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Review Keywords Analysis

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

How much house can you afford in Garden Grove? 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 Garden Grove

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

1

PACIFIC BAY LENDING GROUP

With over three decades of experience and licensing in 31 states, Pacific Bay Lending Group supports mortgage brokers with a broad range of loan programs, including flexible options for self-employed borrowers. The team is known for responsive, direct support and fast turn times, helping brokers navigate approvals and closings efficiently.

Services & Prices
Home Loans Quoted per loan
Personal Loans Quoted per loan
Auto Loans Quoted per loan
View Profile
(714) 367-5125
Closed Now
7390 Lincoln Way, Garden Grove, CA 92841
General Services
Loan Services
2

OMC Mortgage, Inc. - Mortgage Broker Licensed in CA-TX

OMC Mortgage, Inc. is licensed in California and Texas and known for fast loan processing, often closing in about 14 days. The team offers a full range of mortgage services, including home purchase loans, refinancing, FHA and VA options, and reverse mortgages, with a focus on clear communication and personalized guidance. Customers appreciate their responsiveness and straightforward approach… more...

OMC Mortgage, Inc. is licensed in California and Texas and known for fast loan processing, often closing in about 14 days. The team offers a full range of mortgage services, including home purchase loans, refinancing, FHA and VA options, and reverse mortgages, with a focus on clear communication and personalized guidance. Customers appreciate their responsiveness and straightforward approach, though some note the process can still feel complex at times.

View Profile
(800) 676-0306
Closed Now
7659 Garden Grove Blvd, Garden Grove, CA 92841
3

Clear Choice Mortgage & Lending

Clear Choice Mortgage & Lending offers a streamlined loan approval process with competitive rates and a focus on fast closings, often within 14 to 21 business days. Their services include purchase loans, refinancing, and specialized options like Non-QM and DSCR loans, with clients appreciating clear communication and responsive support throughout.

View Profile
(949) 688-6668
Closed Now
12881 Knott St Ste 102, Garden Grove, CA 92841
4

ANVL Lending - Justin J Ahn

ANVL Lending - Justin J Ahn specializes in guiding clients through mortgage and refinancing processes with clear communication and quick responses. The team handles everything from VA loans to escrow finalization, making complex transactions feel manageable. Customers appreciate their friendly, efficient approach, though some note occasional delays outside their control.

Services & Prices
Refinancing Quoted per loan
VA Loans Quoted per loan
Escrow Services Quoted per loan
View Profile
(714) 232-5760
Open 00:00 - 23:59
12437 Lewis St #203, Garden Grove, CA 92840
General Services
Mortgage Services
5

Statewide Mortgage Services : Tuan Tu

Statewide Mortgage Services offers a fast, online-first approach to home loans, providing a wide range of options including FHA, VA, jumbo, and reverse mortgages. The team guides clients clearly through each step, helping reduce the stress often associated with refinancing or buying a home. Customers appreciate their responsiveness and thorough communication throughout the process.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Mortgage Quoted per loan
View Profile
(949) 540-9299
Closed Now
12881 Knott St #107, Garden Grove, CA 92841
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Abdul Chamseddine - MLO NMLS 1235049

Licensed under NMLS 1235049, this mortgage broker focuses on making home loan applications clear and manageable. The team guides clients through financing options with patience and responsiveness, helping to ease what can be a stressful process. Customers appreciate their professionalism and consistent communication throughout the loan journey.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate/Term Refinance Quoted per loan
View Profile
(909) 214-2145
Open 00:00 - 23:59
8642 W Garden Grove Blvd, Garden Grove, CA 92844
General Services
Home Loans
7

Vy & Calvin Nguyen Group | Real Estate & Finance

Specializing in home buying and selling, Vy & Calvin Nguyen Group offers tailored programs and detailed local market insights across Orange County. Their services include personalized guidance, market updates, and helpful resources like buyer and seller guides. Clients appreciate the team’s responsiveness and clear communication throughout the process.

