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Review Keywords Analysis

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

How much house can you afford in Chula Vista? 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 Chula Vista

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

1

Andre Enriques Mortgage Banker - VA Loan Expert

Specializing in VA loans with over 25 years of experience, this mortgage banker focuses on helping veterans secure $0 down, government-insured home loans. The team offers a broad range of mortgage options and is known for clear communication and fast pre-approvals, though some clients note occasional after-hours availability is needed.

Services & Prices
Home Purchase Loans Quoted per loan
Comparative Market Analysis Quoted per loan
Rate Lock Assessment Quoted per loan
Loan Terms Evaluation Quoted per loan
View Profile
(619) 208-6499
Closed Now
891 Kuhn Dr #204, Chula Vista, CA 91914
General Services
Mortgage Broker Services
2

Rocket Mortgage Chula Vista

With over 28 years of industry experience and licensing in California and Nevada, Rocket Mortgage offers personalized guidance for homebuyers and those refinancing. The team supports clients through a streamlined online application process, and customers often note clear communication and efficient closings, though some find the pace fast-paced.

View Profile
(619) 678-2121
Closed Now
3450 Bonita Rd Suite 108, Chula Vista, CA 91910
3

The Alfonso Delgadillo Lending Team

Known for a highly organized and efficient loan process, The Alfonso Delgadillo Lending Team offers a range of mortgage services designed to simplify home financing. Clients appreciate their clear communication, proactive updates, and respect for deadlines, which help reduce stress throughout buying or refinancing. The team is praised for professionalism and attentiveness, creating confidence at… more...

Known for a highly organized and efficient loan process, The Alfonso Delgadillo Lending Team offers a range of mortgage services designed to simplify home financing. Clients appreciate their clear communication, proactive updates, and respect for deadlines, which help reduce stress throughout buying or refinancing. The team is praised for professionalism and attentiveness, creating confidence at every step.

View Profile
(619) 869-4053
Closed Now
1061 Tierra Del Rey Ste 302, Chula Vista, CA 91910
4

Kithia De Anda- Finest City Homes & Loans

Finest City Homes & Loans offers personalized mortgage solutions with a focus on transparency and client support throughout the loan process. The team assists with new home loans and refinancing, guiding clients through each step to keep things smooth and clear. Customers appreciate their responsiveness and thorough communication during what can be a complex process.

Services & Prices
Pre-Qualification Quoted per loan
Loan Application Quoted per loan
View Profile
(619) 674-9749
Closed Now
231 Third Ave Ste d, Chula Vista, CA 91910
General Services
Home Refinancing
5

Mortgage Experts

Mortgage Experts specializes in guiding clients through home loans with clear communication and attentive support. Their team handles various mortgage options, including VA loans, and is known for making the process smooth and straightforward. Customers appreciate their responsiveness and thorough explanations, though some note the experience can feel detailed.

Services & Prices
Conventional Loans Quoted per loan
VA Loans Quoted per loan
FHA Loans Quoted per loan
Credit Analysis Quoted per loan
View Profile
(619) 626-1970
Closed Now
637 Third Ave Suite D, Chula Vista, CA 91910
General Services
Home Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

David Matranga - Mortgage By Matranga

Known for a consultative approach and access to a broad network of lenders, Mortgage By Matranga helps clients find mortgage options that fit their unique financial situations. The team offers a variety of loan programs, including FHA and purchase loans, guiding customers through a straightforward application process. Clients appreciate the attentive support and clear communication throughout the… more...

Known for a consultative approach and access to a broad network of lenders, Mortgage By Matranga helps clients find mortgage options that fit their unique financial situations. The team offers a variety of loan programs, including FHA and purchase loans, guiding customers through a straightforward application process. Clients appreciate the attentive support and clear communication throughout the home financing journey.

View Profile
(619) 560-2255
Closed Now
690 Otay Lakes Rd #230, Chula Vista, CA 91910
7

All In Lending

All In Lending specializes in guiding first-time homebuyers, including those relocating from other states, through the mortgage process. They offer mortgage brokerage services and work closely with agents to navigate complex paperwork. While some clients find the process lengthy and occasionally encounter issues with closing documents, the team’s support is often appreciated.

View Profile
(619) 770-3380
Closed Now
2434 Fenton St Ste 300, Chula Vista, CA 91914
8

The LoanFather - Steven Tavera,

Specializing exclusively in mortgages, The LoanFather - Steven Tavera helps clients navigate home financing by comparing multiple lenders to find competitive rates. The team offers a variety of loan options and uses technology to simplify the process, with clients often noting clear communication and personalized support throughout their homebuying journey.

