Mortgage broker serving Yucca Valley, 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 Yucca Valley buyers, we match your unique situation to the right program.
Yucca Valley'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 Yucca Valley 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 Yucca Valley home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Yucca Valley starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Yucca Valley 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 Yucca Valley 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 Yucca Valley 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 Yucca Valley buyers with limited savings. 3.5% down, flexible credit.
Military families get zero down in Yucca Valley. VA loans are the best deal for eligible veterans.
Nearly all Yucca Valley homes qualify for conforming loans. Best rates available for qualified buyers.
Yucca Valley buyers should check CalHFA. Zero-interest second loans cover down payment.
Self-employed Yucca Valley buyers can use bank statements. Deposits count when tax returns don't show full income.
USDA zero-down loans available for eligible Yucca Valley areas. Check rural designation by address.
Bridge loans available for Yucca Valley transitions. Finance new purchase before selling.
Entity purchase programs for Yucca Valley. LLC financing for investment properties.
Yucca Valley FHA homeowners use streamline refi. Fastest path to lower monthly payments.
Nearly all Yucca Valley refinances qualify as conforming. Competitive rates with quick approval.
Yucca Valley veteran homeowners use IRRRL. Easiest refinance option with no appraisal.
Cash-out refinance for Yucca Valley homeowners with equity. Access funds for any purpose.
Yucca Valley owners can add HELOC for equity access. Credit line for improvements or reserves.
Home equity loans for Yucca Valley homeowners. Lump sum with fixed monthly payments.
Yucca Valley rental properties qualify with DSCR. No personal income verification needed.
Yucca Valley renovation deals use fix-and-flip loans. Quick funding for rehab opportunities.
Hard money options for Yucca Valley commercial. Fast financing for competitive markets.
Apartment financing in Yucca Valley. 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 Yucca Valley buyers with qualifying income.
Yucca Valley buyers should check CalHFA. Zero-interest second loans cover down payment.
Local DPA strong in Yucca Valley. City programs plus CalHFA can cover most down payment.
Grant programs for Yucca Valley first-time buyers. Elite grants don't require repayment.
USDA zero-down loans available for eligible Yucca Valley areas. Check rural designation by address.
Gift of equity for Yucca Valley family transactions. Reduced price creates instant equity.
Non-occupant co-borrower helps Yucca Valley 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
Yucca Valley sits at the gateway to Joshua Tree National Park, about two hours east of LA in the high desert. Population is 21,700, median household income $54,153. The homeownership rate here is 65.6%, which tells you people are buying, not just passing through. At $457K median home price, you're paying more than you might expect for the desert, and that's entirely because of Joshua Tree. The park drives demand from artists, remote workers, and retirees who want that desert lifestyle, which keeps values stable even when you're this far from major job centers.
If you've got kids, you need to know what you're working with. Yucca Valley High School serves the area, along with La Contenta Middle School and Onaga Elementary School. The schools aren't going to wow you with top state rankings, but they're stable and the district is the largest employer in town, which means consistent funding and community investment. Families who buy here tend to be more focused on the outdoor lifestyle and space than chasing the highest test scores. When you're underwriting your mortgage, remember that resale here depends more on the Joshua Tree effect than school ratings. Buyers are often empty nesters, artists, or families who prioritize acreage and desert access over being in a top school district.
The market here doesn't break down into traditional subdivisions like you'd see in the suburbs. Old Town along Highway 62 is where you'll find the historic core with local businesses and services mixed in with residential properties, median around $457K. Joshua Lane area up in the northern part of town runs about the same price point. Here's the thing: most properties in Yucca Valley sit on larger lots, often an acre or more, which is the whole appeal. Conventional loans work fine if you've got decent credit and 5-10% down. FHA is common for first-timers who want in on the desert dream without a huge down payment. The lack of HOAs and the rural character mean your mortgage payment stays your main housing cost, no surprise fees eating into your budget.
