How much house can you afford in Irvine? 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.
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 |
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West Capital Lending
4.8 · 4449 reviews · Free pre-approval
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Mutual of Omaha Mortgage
4.8 · 274 reviews · Free pre-approval
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National Pacific Lending
4.9 · 104 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 →
Known for its strong partnership with Rocket Mortgage as their #1 National Broker Partner for four years, West Capital Lending offers a wide range of loan options including Conventional, FHA, VA, Non-QM, Interest Only, and Reverse Mortgages. Customers appreciate the team’s quick responses and smooth, efficient process, though some note the experience can feel fast-paced.
Mutual of Omaha Mortgage focuses on guiding clients through the mortgage process with clear communication and patient support. The team helps with loan applications and answers questions promptly, providing reassurance throughout. Customers appreciate the attentive approach, though some may find the process detailed and time-consuming.
With over 30 years of experience and a strong focus on Irvine homeowners, National Pacific Lending offers a wide range of mortgage options including FHA, VA, Jumbo, and First-Time Buyer loans. The team is known for clear communication and a smooth closing process, helping clients navigate home financing with personalized support.
Sierra Pacific Mortgage Irvine is known for its attentive and patient approach, especially with complex loan situations like small business owners. The team offers a range of mortgage services, including home purchase financing and refinancing, with a focus on clear communication and follow-up. Customers appreciate their responsiveness, though some loan approvals may take longer due to individual… more...
Sierra Pacific Mortgage Irvine is known for its attentive and patient approach, especially with complex loan situations like small business owners. The team offers a range of mortgage services, including home purchase financing and refinancing, with a focus on clear communication and follow-up. Customers appreciate their responsiveness, though some loan approvals may take longer due to individual circumstances.
Secured American Lending offers a quick, streamlined loan application process with personalized guidance from their loan officers. Specializing in home loans, refinancing, and purchase applications, they provide free consultations and support clients through every step to help ensure smooth and timely closings. Customers appreciate the team’s patience and clear communication throughout the… more...
Secured American Lending offers a quick, streamlined loan application process with personalized guidance from their loan officers. Specializing in home loans, refinancing, and purchase applications, they provide free consultations and support clients through every step to help ensure smooth and timely closings. Customers appreciate the team’s patience and clear communication throughout the process.
Known for clear communication and personalized guidance, 247 Home Lending offers a range of mortgage products including fixed-rate, adjustable-rate, FHA, VA, and USDA loans. The team is praised for keeping clients informed and making the lending process feel manageable, though some may find the detailed options a bit overwhelming at first.
Known for guiding clients through a smooth mortgage process, Brian Ramos at West Capital Lending helps borrowers find competitive lending rates and clear financing options. The team is praised for being attentive, organized, and proactive, often securing funding within a week while keeping clients well informed from start to finish.
New Capital Lending specializes in making home loans and refinancing, including cash-out options, straightforward and accessible. The team keeps clients well informed throughout the process, helping to ease what can often feel complicated. Customers appreciate the clear communication and smooth experience from application to closing.
Specializing in DSCR, Non-QM, and hard money loans, American Prime Rate serves real estate investors, self-employed borrowers, and homeowners seeking options beyond conventional lending. Their licensed loan experts provide personalized guidance through a variety of loan programs, helping clients understand and choose the best fit. Customers often note clear communication and a smooth, responsive… more...
Specializing in DSCR, Non-QM, and hard money loans, American Prime Rate serves real estate investors, self-employed borrowers, and homeowners seeking options beyond conventional lending. Their licensed loan experts provide personalized guidance through a variety of loan programs, helping clients understand and choose the best fit. Customers often note clear communication and a smooth, responsive process.
General Mortgage Capital Corporation specializes in a wide range of mortgage programs, including options for self-employed borrowers and foreign nationals. Their brokers guide clients through streamlined applications and fast approvals, often praised for clear communication and patient support. Some customers note language barriers, but the team’s careful assistance helps ease the process.
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 Irvine, the median home is worth $1,191,500 and 65% of owners have a mortgage, paying a median $4,001 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 | West Capital Lending | 4.8 | 4449 | — | (949) 652-3943 | Visit |
| 2 | Mutual of Omaha Mortgage | 4.8 | 274 | — | (949) 238-6571 | Visit |
| 3 | National Pacific Lending | 4.9 | 104 | Quoted per loan | (949) 362-1400 | Visit |
| 4 | Sierra Pacific Mortgage Irvine | 5.0 | 95 | Quoted per loan | (949) 470-1333 | Visit |
| 5 | Secured American Lending, LLC | 5.0 | 91 | Quoted per loan | (949) 998-4589 | Visit |
| 6 | 247 Home Lending | 4.9 | 88 | Quoted per loan | (866) 587-1443 | Visit |
| 7 | Brian Ramos - Mortgage Broker - West Capital Lending | 5.0 | 48 | Quoted per loan | (949) 577-6756 | Visit |
| 8 | New Capital Lending | Mortgage | Home Loans | Refinance | Cash-Out | 5.0 | 17 | Quoted per loan | (888) 508-1726 | Visit |
| 9 | American Prime Rate LLC. | 5.0 | 16 | Quoted per loan | (866) 569-2877 | Visit |
| 10 | General Mortgage Capital Corporation - Irvine | 5.0 | 14 | — | — | 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.