Services & Prices
Pre-Approval Process Quoted per loan
Loan Closing Assistance Quoted per loan
HELOC Guidelines Advisory Quoted per loan
View Profile
(619) 632-2190
Open 00:00 - 23:59
2434 Fenton St Ste 300, Chula Vista, CA 91914
General Services
Mortgage Services
9

Eric Mitchell - Financing Geek

Discount AI Inc. specializes in empowering clients to originate their own mortgages with a wide range of loan options, including VA, USDA, jumbo, conventional, Non-QM, and bridge loans. The team offers clear guidance throughout the process, with clients appreciating their responsiveness and ability to navigate complex financing needs, though some note occasional communication challenges.

Services & Prices
Rate Comparison and Advice Quoted per loan
Closing Cost Analysis Quoted per loan
Investment Property Financing Quoted per loan
First-Time Homebuyer Programs Quoted per loan
View Profile
(888) 696-1344
Open 6:00 AM - 10:00 PM
333 H St Ste 5000, Chula Vista, CA 91910
General Services
Mortgage Services
10

Brandon Martinez 24/7

Brandon Martinez 24/7 offers around-the-clock availability, making it easy to get support whenever needed. The team specializes in a variety of home loans, including VA loans, and keeps clients informed throughout the process. Customers appreciate their professionalism and clear communication, which helps reduce the stress of buying a home.

View Profile
(619) 609-3517
Open 00:00 - 23:59
2536 Catamaran Way, Chula Vista, CA 91914

Chula Vista Mortgage Statistics

Home-purchase lending in San Diego County and home costs in Chula Vista, CA (latest HMDA and Census data)

Lenders made 21,384 home-purchase loans in San Diego County in 2025 (average about $816,000) and denied 2,882 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Chula Vista, the median home is worth $758,700 and 72% of owners have a mortgage, paying a median $3,090 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
21,384▼ 3%21,968 in 2024
Denial rate
12%CA 12%
Median home value
$758,700CA $734,700
Monthly cost with a mortgage
$3,090median · CA $2,946
Refinance loans made (San Diego County, 2025)
20,234 · 13,920 in 2024
Home-improvement loans made (2025)
5,986
Average home-purchase loan
$816,000 (CA $711,000)
Owners with a mortgage
72% · 41% of them spend 30%+ of income on housing
Median household income
$108,032 (CA $99,122)

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

Chula Vista Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Andre Enriques Mortgage Banker - VA Loan Expert 5.0 221 Quoted per loan (619) 208-6499 Visit
2 Rocket Mortgage Chula Vista 5.0 191 — (619) 678-2121 Visit
3 The Alfonso Delgadillo Lending Team 4.9 160 — (619) 869-4053 Visit
4 Kithia De Anda- Finest City Homes & Loans 5.0 146 Quoted per loan (619) 674-9749 Visit
5 Mortgage Experts 5.0 108 Quoted per loan (619) 626-1970 Visit
6 David Matranga - Mortgage By Matranga 5.0 75 — (619) 560-2255 Visit
7 All In Lending 4.9 74 — (619) 770-3380 Visit
8 The LoanFather - Steven Tavera, 5.0 43 Quoted per loan (619) 632-2190 Visit
9 Eric Mitchell - Financing Geek 4.8 20 Quoted per loan (888) 696-1344 Visit
10 Brandon Martinez 24/7 5.0 11 — (619) 609-3517 —

How this Chula Vista 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 in Chula Vista?
It uses your income, debts, down payment, interest rate, and first-time buyer status to estimate the maximum home price you can afford.
What is the minimum down payment for a house in California?
The minimum down payment is 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How accurate is the mortgage affordability estimate?
It's a general estimate. Pre-approval from a lender is needed for a confirmed amount, as they verify income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in California?
Lenders usually cap housing costs at 31% of gross monthly income and total debt payments at 43%, though some loans allow more with strong credit.
How does PMI affect my mortgage in Chula Vista?
With under 20% down, conventional loans add PMI, about 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 mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts with a 7.40% rate, but rates change weekly.
What are property taxes like in California?
Property tax in California is about 0.69% of the 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 a lender verifying your financial details for a specific loan amount, while pre-qualification is a preliminary estimate without verification.
How do debts affect how much mortgage I can qualify for?
Existing debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of your gross monthly income.

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