Is Riverside affordable for first-time buyers?

Compared to coastal California, yes. With FHA's 3.5% down payment on a $600K home, you're looking at roughly $21K down, far more attainable than LA or OC. Combined with California assistance programs, many Riverside buyers can get into a home with limited savings.

What loan types are most popular in Riverside?

FHA and conventional loans dominate the Riverside market. VA loans are also popular given the proximity to March Air Reserve Base. For buyers with 10–20% down, conventional typically outperforms FHA on long-term cost.

Are there good refinance opportunities in Riverside?

It depends on your rate and equity position. Riverside homeowners who purchased 3–5 years ago may have significant equity to tap via cash-out refinance. Dan will run the numbers and give you an honest assessment.

Dan Ardis | NMLS #1412272

Mortgage Broker in Riverside, CA

Name: Dan Ardis
Address: Bakersfield, CA, 93314, US
Telephone: (661) 342-9381
Price range: $$$
Rating: 5

Serving Riverside and the broader Inland Empire with mortgage programs built for real buyers, competitive rates, flexible programs, and a broker who actually answers your calls.

Apply Now for Free (661) 342-9381

The Riverside Housing Market

Riverside is the Inland Empire's largest city and a hub for buyers priced out of Los Angeles and Orange County. Median home prices range from $550K to $750K, making Riverside one of Southern California's most accessible markets. The city's economy is anchored by UC Riverside, healthcare, and distribution/logistics. A strong first-time buyer market and continued population growth from coastal transplants keep demand steady. The Inland Empire continues to see some of California's strongest appreciation outside of the Bay Area.

Why Choose Dan Ardis for Your Riverside Mortgage?

Riverside's price range puts it squarely in FHA and conventional loan territory, and Dan knows both programs inside and out. He works with buyers at all stages, from those with 3.5% down using FHA to move-up buyers refinancing into a larger home. His wholesale lender access means he's not limited to one bank's rates or guidelines, which gives Riverside buyers a real edge when rates are tight.

Loan Programs in Riverside

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Mortgage FAQs for Riverside

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Ready to Buy in Riverside?

Apply online or call Dan at (661) 342-9381 for a free consultation. Licensed to lend in California.

Apply Now (661) 342-9381