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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in California
  4. Huntington Beach
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Huntington Beach, CA

How much house can you afford in Huntington Beach? 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 Huntington Beach

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

1

Optimum First Mortgage

Optimum First Mortgage is known for offering competitive rates and a smooth, responsive mortgage process. The team handles everything efficiently while keeping clients well informed and comfortable through each step. Customers appreciate their professionalism and clear communication, though some note the experience can vary depending on the individual agent.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Rate-and-Term Refinance Quoted per loan
View Profile
(877) 816-7846
Closed Now
7755 Center Ave 9th Floor, Huntington Beach, CA 92647
General Services
Home Mortgage
2

Summit Home Lending

With over two decades of experience, Summit Home Lending offers a range of mortgage options including refinancing, home equity loans, and VA loans. The team provides clear guidance and stays communicative throughout, helping borrowers navigate the process smoothly. Customers appreciate their professionalism and personalized approach, though the process can still require patience.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Rate-and-Term Refinance Quoted per loan
View Profile
(714) 536-9500
Closed Now
18281 Gothard St #203, Huntington Beach, CA 92648
General Services
Home Loan
3

JMJ Financial - Huntington Beach Branch

JMJ Financial’s Huntington Beach branch specializes in guiding clients through home loans and home equity lines of credit with clear communication and personalized support. The team is known for breaking down complex terms and providing timely updates, helping both first-time buyers and entrepreneurs navigate the mortgage process with confidence. Some customers note occasional delays but… more...

JMJ Financial’s Huntington Beach branch specializes in guiding clients through home loans and home equity lines of credit with clear communication and personalized support. The team is known for breaking down complex terms and providing timely updates, helping both first-time buyers and entrepreneurs navigate the mortgage process with confidence. Some customers note occasional delays but appreciate the proactive problem-solving throughout.

View Profile
(714) 330-8263
Closed Now
19671 Beach Blvd Ste 202, Huntington Beach, CA 92648
4

Brighter Lending

Known for an average closing time of just 21 days, Brighter Lending offers streamlined mortgage services including home purchases and refinancing, with special options for first-time buyers. Customers appreciate the team’s clear communication, responsiveness, and personalized support throughout the process, though some find the technology-driven approach requires a bit of adjustment.

Services & Prices
First Home Loan Quoted per loan
Second Home Loan Quoted per loan
Investment Property Loan Quoted per loan
View Profile
(949) 877-7757
Closed Now
8092 Warner Ave, Huntington Beach, CA 92647
General Services
Home Lending
5

BuyWise Mortgage

BuyWise Mortgage focuses on guiding clients through the mortgage process with clear, personalized education and support. The team assists with home purchases, refinancing, and specialized programs like California Dream For All, helping first-time buyers and experienced homeowners alike. Customers appreciate their patient communication and thorough explanations, which help ease common… more...

BuyWise Mortgage focuses on guiding clients through the mortgage process with clear, personalized education and support. The team assists with home purchases, refinancing, and specialized programs like California Dream For All, helping first-time buyers and experienced homeowners alike. Customers appreciate their patient communication and thorough explanations, which help ease common uncertainties.

Services & Prices
Loan Pre-Approval Quoted per loan
View Profile
(714) 916-5727
Closed Now
2130 Main St #290, Huntington Beach, CA 92648
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Revival Lending

Revival Lending focuses on a holistic, long-term approach to mortgage lending, tailoring strategies to clients’ unique financial goals. The team assists with home purchases, refinancing, and investment loans, guiding clients through complex processes with clear communication and responsiveness. Customers appreciate their professionalism and the smooth, well-informed experience.

Services & Prices
Refinancing Quoted per loan
HELOC Rate Comparison Quoted per loan
Loan Terms Explanation Quoted per loan
View Profile
(714) 257-5284
Closed Now
2134 Main St #230, Huntington Beach, CA 92648
General Services
Mortgage Services
7

APRVD®

APRVD® Home Loan focuses on faster approvals and personalized mortgage evaluations to help families across California and 25 other states. Their services include pre-approval, home-buying assistance, and refinancing support, with a team known for clear communication and reliable guidance throughout the process. Some clients note adapting to digital platforms can take a moment.

