Since 1991, Urban First Funding Corporation (Corporate CA DRE #01123224 | Corporate NMLS #286137) has helped families, military and aerospace households, self-employed business owners, and local real estate investors purchase and refinance homes across Lancaster, Palmdale, Quartz Hill, Rosamond, Acton, Agua Dulce, Tehachapi, and the greater Antelope Valley.
From our Lancaster office at 1055 W Avenue M, Suite 104, Lancaster, CA 93534, Designated Broker/Officer Maria G. Grajeda (CA DRE #01230233 | NMLS #291710) and Owner Isaac Grajeda (NMLS #2454758 | CA DRE #02225320) combine local neighborhood knowledge with wholesale mortgage brokerage options tailored to Antelope Valley buyers.
Core Home Loan & Investor Programs for the Antelope Valley
| Loan Program | Who It Serves in the Antelope Valley | Key Program Highlights |
|---|---|---|
| FHA Home Purchase & Streamline Refinance Loans | First-time and repeat buyers in West Lancaster, East Palmdale, Quartz Hill, and Rosamond. | Flexible credit and debt-to-income underwriting, gift fund flexibility, and 1-to-4 unit primary residence eligibility. |
| VA Home Loans (Edwards AFB & Plant 42) | Active-duty military, veterans, National Guard/Reserve members, and eligible surviving spouses. | Zero down payment option for eligible veterans with full entitlement, no monthly private mortgage insurance, and VA IRRRL refinance options. |
| California Down Payment Assistance (CalHFA & DPA) | First-time homebuyers who have steady income to cover monthly payments but want help with initial cash to close. | Pairs a first mortgage with subordinate silent-second assistance for down payment and closing costs (subject to program income and credit limits). |
| Conventional & High-Balance Home Loans | Move-up families, aerospace engineers, healthcare professionals, and commuters along the Highway 14 corridor. | Competitive conventional pricing for single-family homes, townhomes, PUDs, and multi-generational properties. |
| Self-Employed Bank Statement, DSCR & Fix-and-Flip Loans | Local contractors, business owners, and real estate investors acquiring rentals or value-add rehabs. | 12 and 24-month bank statement underwriting, rental cash-flow DSCR loans, and short-term bridge / fix-and-flip financing. |
Neighborhood-by-Neighborhood Antelope Valley Underwriting Insights
Every pocket of the Antelope Valley has distinct property characteristics that affect appraisals, property taxes, and loan underwriting:
- West Lancaster & Quartz Hill (93536): Known for larger lots, custom and semi-custom homes, accessory structures, and established school districts. When properties include detached workshops, guest houses, or ADUs, we work proactively to ensure permits and appraisal comparables are properly documented.
- West Palmdale, Rancho Vista & Anaverde (93551): Master-planned communities in Rancho Vista and Anaverde frequently carry HOA dues and Community Facilities District (CFD / Mello-Roos) special tax assessments. We pull the exact Los Angeles County parcel tax bill upfront so your pre-approval reflects the true monthly tax obligation.
- East Lancaster (93535) & East Palmdale (93550 / 93552): Strong activity for first-time buyers utilizing FHA, VA, and Down Payment Assistance programs, as well as local investors acquiring single-family rentals and small 2-to-4 unit properties.
- Rosamond & Southern Kern County (93560): Popular with personnel stationed at or working near Edwards Air Force Base. Because Rosamond sits across the Kern County line, property tax rates and county DPA rules differ from Los Angeles County parcels just a few miles south.
Step-by-Step Antelope Valley Homebuying Checklist
- Step 1: Local Pre-Approval Audit: Meet with our Lancaster team by phone or in person at 1055 W Avenue M, Suite 104 to review income, credit, and cash-to-close options across FHA, VA, Conventional, and DPA programs.
- Step 2: Parcel-Specific Payment Verification: Before you submit an offer, send us the property address so we can verify exact Los Angeles County or Kern County property taxes, special assessments, and HOA fees.
- Step 3: Fast Underwriting & Local Agent Communication: In competitive Antelope Valley price brackets, listing agents want to know your lender picks up the phone locally and closes on schedule.
Additional California Homebuyer & Investor Educational Resources
- 6 Questions High-Income W-2 Earners Should Ask Their CPA Before Buying a California Rental Property
- Short-Term Rental Financing in California Guide
- California Home Buying Power & Refinance Breakeven Calculator Guide
- Upcoming Live Online Class: California First-Time Homebuyer Blueprint (Tuesday, Dec 1, 2026 at 6:00 PM PT)
Frequently Asked Questions
What mortgage programs does Urban First Funding Corporation offer in Lancaster and Palmdale?
Founded in 1991 and located at 1055 W Avenue M, Suite 104, Lancaster, CA 93534, Urban First Funding Corporation (Corporate CA DRE #01123224, NMLS #286137) offers FHA, VA, Conventional, CalHFA and local Down Payment Assistance (DPA), USDA rural-eligible, Non-QM Bank Statement, DSCR rental, and Fix-and-Flip loans across the Antelope Valley and California.
How do VA home loans work for military families and aerospace personnel near Edwards AFB and Air Force Plant 42?
Eligible active-duty service members, veterans, and surviving spouses with valid Certificate of Eligibility (COE) entitlement can purchase a primary residence in Lancaster, Palmdale, Quartz Hill, or Rosamond with zero down payment required and no monthly private mortgage insurance.
What Down Payment Assistance (DPA) programs are available for Antelope Valley first-time homebuyers?
Eligible first-time and moderate-income buyers in northern Los Angeles County and eastern Kern County can pair an FHA or Conventional first mortgage with subordinate assistance programs (such as CalHFA MyHome Assistance or local county programs) to help cover down payment and closing costs, subject to income, credit, and homebuyer education requirements.
Who leads Urban First Funding Corporation in Lancaster?
Urban First Funding Corporation is a family-owned California mortgage brokerage founded in 1991. Maria G. Grajeda serves as Designated Broker/Officer (CA DRE #01230233 | NMLS #291710) and Isaac Grajeda serves as Owner and Mortgage Originator (NMLS #2454758 | CA DRE #02225320). Call our Lancaster office at (661) 729-2900.