How much house can you afford in Hayward? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
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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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Nationwide Fine Homes
4.9 · 83 reviews · Free pre-approval
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Shadi Alkhudari Real Estate Group
5.0 · 40 reviews · Free pre-approval
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Jaime Gonzalez - Envision Real Estate & Loans Inc
5.0 · 33 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 23 years of experience in the Bay Area market, Nationwide Fine Homes offers thoughtful guidance for buyers and sellers, including first-timers and seasoned investors. Their services cover market analysis, pricing, marketing, and negotiation, with clients appreciating their patient, transparent approach and clear explanations throughout the process.
Known for combining real estate expertise with mortgage guidance, Shadi Alkhudari Real Estate Group helps clients navigate buying, selling, and financing homes in a competitive market. The team leverages extensive local connections and technology to provide up-to-date listings and strategic support. Customers appreciate their responsiveness and clear communication throughout the process.
Specializing in the Hayward and East Bay markets, Envision Real Estate & Loans Inc. combines real estate and mortgage brokerage services to simplify buying and selling homes. The team uses advanced marketing tools like drone photography and 3D virtual tours, with clients appreciating their clear communication and thorough guidance throughout the process.
JK Brokers focuses on honest and knowledgeable mortgage guidance to help clients achieve homeownership. The team offers personalized mortgage solutions and is appreciated for making the process clear and straightforward. Some customers note the experience can feel a bit busy at times.
About CA Five Star MortgageCA Five Star Mortgage is a dedicated mortgage broker committed to providing tailored loan solutions for a variety of financial needs. Specializing in FHA Loans, Jumbo Loans, Conventional Loans, and Non-QM Loans, they understand that every client’s situation is unique. Their experienced team takes the time to understand specific requirements, helping clients navigate the… more...
About CA Five Star MortgageCA Five Star Mortgage is a dedicated mortgage broker committed to providing tailored loan solutions for a variety of financial needs. Specializing in FHA Loans, Jumbo Loans, Conventional Loans, and Non-QM Loans, they understand that every client’s situation is unique. Their experienced team takes the time to understand specific requirements, helping clients navigate the mortgage process with ease. The goal is to make home financing straightforward and accessible, ensuring clients can secure the best possible options. In addition to diverse loan offerings, CA Five Star Mortgage provides comprehensive refinancing programs, including FHA Streamline, FHA Cash Out, Conventional, and Jumbo loans, designed to help clients achieve financial goals like lowering interest rates or accessing home equity. They also offer specialized products for self-employed individuals, first-time homebuyers, and investors, including 1099 Loans, Self Employed Loans, Bank Statement Loans, First Time Homebuyer Loans, 100% Financing, Investor Loans, HELOCs, and 2nd Mortgages. The company has been helping customers afford their dream homes for many years.Industry ExpertiseCA Five Star Mortgage holds a Company NMLS: 2820134 and Personal NMLS: 298174, with access to NMLS Consumer Access for verification. They are committed to serving clients across California, including specific areas like Hayward, Castro Valley, and Union City, understanding the unique needs of each local market. Their dedication to providing exceptional service and tailored solutions positions them as a trusted partner in achieving financial goals. They offer a variety of loan options and refinancing programs to fit diverse borrower profiles and financial aspirations.Mortgage Services OfferedCA Five Star Mortgage offers a comprehensive suite of mortgage services, including FHA Loans, Jumbo Loans, Conventional Loans, and Non-QM Loans. They specialize in refinancing programs such as FHA Streamline, FHA Cash Out, Conventional, and Jumbo loan refinances. For clients with alternative income sources, they provide 1099 Loans, Self Employed Loans, and Bank Statement Loans. Additionally, they assist first-time homebuyers with dedicated programs and offer options for 100% Financing. Investor Loans, HELOCs, and 2nd Mortgages are also available. The company also provides mortgage calculators, loan process guides, and basic mortgage information to aid clients.Unique AdvantagesCA Five Star Mortgage has been helping customers afford their dream homes for many years. They offer specialized products for self-employed individuals and first-time homebuyers. The company provides a wide range of loan products tailored to the unique needs of local markets, including Hayward, Castro Valley, and Union City. They are committed to understanding local market dynamics and client challenges.
