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
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Enter your yearly household income.
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.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Optimum First Mortgage
4.8 · 828 reviews · Free pre-approval
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Summit Home Lending
4.9 · 342 reviews · Free pre-approval
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JMJ Financial - Huntington Beach Branch
5.0 · 317 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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 | 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 |
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.