are coming in with conventional financing because the income levels support it. The neighborhoods are established, not brand new, which means you're not gambling on whether the area will develop properly.
The commute to LA runs about 76 minutes on a decent day, which is why Yucaipa stays more affordable than Orange County or coastal markets. You're looking at I-10 west if you're heading to LA or the broader metro area. Real talk, if you're commuting daily to LA, that drive will wear on you. But if you work in Redlands, San Bernardino, or anywhere in the Inland Empire, you're golden. Local transit exists but most people drive because this isn't a walkable urban grid. The trade-off is clear: you get a real yard and mountain access instead of a $900K condo in Riverside. Your mortgage payment stays manageable because you're willing to drive a bit.
Yucaipa-Calimesa Joint Unified School District is the big employer here, which gives the area public sector stability. Stater Bros. Markets has a regional presence and that grocery chain isn't going anywhere, so there's private sector work too. City of Yucaipa and San Bernardino County government services round out the employment base. The job mix is education, retail, local government, and healthcare. Most buyers here either work locally or commute into Redlands, San Bernardino, or Riverside. The median household income of $85K means buyers can actually afford the $573K median home price without stretching into risky loan territory. You're not seeing the same squeeze you get in markets where prices have completely disconnected from local wages.
Common questions from Yucaipa 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 Yucaipa 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 Yucaipa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yucaipa buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Yucaipa 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 Yucaipa 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 Yucaipa families purchase with minimal upfront cash.
2026 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Yucaipa properties fall within conforming limits, maximizing your financing options.
For Yucaipa'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 Yucaipa. 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 Yucaipa. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Yucaipa. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yucaipa 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 Yucaipa: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yucaipa buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Yucaipa. 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 San Bernardino County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Yucaipa 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 Yucaipa 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 San Bernardino County limits: FHA $690,000, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Yucaipa properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Yucaipa 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 Yucaipa 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 Yucaipa families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Yucaipa. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in San Bernardino County, and structure your purchase to minimize upfront costs.
You still have options in Yucaipa. 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 Yucaipa'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 Yucaipa is $690,000 for 2025. This covers most homes in the area since the median price is around $573,000, 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 Yucaipa homes since the median price is $573,000 and conforming loan limits go up to $833,000 in San Bernardino County. Only homes priced above $833,000 would require a jumbo loan, which is uncommon in this affordable market.
For 2025, San Bernardino County loan limits are $690,000 for FHA loans and $833,000 for both conventional conforming and VA loans. These limits are updated annually and typically announced in November for the following year, so 2026 limits will be released later this year.
Yes, VA loans work excellent in Yucaipa with a loan limit of $833,000, which covers virtually all homes in the area. If you're a veteran or active military, you can buy with $0 down and no PMI, making it one of the best options for qualified buyers in this market.
Our No Money Down program offers $0 down payment for qualified buyers in Yucaipa. You can also access CalHFA programs offering up to 3.5% assistance, San Bernardino County DPA grants, and often stack multiple programs together to cover your down payment and closing costs completely.
You can buy a Yucaipa home with as little as 3% down on a conventional loan (about $17,000 on a $573,000 home) or 3.5% with FHA (around $20,000). VA loans and our No Money Down program allow qualified buyers to purchase with $0 down, and down payment assistance can cover most or all of these costs.
You can qualify for an FHA loan in Yucaipa 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 more flexible and often approve scores in the 580. 620 range with strong compensating factors.
Look for a lender experienced with Yucaipa's market who offers multiple loan types including FHA, VA, and down payment assistance programs that are popular here. Compare rates and fees from at least three lenders, and choose one who responds quickly and can explain how to maximize programs for first. time buyers in this affordable market.
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