Heritage Fund Realty and Investments offers integrated real estate and mortgage services, including a quick, no-impact online mortgage application and down payment assistance programs. Their local agents guide clients through buying, selling, and financing homes in the Bay Area, with many appreciating the clear explanations and patient support throughout the process.
Patrick Grogan specializes in guiding clients through real estate and mortgage processes with a calm, professional approach. The team handles everything from home purchases to rental searches, consistently responding promptly to inquiries. Customers appreciate the knowledgeable support during what can be a stressful experience.
About Blue Fig LendingBlue Fig Lending is a dedicated mortgage broker committed to providing tailored loan solutions. They guide clients through the mortgage process, offering a wide range of loan options including FHA Loans, VA Loans, Jumbo Loans, and Conventional Loans. The company also provides specialized financing such as Reverse Mortgages, Non-QM Loans, and Bridge Loans, leveraging… more...
About Blue Fig LendingBlue Fig Lending is a dedicated mortgage broker committed to providing tailored loan solutions. They guide clients through the mortgage process, offering a wide range of loan options including FHA Loans, VA Loans, Jumbo Loans, and Conventional Loans. The company also provides specialized financing such as Reverse Mortgages, Non-QM Loans, and Bridge Loans, leveraging extensive industry experience to find perfect loan fits.Credibility & TrustBlue Fig Lending emphasizes its commitment to helping customers achieve homeownership for many years. They provide NMLS identification (2395108) and direct users to the NMLS Consumer Access portal for verification. While specific awards or certifications are not detailed, their focus on guiding clients and offering diverse loan programs serves as a trust signal.Loan OfferingsBlue Fig Lending offers a comprehensive suite of mortgage products for both purchase and refinance. This includes FHA, VA, Jumbo, Conventional, Reverse Mortgages, Non-QM, Bridge Loans, 1099 Loans, Self Employed Loans, Bank Statement Loans, Investor Loans, DSCR, Fix and Flip financing, HELOCs, ITIN Loans, Foreign National Loans, 2nd Mortgages, Rehab Loans, FHA 203H, P&L Loans, Hard Money Loans, Apartment Complex Loans, and Multi-Unit Loans. They also facilitate FHA Streamline, VA Streamline, FHA Cash Out, and VA Cash Out refinances, alongside Down Payment Assistance programs.Unique AdvantagesBlue Fig Lending offers specialized loan programs for various needs, including those for self-employed individuals, investors, and disaster victims. They provide options like 1099 Loans, Bank Statement Loans, DSCR, Fix and Flip, and FHA 203H. The company also highlights community support through initiatives like the Hometown Heroes Loan.
Lenders made 9,676 home-purchase loans in Alameda County in 2025 (average about $898,000) and denied 960 — 9% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Hayward, the median home is worth $854,400 and 69% of owners have a mortgage, paying a median $3,208 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Alameda 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 | Nationwide Fine Homes | 4.9 | 83 | Quoted per loan | — | Visit |
| 2 | Shadi Alkhudari Real Estate Group | 5.0 | 40 | $300 | (415) 240-8888 | Visit |
| 3 | Jaime Gonzalez - Envision Real Estate & Loans Inc | 5.0 | 33 | $250 | (510) 862-6716 | Visit |
| 4 | J. Morthon Mortgage Refinance Hayward California | 5.0 | 10 | — | (510) 880-3990 | — |
| 5 | JK Brokers | 4.9 | 8 | — | (510) 512-6099 | — |
| 6 | CA Five Star Mortgage | 5.0 | 5 | — | (510) 755-0980 | Visit |
| 7 | Heritage Fund Realty and Investments | Real Estate Agency | Mortgage Broker in Hayward | 5.0 | 4 | — | (510) 733-2191 | Visit |
| 8 | Patrick Grogan, Real Estate and Mortgage Broker in Hayward | 5.0 | 2 | — | (510) 269-7406 | Visit |
| 9 | Prime Properties of California/ Bay Home Loans | 5.0 | 1 | — | (510) 371-8090 | — |
| 10 | Shadi Alkhudari - Blue Fig Lending | 5.0 | 1 | — | (510) 868-0000 | 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.