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

How much house can you afford in Hayward? 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 Hayward

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

1

Nationwide Fine Homes

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.

Services & Prices
Offer Structure Assistance Quoted per loan
Property Viewing Coordination Quoted per loan
Open House Preparation Quoted per loan
Selling Strategy Development Quoted per loan
View Profile
Open 7:00 AM - 10:00 PM
24301 Southland Dr, Hayward, CA 94545
General Services
Home Buying Services
2

Shadi Alkhudari Real Estate Group

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.

Services & Prices
Home Buying Assistance $5000 - $10000
Home Selling Assistance $5000 - $10000
Market Analysis $300 - $600
Mortgage Consultation $300 - $600
View Profile
(415) 240-8888
Open 00:00 - 23:59
781 W Tennyson Rd, Hayward, CA 94544
General Services
Real Estate Services
3

Jaime Gonzalez - Envision Real Estate & Loans Inc

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.

Services & Prices
Home Tours Quoted per loan
Financing Assistance Quoted per loan
Closing Services Quoted per loan
Market Analysis $250 - $500
View Profile
(510) 862-6716
Open 00:00 - 23:59
24301 Southland Dr #215, Hayward, CA 94545
General Services
Home Buying
4
View Profile
(510) 880-3990
Open 9:00 AM - 7:00 PM
24301 Southland Dr, Hayward, CA 94542
5

JK Brokers

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.

View Profile
(510) 512-6099
Open 10:00 AM - 5:00 PM
24000 Watkins St, Hayward, CA 94544
Where they are 10 on the map Click a pin for the profile and directions
6

CA Five Star Mortgage

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.

View Profile
(510) 755-0980
Open 8AM - 5PM
24301 Southland Dr Ste 217A, Hayward, CA 94545
7

Heritage Fund Realty and Investments | Real Estate Agency | Mortgage Broker in Hayward

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.

View Profile
(510) 733-2191
Open 8:00 AM - 6:00 PM
21573 Foothill Blvd #211, Hayward, CA 94541
8

Patrick Grogan, Real Estate and Mortgage Broker in Hayward

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.

View Profile
(510) 269-7406
Open 9:00 AM - 6:00 PM
21573 Foothill Blvd #211, Hayward, CA 94541
9
View Profile
(510) 371-8090
Open 9:00 AM - 6:00 PM
26250 Industrial Blvd #26, Hayward, CA 94545
10

Shadi Alkhudari - Blue Fig Lending

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.

View Profile
(510) 868-0000
Open 9:00 AM - 6:00 PM
781 W Tennyson Rd, Hayward, CA 94544

Hayward Mortgage Statistics

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

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).

Home-purchase loans, 2025
9,676▼ 6%10,288 in 2024
Denial rate
9%CA 12%
Median home value
$854,400CA $734,700
Monthly cost with a mortgage
$3,208median · CA $2,946
Refinance loans made (Alameda County, 2025)
8,720 · 5,395 in 2024
Home-improvement loans made (2025)
1,865
Average home-purchase loan
$898,000 (CA $711,000)
Owners with a mortgage
69% · 37% of them spend 30%+ of income on housing
Median household income
$113,318 (CA $99,122)

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.

How this Hayward 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

9 questions
How does the mortgage affordability calculator work in Hayward?
It estimates the highest home price you can qualify for using your income, debts, down payment, and interest rate. It includes PMI and property tax.
How accurate is a mortgage affordability estimate?
The estimate is based on general guidelines. A pre-approval confirms the real number by verifying your income, debts, credit, and down payment.
What is the debt-to-income ratio for a mortgage in California?
Lenders usually cap housing costs at 31% of gross income and total debt payments at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in Hayward?
Conventional loans require at least 3% down, while FHA loans need 3.5%. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in California?
With less than 20% down, PMI is about 0.6% of the loan per year. It can be removed once the balance is below 80% of the home's value.
How do interest rates affect how much house I can afford?
Higher rates increase monthly payments, reducing the home price you qualify for. Rates start at 7.40% in this calculator and change weekly.
How do my debts impact the mortgage I can get in Hayward?
High monthly debt payments reduce the mortgage amount you qualify for, as lenders cap total debt payments at 43% of gross income.
What is the property tax rate in California?
The property tax is about 0.69% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying your financials, while pre-qualification is an estimate without verification. Pre-approval is more reliable for home buying.

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