Services & Prices
Home Buying Assistance $3000 - $5000
Home Selling Assistance $3000 - $5000
Real Estate Consultation $100 - $200
Mortgage Loan Processing $200 - $500
View Profile
(949) 478-3863
Closed Now
214 5th St Unit 204, Huntington Beach, CA 92648
General Services
Real Estate Services
8

New American Funding - Huntington Beach, CA

New American Funding offers a variety of mortgage options, including conventional, FHA, VA loans, and unique programs like NAF Cash for quick, competitive offers. The team is known for clear communication and efficient processing, helping clients navigate the loan process smoothly, though some may find the range of services broad.

Services & Prices
First-Time Home Buyer Loans Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(714) 581-5324
Closed Now
20422 Beach Blvd #100, Huntington Beach, CA 92648
General Services
Mortgage Services
9

The Mortgage Hub

The Mortgage Hub is known for its clear communication and thorough guidance throughout the mortgage and refinance process. The team offers assistance with a variety of loan types and uses tools like secure portals and detailed explanations to keep clients informed. Customers appreciate their responsiveness and ongoing support even after closing, though some note the process can be complex when… more...

The Mortgage Hub is known for its clear communication and thorough guidance throughout the mortgage and refinance process. The team offers assistance with a variety of loan types and uses tools like secure portals and detailed explanations to keep clients informed. Customers appreciate their responsiveness and ongoing support even after closing, though some note the process can be complex when multiple transactions overlap.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(888) 273-8734
Closed Now
5882 Bolsa Ave Ste 250, Huntington Beach, CA 92649
General Services
Mortgage Services
10

Pacific One Lending and Real Estate

Pacific One Lending and Real Estate focuses on mortgage services tailored to Huntington Beach and nearby Orange County communities. They offer a broad range of loan programs for home purchases and refinancing, including FHA, VA, USDA, and Jumbo loans. Customers often note responsive communication and a smooth process, though some mention concerns about professionalism.

View Profile
(888) 733-4224
Closed Now
18377 Beach Blvd Ste 210, Huntington Beach, CA 92648

Huntington Beach Mortgage Statistics

Home-purchase lending in Orange County and home costs in Huntington Beach, 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 Huntington Beach, the median home is worth $1,100,000 and 64% of owners have a mortgage, paying a median $3,495 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
$1,100,000CA $734,700
Monthly cost with a mortgage
$3,495median · 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% · 37% of them spend 30%+ of income on housing
Median household income
$120,919 (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.

Huntington Beach Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Optimum First Mortgage 4.8 828 Quoted per loan (877) 816-7846 Visit
2 Summit Home Lending 4.9 342 Quoted per loan (714) 536-9500 Visit
3 JMJ Financial - Huntington Beach Branch 5.0 317 — (714) 330-8263 Visit
4 Brighter Lending 5.0 166 Quoted per loan (949) 877-7757 Visit
5 BuyWise Mortgage 5.0 135 Quoted per loan (714) 916-5727 Visit
6 Revival Lending 5.0 124 Quoted per loan (714) 257-5284 Visit
7 APRVD® 5.0 118 $100 (949) 478-3863 Visit
8 New American Funding - Huntington Beach, CA 4.9 99 Quoted per loan (714) 581-5324 Visit
9 The Mortgage Hub 5.0 72 Quoted per loan (888) 273-8734 Visit
10 Pacific One Lending and Real Estate 4.0 12 — (888) 733-4224 Visit

How this Huntington Beach 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

10 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for using your income, debts, down payment, and interest rate, considering housing costs at 31% of income and total debt at 43%.
How accurate is the mortgage affordability estimate?
The calculator provides an estimate. Pre-approval from a lender confirms accuracy by verifying income, debts, credit, and down payment.
What is the minimum down payment for a mortgage in California?
For first-time buyers, it's 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does debt affect my mortgage affordability?
Lenders typically cap total debt payments at 43% of your gross monthly income. Higher debts can reduce the mortgage amount you qualify for.
What is the property tax rate in California?
The average property tax rate for owner-occupied homes in California is about 0.69% of the home's value per year.
What happens if I put less than 20% down?
Conventional loans require private mortgage insurance (PMI) if the down payment is under 20%. PMI is roughly 0.6% of the loan amount annually.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% as of October 2026 and change weekly.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate borrowing limit. Pre-qualification is an initial estimate without verification.
How much house can I afford on a $100k salary in Huntington Beach?
The calculator estimates based on your income, debts, and down payment. Housing costs are capped at 31% of your income, but exact amounts vary by individual situation.
What role does a mortgage broker play?
Mortgage brokers help find loan options by connecting you with lenders, but they don't issue loans themselves. They can assist with the application process.

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