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Review Keywords Analysis

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

Mortgage Affordability Calculator Irvine, CA

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.

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 Irvine

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

1

West Capital Lending

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.

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(949) 652-3943
Closed Now
17911 Von Karman Ave Ste 400, Irvine, CA 92614
2

Mutual of Omaha Mortgage

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.

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(949) 238-6571
Closed Now
15231 Laguna Canyon Rd Ste 250, Irvine, CA 92618
3

National Pacific Lending

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(949) 362-1400
Closed Now
9891 Irvine Center Dr Ste 150, Irvine, CA 92618
General Services
Home Loans
4

Sierra Pacific Mortgage Irvine

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.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
VA Loan Quoted per loan
View Profile
(949) 470-1333
Closed Now
2100 S Main St #106, Irvine, CA 92614
General Services
Mortgage Services
5

Secured American Lending, LLC

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(949) 998-4589
Open 00:00 - 23:59
18100 Von Karman Ave Ste 100, Irvine, CA 92612
General Services
Home Loans
Where they are 10 on the map Click a pin for the profile and directions
6

247 Home Lending

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.

Services & Prices
Pre-approval Services Quoted per loan
View Profile
(866) 587-1443
Open 00:00 - 23:59
18818 Teller Ave #145, Irvine, CA 92612
General Services
Home Lending
7

Brian Ramos - Mortgage Broker - West Capital Lending

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.

Services & Prices
Refinancing Quoted per loan
First-Time Homebuyer Loans Quoted per loan
Investment Property Loans Quoted per loan
Home Equity Lines of Credit Quoted per loan
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(949) 577-6756
Closed Now
17911 Von Karman Ave Ste 400, Irvine, CA 92614
General Services
Mortgage Services
8

New Capital Lending | Mortgage | Home Loans | Refinance | Cash-Out

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.

Services & Prices
Credit Assessment Quoted per loan
Loan Estimate Preparation Quoted per loan
Appraisal Services Quoted per loan
Closing Cost Analysis Quoted per loan
View Profile
(888) 508-1726
Closed Now
3333 Michelson Dr #300-48, Irvine, CA 92612
General Services
Home Equity Line of Credit (HELOC)
9

American Prime Rate LLC.

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Options Quoted per loan
Pre-Qualification Services Quoted per loan
View Profile
(866) 569-2877
Closed Now
2102 Business Center Dr, Irvine, CA 92612
General Services
Loan Services
10

General Mortgage Capital Corporation - Irvine

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.

View Profile
Closed Now
740 Roosevelt, Irvine, CA 92620

Irvine Mortgage Statistics

Home-purchase lending in Orange County and home costs in Irvine, 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 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).

Home-purchase loans, 2025
16,222▼ 2%16,522 in 2024
Denial rate
12%CA 12%
Median home value
$1,191,500CA $734,700
Monthly cost with a mortgage
$4,001median · 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
65% · 35% of them spend 30%+ of income on housing
Median household income
$136,719 (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.

Irvine Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Irvine 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 for Irvine work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate, considering typical lender limits.
How accurate is the mortgage estimate from this calculator?
It's an estimate; pre-approval is needed for exact numbers, as lenders verify income, debts, credit, and down payment.
What is the minimum down payment for a home in California?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down for eligible buyers.
How do debt-to-income ratios affect mortgage affordability?
Lenders often cap housing costs at 31% and total debt payments at 43% of gross monthly income; strong credit may allow more.
How does the interest rate affect how much house I can afford?
Higher rates increase monthly payments, reducing the home price you can afford; rates change weekly, affecting affordability.
What is the property tax rate in California?
The average property tax rate is about 0.69% of the home's value per year for owner-occupied homes.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying financial details with a lender, while pre-qualification is an initial estimate without verification.
How does PMI affect my mortgage in Irvine?
With under 20% down, PMI adds about 0.6% of the loan annually; it can usually be removed when the loan balance is below 80% of the home's value.
How do my monthly debts affect my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at about 43% of income.

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