View Profile
(949) 354-6688
Open 00:00 - 23:59
8342 Garden Grove Blvd Ste 4, Garden Grove, CA 92844
8

Namy

Namy specializes in navigating complex mortgage situations, offering a wide range of loan options from over 80 funding sources. The team provides clear explanations and consistent communication, guiding clients through every step with patience and professionalism. Some clients appreciate the in-person support and cozy office environment that adds a personal touch to the process.

View Profile
(888) 528-8825
Open 8:00 AM - 8:00 PM
12860 Euclid St, Garden Grove, CA 92840
9

Able Financial Corp

Able Financial Corp specializes in guiding first-time homebuyers through the mortgage process with clear explanations and patient support. Their team handles loan applications attentively and professionally, helping clients feel more confident and less stressed. Customers appreciate their responsiveness and thorough communication throughout each step.

View Profile
(714) 462-6149
Closed Now
12387 S Lewis St #201, Garden Grove, CA 92840
10

Steven Truong - The Loan Dude

Known for fast pre-approvals and clear, jargon-free guidance, The Loan Dude specializes in mortgage programs for first-time buyers, investors, and self-employed clients. The team offers a range of loan options and communicates promptly in English, Spanish, and Vietnamese. Customers appreciate the straightforward process and friendly support throughout.

Services & Prices
Credit Score Assessment Quoted per loan
Terms Comparison Quoted per loan
View Profile
(949) 391-7909
Open 00:00 - 23:59
12881 Knott St Ste 102, Garden Grove, CA 92841
General Services
First-Time Homebuyer Services

Garden Grove Mortgage Statistics

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

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 Garden Grove, the median home is worth $814,100 and 64% of owners have a mortgage, paying a median $2,764 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
16,222▼ 2%16,522 in 2024
Denial rate
12%CA 12%
Median home value
$814,100CA $734,700
Monthly cost with a mortgage
$2,764median · CA $2,946
Refinance loans made (Orange County, 2025)
18,994 · 12,896 in 2024
Home-improvement loans made (2025)
5,251
Average home-purchase loan
$980,000 (CA $711,000)
Owners with a mortgage
64% · 43% of them spend 30%+ of income on housing
Median household income
$92,174 (CA $99,122)

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.

Garden Grove Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 PACIFIC BAY LENDING GROUP 4.6 309 Quoted per loan (714) 367-5125 Visit
2 OMC Mortgage, Inc. - Mortgage Broker Licensed in CA-TX 5.0 219 — (800) 676-0306 Visit
3 Clear Choice Mortgage & Lending 5.0 198 — (949) 688-6668 Visit
4 ANVL Lending - Justin J Ahn 5.0 189 Quoted per loan (714) 232-5760 Visit
5 Statewide Mortgage Services : Tuan Tu 5.0 117 Quoted per loan (949) 540-9299 Visit
6 Abdul Chamseddine - MLO NMLS 1235049 5.0 63 Quoted per loan (909) 214-2145 Visit
7 Vy & Calvin Nguyen Group | Real Estate & Finance 5.0 58 — (949) 354-6688 Visit
8 Namy 5.0 35 — (888) 528-8825 Visit
9 Able Financial Corp 5.0 33 — (714) 462-6149 Visit
10 Steven Truong - The Loan Dude 5.0 29 Quoted per loan (949) 391-7909 Visit

How this Garden Grove 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

8 questions
How does the mortgage affordability calculator work for Garden Grove?
The calculator uses your income, debts, down payment, and interest rate to estimate the maximum home price you can afford in Garden Grove.
What is the debt-to-income ratio for a mortgage in California?
Lenders typically cap housing costs at 31% of gross income and total debt payments at 43% for a mortgage in California.
What is the minimum down payment for a first-time buyer in California?
First-time buyers in California can make a minimum down payment of 3% on conventional loans or 3.5% on FHA loans.
How does PMI affect my mortgage in Garden Grove?
If your down payment is under 20%, PMI adds about 0.6% of the loan annually, removable when the balance is below 80% of the home's value.
How do interest rates impact mortgage affordability in California?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do my debts affect how much mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of income.
What is the property tax rate in California?
California's property tax is about 0.69% of the home's value annually, based on 2024 averages for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, while pre-qualification is a preliminary estimate without verification.

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