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
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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 |
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PACIFIC BAY LENDING GROUP
4.6 · 309 reviews · Free pre-approval
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OMC Mortgage, Inc. - Mortgage Broker Licensed in CA-TX
5.0 · 219 reviews · Free pre-approval
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Clear Choice Mortgage & Lending
5.0 · 198 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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 | 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 |
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.