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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in California
  4. Beverly Hills
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Beverly Hills, CA

How much house can you afford in Beverly Hills? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Beverly Hills

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1
Cohen Financial Group - Mortgage Broker reviews

Cohen Financial Group - Mortgage Broker

4.9
82 reviews
Verified

Cohen Financial Group specializes in complex and high-value real estate financing, offering tailored jumbo, non-QM, and commercial loan programs. The team is known for clear communication, fast turnaround, and handling challenging loans with care, though some clients note the process can be intensive given the complexity involved.

Services & Prices
Homebuyer Financing N/A
Home Refinancing N/A
Commercial Financing N/A
Comparative Rate Analysis N/A
View Profile
(310) 777-5401
Closed Now
9665 Wilshire Blvd Suite 260, Beverly Hills, CA 90212, USA
Website Directions
General Services
Mortgage Services
2
American Mortgage Finance reviews

American Mortgage Finance

4.8
99 reviews

American Mortgage Finance is valued for clear communication and transparent handling of mortgage and refinance options, including HELOCs. The team works closely with clients to find competitive rates and guide them through the loan process. Some customers note frequent follow-up messages, but many appreciate the responsive service and smooth experience.

Services & Prices
Home Equity Line of Credit (HELOC) Quoted per loan
Refinance Loans Quoted per loan
Mortgage Loans Quoted per loan
Conventional Loan Quoted per loan
View Profile
(310) 779-7818
Open 8:00 AM - 7:00 PM
8671 Wilshire Blvd # 714, Beverly Hills, CA 90211, USA
Website Directions
General Services
Loan Services
3
Beverly Hills Financial Group reviews

Beverly Hills Financial Group

4
3 reviews

Beverly Hills Financial Group is a respected firm that specializes in financial planning, wealth management, and retirement solutions, which is evident in the overwhelmingly positive reviews. Clients frequently praise the group's expertise, individualized service, and commitment to maximizing assets. Reviewers are particularly impressed with the company's customer-centered method, which reduces… more...

Beverly Hills Financial Group is a respected firm that specializes in financial planning, wealth management, and retirement solutions, which is evident in the overwhelmingly positive reviews. Clients frequently praise the group's expertise, individualized service, and commitment to maximizing assets. Reviewers are particularly impressed with the company's customer-centered method, which reduces their worry and increases their confidence in their financial future. Moreover, the company's financial strategies have made it a top-ten company due to its transparency, superior communication, and dedication to clients, which helps them attain their financial goals and live a better life.

View Profile
(310) 721-7667
Closed Now
190 N Canon Dr #304, Beverly Hills, CA 90210, USA
Website Directions
Where they are 3 on the map Click a pin for the profile and directions

Beverly Hills Mortgage Statistics

Home-purchase lending in Los Angeles County and home costs in Beverly Hills, CA (latest HMDA and Census data)

Lenders made 42,509 home-purchase loans in Los Angeles County in 2025 (average about $923,000) and denied 6,267 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Beverly Hills, the median home is worth $2,000,001 and 58% of owners have a mortgage, paying a median $4,001 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
42,509▼ 1%43,093 in 2024
Denial rate
13%CA 12%
Median home value
$2,000,001CA $734,700
Monthly cost with a mortgage
$4,001median · CA $2,946
Refinance loans made (Los Angeles County, 2025)
42,471 · 30,893 in 2024
Home-improvement loans made (2025)
10,516
Average home-purchase loan
$923,000 (CA $711,000)
Owners with a mortgage
58% · 43% of them spend 30%+ of income on housing
Median household income
$132,977 (CA $99,122)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Los Angeles County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

How this Beverly Hills mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

California rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.69% of the home's value a year, the California average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work for Beverly Hills?
It estimates the highest home price you can afford using your income, debts, down payment, and interest rate. It includes mortgage, PMI, and property tax costs.
How accurate is a mortgage affordability calculator in California?
It's a general estimate. Pre-approval confirms the real number by verifying your income, debts, credit, and down payment.
What is the debt-to-income ratio for California mortgages?
Lenders typically cap housing costs at 31% of gross income and total debt at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a house in Beverly Hills?
First-time buyers can put down as little as 3% on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% for eligible buyers.
How does PMI affect my mortgage in Beverly Hills?
If you put less than 20% down, PMI is added, roughly 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, affecting affordability.
How do my debts affect my mortgage qualification in California?
Higher monthly debts reduce the mortgage amount you qualify for, as total debt payments are capped at 43% of gross income.
What are property taxes like in California?
Property tax is about 0.69% of a home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, providing a more accurate estimate. Pre-qualification is a preliminary assessment without verification.

General information, not financial advice — consult a qualified professional.