The commute to LA is about 119 minutes on a good day, which is brutal if you're doing it daily. That distance is exactly why Yucca Valley hasn't hit $600K or $700K like closer-in desert towns. Highway 62 is your main artery through town and connects you to Twentynine Palms and the national park entrance. Local transit exists but let's be real, you need a car out here. Most buyers are remote workers, retirees, or people with flexible schedules who don't need to commute five days a week. If you're financing a home here, make sure your job situation supports that reality, because you won't be popping into an LA office easily.
Morongo Unified School District is the biggest employer, followed by Hi-Desert Medical Center and the Town of Yucca Valley itself. Retail and hospitality businesses tied to Joshua Tree tourism round out the local economy. Real talk: you're not moving here for a robust job market. The median household income of $54K reflects that local wages are modest. Most people buying at $457K either have remote income, retirement savings, or they're commuting to better-paying jobs elsewhere. When you're talking to a lender, they'll want to see stable income that can handle that mortgage on a high desert salary, or proof that your remote work or retirement income is solid. The economy here is steady but not growing fast, which keeps prices from spiking but also means you're not betting on rapid appreciation.
Common questions from Yucca Valley 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 Yucca Valley 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 Yucca Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yucca Valley buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Yucca Valley 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 Yucca Valley 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 Yucca Valley 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 Yucca Valley properties fall within conforming limits, maximizing your financing options.
For Yucca Valley'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 Yucca Valley. 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 Yucca Valley. 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 Yucca Valley. 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 Yucca Valley 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 Yucca Valley: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Yucca Valley buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Yucca Valley. 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 Yucca Valley 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 Yucca Valley 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 Yucca Valley properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Yucca Valley 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 Yucca Valley 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 Yucca Valley families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Yucca Valley. 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 Yucca Valley. 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 Yucca Valley'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 Yucca Valley is $690,000 for 2025. This limit is more than enough for most homes in the area, where the median price is around $457,000. FHA loans are extremely popular here since they allow down payments as low as 3.5% and accept credit scores starting at 580.
You won't need a jumbo loan in Yucca Valley for most purchases. With homes typically priced between $450,000 and $600,000 and conforming loan limits at $833,000, nearly all properties qualify for conventional, FHA, or VA financing. Jumbo loans would only be necessary for luxury properties exceeding $833,000, which are rare in this market.
For 2025, San Bernardino County loan limits are $833,000 for conforming and VA loans, and $690,000 for FHA loans. These limits typically adjust annually based on home price trends, so 2026 limits will be announced in late 2025. Given Yucca Valley's affordable market with a median price of $457,000, current limits provide plenty of room for most buyers.
Yes, VA loans are an excellent option in Yucca Valley with a loan limit of $833,000 and no down payment required for eligible veterans and service members. This is ideal for the local market where median home prices are around $457,000. VA loans don't require mortgage insurance and often offer the lowest interest rates available.
Our No Money Down program offers $0 down payment for qualified buyers in Yucca Valley. You can also access CalHFA programs that provide up to 3.5% assistance, and San Bernardino County offers additional DPA programs that can often be stacked together. These programs are particularly valuable here where the median income is $54,153 and home prices average $457,000.
You can buy a home in Yucca Valley with as little as 0% down using VA or USDA loans, or 3.5% down with FHA financing. On the median. priced home of $457,000, that's just $15,995 with FHA. Conventional 97 loans require only 3% down, and with down payment assistance programs, many first. time buyers can purchase with little to no money down.
You can qualify for an FHA loan in Yucca Valley with a credit score as low as 580, which is perfect for credit rebuilders and first. time buyers common in this market. Conventional loans typically require a 620 minimum, while VA loans can sometimes go lower. With the median home price at $457,000, improving your score even slightly can save you thousands in interest over the loan term.
Look for a lender experienced with Yucca Valley's affordable market who understands FHA, VA, and down payment assistance programs popular with first. time buyers here. They should clearly explain how to maximize DPA options and help you navigate the $450,000 to $600,000 price range effectively. Compare rates, fees, and responsiveness, and choose someone who'll guide you through credit improvement if needed since many buyers in this area are building their financial foundation.
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