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.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Andre Enriques Mortgage Banker - VA Loan Expert
5.0 · 221 reviews · Free pre-approval
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Rocket Mortgage Chula Vista
5.0 · 191 reviews · Free pre-approval
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The Alfonso Delgadillo Lending Team
4.9 · 160 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 | — |
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.
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.
General information, not financial advice — consult a qualified professional.