How much house can you afford in Fullerton? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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.
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| After | Paid in total | Still owed |
|---|
Menconi and Associates
5.0 · 141 reviews · Free pre-approval
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Giving Tree Lending
4.9 · 95 reviews · Free pre-approval
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Diane Luongo Gazich - C2 Financial Corporation
4.9 · 93 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 →
Menconi and Associates specializes in guiding homebuyers through the mortgage process with clear communication and personalized attention. The team helps clients secure competitive rates by shopping multiple lenders and stays responsive throughout, coordinating with all parties involved. While the process can have typical hiccups, their calm and thorough approach helps keep things on track.
Giving Tree Lending specializes in VA, FHA, and Conventional financing, with a strong focus on fast-approval hard money loans for real estate investors. Their services cover refinancing, home purchases, and investment property loans, supported by a knowledgeable team praised for clear communication and responsiveness. Some clients note their thoroughness can make the process feel detailed but… more...
Giving Tree Lending specializes in VA, FHA, and Conventional financing, with a strong focus on fast-approval hard money loans for real estate investors. Their services cover refinancing, home purchases, and investment property loans, supported by a knowledgeable team praised for clear communication and responsiveness. Some clients note their thoroughness can make the process feel detailed but manageable.
C2 Financial Corporation specializes in personalized mortgage solutions, guided by a Certified Mortgage Advisor with over 30 years of experience. The team offers a broad range of loan options, including conventional, FHA, VA, and specialized programs for self-employed borrowers and investors. Clients appreciate the clear communication and thorough support throughout the mortgage process.
Known for its transparent and flexible approach, Lock Rate Mortgage offers a broad selection of loan programs including Conventional, FHA, VA, Non-QM, and Commercial mortgages. Clients appreciate the team’s responsiveness and clear communication throughout the process, though some find the variety of options requires careful comparison to choose the best fit.
Millenia Mortgage Fullerton is known for its attentive and supportive approach, guiding clients through every step of the home-buying process with clear communication and expertise. The team offers mortgage lending and loan services, consistently earning praise for making what can be overwhelming feel smooth and manageable. Some clients note the process can be detailed, but the staff’s patience… more...
Millenia Mortgage Fullerton is known for its attentive and supportive approach, guiding clients through every step of the home-buying process with clear communication and expertise. The team offers mortgage lending and loan services, consistently earning praise for making what can be overwhelming feel smooth and manageable. Some clients note the process can be detailed, but the staff’s patience helps ease concerns.
American Financial Network, Inc. offers mortgage loan services with a focus on clear communication and organized support. The team handles various loan needs and is often noted for their courteous and efficient approach. Customers appreciate their professionalism and smooth process throughout the mortgage experience.
Specializing in home purchases and refinancing, C2 Reverse Mortgage offers knowledgeable and responsive mortgage brokerage services. The team guides clients through each step with clear communication and ongoing support, though some may find the process requires patience. Customers appreciate the professional, trustworthy approach and continued assistance after closing.
Specializing in home purchase loans and lines of credit, iPro Mortgage 스티브양 융자 offers clear guidance throughout the mortgage process. The team handles refinancing and HELOCs with efficiency, helping clients feel more confident and less stressed. Customers value their professional approach and timely communication.
Home Living Tree specializes in assisting first-time homebuyers and clients seeking refinancing or reverse mortgages. The team guides customers through the entire mortgage process with patience and clear explanations. While some clients note repeated questions, the overall experience is described as smooth and supportive.
Known for helping clients with complex income situations and previous loan rejections, C2 Financial offers a wide range of mortgage solutions including Conventional, FHA, VA, Non-QM, and investor loans. The team focuses on clear communication and a calm, organized process, making it easier for homebuyers and homeowners to navigate financing options.
Lenders made 16,222 home-purchase loans in Orange County in 2025 (average about $980,000) and denied 2,251 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Fullerton, the median home is worth $902,600 and 68% of owners have a mortgage, paying a median $3,317 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Orange 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 | Menconi and Associates | 5.0 | 141 | — | (800) 475-1460 | Visit |
| 2 | Giving Tree Lending | 4.9 | 95 | — | — | Visit |
| 3 | Diane Luongo Gazich - C2 Financial Corporation | 4.9 | 93 | — | (714) 349-8890 | Visit |
| 4 | Lock Rate Mortgage | 5.0 | 72 | Quoted per loan | (888) 511-5885 | Visit |
| 5 | Millenia Mortgage Fullerton | 5.0 | 37 | Quoted per loan | (657) 777-1033 | Visit |
| 6 | American Financial Network, Inc. | 5.0 | 23 | — | (714) 241-2326 | — |
| 7 | C2 Reverse Mortgage: Carlos Perez, Ph.D. | 5.0 | 9 | — | (714) 767-2064 | Visit |
| 8 | iPro Mortgage 스티브양 융자 | 5.0 | 8 | Quoted per loan | (213) 393-6334 | Visit |
| 9 | Home Living Tree | 5.0 | 4 | — | (714) 989-6040 | Visit |
| 10 | C2 Financial | Jack Jacobs | Mortgage Loan Originator | 5.0 | 3 | — | (562) 508-6607 | 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.