×

Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in California
  4. Fresno
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Fresno, CA

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.

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 Fresno

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

1

Alameda Mortgage Corporation

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.

View Profile
(559) 473-1888
Closed Now
8401 N Fresno St, Fresno, CA 93720
2

Precision Home Loans

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.

View Profile
(559) 214-1820
Closed Now
653 W Fallbrook Ave, Fresno, CA 93711
3

Planet Home Lending, LLC - Fresno

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.

View Profile
(559) 370-0524
Closed Now
1177 E Shaw Ave #116, Fresno, CA 93710
4

Kurt Goetz Team at NEXA Mortgage

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.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Closing Services Quoted per loan
View Profile
(559) 392-5009
Closed Now
8080 N Palm Ave Ste 205, Fresno, CA 93711
General Services
Home Lending
5

Mid Valley Financial

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.

View Profile
(559) 432-8221
Closed Now
7644 N Palm Ave, Fresno, CA 93711
Where they are 10 on the map Click a pin for the profile and directions
6

Daniel Conde Mortgage Broker/Lender at Western Pioneer Financial

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(559) 593-1380
Closed Now
1398 W Herndon Ave #205, Fresno, CA 93711
General Services
Home Loan Services
7

Eric Becerra, Mortgage Loan Officer

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
Personal Loans Quoted per loan
View Profile
(559) 389-5977
Open 00:00 - 23:59
759 W Alluvial Ave #101, Fresno, CA 93711
General Services
Loan Services
8

Franchesca Guerrero Mortgage Team at Western Pioneer Financial

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.

View Profile
(559) 412-9621
Closed Now
1398 W Herndon Ave #205, Fresno, CA 93711
9

Ernesto Padilla Home Loan Team-Mortgage Broker

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.

View Profile
(559) 618-2367
Closed Now
7541 N Remington Ave #103, Fresno, CA 93711
10

Gold Standard Mortgage-Antonio Gaytan

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.

Services & Prices
First-Time Home Buyer Loan Quoted per loan
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(559) 709-3967
Closed Now
6760 N West Ave #102, Fresno, CA 93711
General Services
Home Loan Services

Fresno Mortgage Statistics

Home-purchase lending in Fresno County and home costs in Fresno, CA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
7,460▼ 2%7,623 in 2024
Denial rate
12%CA 12%
Median home value
$374,800CA $734,700
Monthly cost with a mortgage
$1,981median · CA $2,946
Refinance loans made (Fresno County, 2025)
4,095 · 3,007 in 2024
Home-improvement loans made (2025)
1,155
Average home-purchase loan
$393,000 (CA $711,000)
Owners with a mortgage
66% · 34% of them spend 30%+ of income on housing
Median household income
$70,991 (CA $99,122)

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.

How this Fresno 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

10 questions
How does the mortgage affordability calculator work?
The calculator estimates the highest home price you can afford based on income, debts, down payment, and interest rate. It includes mortgage amount, monthly payment, PMI, and property tax.
What debt-to-income ratio do lenders use?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%. Some conventional loans may allow more with strong credit.
What is the minimum down payment for a home in Fresno, CA?
Minimum down payment is 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans can allow 0% down for eligible buyers.
How do interest rates affect my affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. The calculator uses a starting rate of 7.40%, but rates change weekly.
How do debts impact how much mortgage I can qualify for?
Monthly debt payments reduce the amount you can borrow. Lenders consider total debt payments, including the new mortgage, when determining affordability.
What is the property tax rate in California?
In California, property tax is about 0.69% of the home's value per year, 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, credit, and down payment, providing a more accurate borrowing limit. Pre-qualification is a preliminary estimate based on unverified information.
Do I need private mortgage insurance (PMI)?
If your down payment is under 20% on a conventional loan, PMI is required. The calculator estimates PMI at roughly 0.6% of the loan per year.
How accurate is the mortgage affordability estimate?
The estimate is a guideline. A pre-approval from a lender provides a more precise number, as they verify your financial details.
What role does a mortgage broker play?
A mortgage broker helps find loan options that fit your needs by comparing offers from various lenders, potentially saving you time and effort.

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