How much house can you afford in Fresno? 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 |
|---|
Alameda Mortgage Corporation
5.0 · 921 reviews · Free pre-approval
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Precision Home Loans
5.0 · 577 reviews · Free pre-approval
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Planet Home Lending, LLC - Fresno
4.9 · 402 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 →
Known for dependable and efficient mortgage lending, Alameda Mortgage Corporation handles each transaction with clear communication and careful attention to detail. The team works smoothly to keep the process on schedule, making it easier for both clients and agents. Customers appreciate their reliability and problem-solving approach throughout the loan process.
Known for a fast pre-qualification process and a secure online portal, Precision Home Loans offers a variety of mortgage options including fixed-rate, FHA, USDA, and VA loans. Clients appreciate the team’s clear communication and thorough guidance, which helps make the lending process smooth and less stressful.
Planet Home Lending focuses on providing a range of mortgage options, including FHA, VA, USDA, and renovation loans, with digital tools that let clients track their loan progress anytime. The team aims to offer clear guidance and support throughout the home-buying or refinancing process, though some customers have reported challenges with communication and account management.
With over 17 years of experience, the Kurt Goetz Team at NEXA Mortgage offers personalized mortgage solutions for home purchases and refinancing. They provide a variety of loan options and tools, while clients appreciate their clear communication, patience, and smooth process that helps reduce stress throughout the loan journey.
Mid Valley Financial focuses on finding loan solutions tailored to each client’s unique needs, especially when conventional options fall short. The team offers mortgage brokerage services with clear communication and responsiveness throughout the process. Customers appreciate their professionalism and helpful guidance, though some find the process can be detailed.
Western Pioneer Financial focuses on personalized mortgage solutions, offering a variety of loan options from FHA to jumbo loans. The team guides clients through complex decisions with clear explanations and useful tools, helping to reduce stress during the home-buying process. Customers appreciate the responsive communication and transparent approach, though some find the information detailed.
Known for clear communication and keeping clients updated throughout the process, this team offers mortgage loan services focused on guiding first-time homebuyers and others through each step. Customers appreciate their efficiency and willingness to explain loan details, though some note the process can require patience.
The Franchesca Guerrero Mortgage Team at Western Pioneer Financial specializes in guiding clients through complex home financing challenges with patience and clear communication. They assist with credit repair, lender selection, and paperwork management, often staying accessible beyond regular hours. Customers appreciate their responsiveness and personalized support, especially during complicated… more...
The Franchesca Guerrero Mortgage Team at Western Pioneer Financial specializes in guiding clients through complex home financing challenges with patience and clear communication. They assist with credit repair, lender selection, and paperwork management, often staying accessible beyond regular hours. Customers appreciate their responsiveness and personalized support, especially during complicated transactions.
Known for clear communication and transparency, Ernesto Padilla Home Loan Team specializes in home purchase loans, refinancing, and home equity lines of credit. The team guides clients through each step, making the process straightforward and efficient. Customers appreciate their consistent support, though some note the pace can vary depending on loan specifics.
Gold Standard Mortgage-Antonio Gaytan specializes in guiding clients through a variety of loan options, including FHA, VA, USDA, Conventional, Refinance, and Construction Loans. The team is known for clear communication and steady support, helping borrowers navigate challenges with patience and professionalism. Customers appreciate the personalized attention and consistent updates throughout the… more...
Gold Standard Mortgage-Antonio Gaytan specializes in guiding clients through a variety of loan options, including FHA, VA, USDA, Conventional, Refinance, and Construction Loans. The team is known for clear communication and steady support, helping borrowers navigate challenges with patience and professionalism. Customers appreciate the personalized attention and consistent updates throughout the mortgage process.
Lenders made 7,460 home-purchase loans in Fresno County in 2025 (average about $393,000) and denied 970 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Fresno, the median home is worth $374,800 and 66% of owners have a mortgage, paying a median $1,981 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Fresno 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 | Alameda Mortgage Corporation | 5.0 | 921 | — | (559) 473-1888 | Visit |
| 2 | Precision Home Loans | 5.0 | 577 | — | (559) 214-1820 | Visit |
| 3 | Planet Home Lending, LLC - Fresno | 4.9 | 402 | — | (559) 370-0524 | Visit |
| 4 | Kurt Goetz Team at NEXA Mortgage | 5.0 | 132 | Quoted per loan | (559) 392-5009 | Visit |
| 5 | Mid Valley Financial | 5.0 | 108 | — | (559) 432-8221 | Visit |
| 6 | Daniel Conde Mortgage Broker/Lender at Western Pioneer Financial | 5.0 | 103 | Quoted per loan | (559) 593-1380 | Visit |
| 7 | Eric Becerra, Mortgage Loan Officer | 5.0 | 96 | Quoted per loan | (559) 389-5977 | Visit |
| 8 | Franchesca Guerrero Mortgage Team at Western Pioneer Financial | 5.0 | 89 | — | (559) 412-9621 | Visit |
| 9 | Ernesto Padilla Home Loan Team-Mortgage Broker | 5.0 | 80 | — | (559) 618-2367 | Visit |
| 10 | Gold Standard Mortgage-Antonio Gaytan | 5.0 | 60 | Quoted per loan | (559) 709-3967 | Visit |
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.