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Review Keywords Analysis

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

Mortgage Affordability Calculator Lancaster, CA

How much house can you afford in Lancaster? 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 Lancaster

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

1

Judith Estrella Loan Specialist

Known for a responsive and clear communication style, this loan specialist at LoanDepot supports clients through home purchase and refinancing loans with personalized guidance. The team handles everything from pre-approval to closing, often completing the process ahead of schedule. Some clients note the fast pace may feel intense, but many appreciate the attentive service and thorough… more...

Known for a responsive and clear communication style, this loan specialist at LoanDepot supports clients through home purchase and refinancing loans with personalized guidance. The team handles everything from pre-approval to closing, often completing the process ahead of schedule. Some clients note the fast pace may feel intense, but many appreciate the attentive service and thorough explanations.

Services & Prices
Home Loan Assistance Quoted per loan
View Profile
(661) 816-5673
Closed Now
42455 10th St W Ste 108, Lancaster, CA 93534
General Services
Loan Services
2

Edgar Ibarra, Mortgage Advisor

Known for clear communication and attentive support, Edgar Ibarra’s team assists clients through every step of the home loan process. They offer mortgage advice and lending services, helping customers navigate complex transactions with patience and efficiency. Some clients note occasional delays, but the team remains responsive and thorough.

View Profile
(818) 359-2723
Closed Now
42225 10th St W Ste d, Lancaster, CA 93534
3

Homefund Mortgage Inc.

With over 30 years of experience, Homefund Mortgage Inc. specializes in guiding families—especially veterans—through the VA home loan process. The team offers mortgage purchase and refinancing services, focusing on clear communication and thorough support. Customers appreciate their proactive approach, though timing can sometimes depend on third parties.

Services & Prices
VA Home Loans Quoted per loan
Conventional Home Loans Quoted per loan
Refinancing Quoted per loan
Credit Analysis Quoted per loan
View Profile
(661) 209-1567
Closed Now
6513 La Sarra Dr, Lancaster, CA 93536
General Services
Home Loan Services
4

Davison Mortgage Company

Davison Mortgage Company focuses on guiding first-time homebuyers through the loan process with clear explanations and patient support. The team helps clients understand each step, providing attentive communication and a straightforward approach. Customers appreciate the honest, friendly service and feel confident working with them throughout the mortgage experience.

Services & Prices
Home Loan Application Quoted per loan
View Profile
(661) 494-8085
Closed Now
765 W Lancaster Blvd, Lancaster, CA 93534
General Services
Mortgage Services
5

Minted Mortgage Company Inc.

With a combined 30 years of experience, Minted Mortgage Company focuses on personalized guidance and education to help clients navigate home financing confidently. They offer a variety of loan options for purchases and refinancing, supported by partnerships with major lenders. Customers appreciate the attentive communication, though some note the process can take longer when external factors… more...

With a combined 30 years of experience, Minted Mortgage Company focuses on personalized guidance and education to help clients navigate home financing confidently. They offer a variety of loan options for purchases and refinancing, supported by partnerships with major lenders. Customers appreciate the attentive communication, though some note the process can take longer when external factors arise.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Mortgage Refinance Quoted per loan
Pre-Approval Services Quoted per loan
Home Purchase Loans Quoted per loan
View Profile
(661) 264-8872
Closed Now
42220 10th St W Ste 108, Lancaster, CA 93534
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Urban First Funding Corporation

Urban First Funding Corporation focuses on helping clients with unique financial situations, including many Spanish-speaking families, by offering mortgage options tailored to diverse needs. Their team provides clear communication and thorough explanations throughout the home loan process. Customers appreciate their professionalism, dedication, and willingness to work around challenges.

Services & Prices
Credit Dispute Resolution Quoted per loan
Flexible Financing Solutions Quoted per loan
Tailored Loan Products Quoted per loan
View Profile
(661) 305-7981
Closed Now
1055 W Avenue M #104, Lancaster, CA 93534
General Services
Home Loan Brokerage
7

Venessa Henriquez- Minted Mortgage Company, Inc.

With a combined 30 years of experience and strong ties to national lenders, Minted Mortgage Company offers personalized home loan guidance tailored to each client’s financial goals. Their team supports borrowers through every step—from pre-approval to closing—earning praise for clear communication and patient, attentive service. Some clients note the process can require patience, but appreciate… more...

With a combined 30 years of experience and strong ties to national lenders, Minted Mortgage Company offers personalized home loan guidance tailored to each client’s financial goals. Their team supports borrowers through every step—from pre-approval to closing—earning praise for clear communication and patient, attentive service. Some clients note the process can require patience, but appreciate the thorough explanations provided.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(661) 886-9806
Closed Now
42220 10th St W Ste 107, Lancaster, CA 93534
General Services
Mortgage Services
8

loanDepot

loanDepot focuses on simplifying the home loan process, especially for first-time buyers. The team offers mortgage lending along with helpful services like homeowners insurance quotes, guiding clients clearly through each step. Customers appreciate their communication and support, though the process timeline can vary depending on individual circumstances.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(661) 202-1700
Closed Now
42455 10th St W Ste 108-109, Lancaster, CA 93534
General Services
Home Loan Services
9

Guild Mortgage - Heather Sargent

Guild Mortgage focuses on personalized mortgage solutions backed by extensive industry experience and a strong commitment to customer education. They offer a wide range of loan options, including first-time homebuyer programs and refinancing, supported by helpful online tools. Clients appreciate the team’s clear communication and steady guidance throughout the home financing process.

View Profile
(661) 810-0479
Closed Now
604 W Ave L #107, Lancaster, CA 93534
10

Lawrence Tyson - Mortgage Broker

With over a decade of experience and expertise in alternative income and hard money loans, Lawrence Tyson offers a wide range of mortgage solutions for first-time buyers, investors, and homeowners. The team is known for clear communication and personalized guidance, helping clients feel supported throughout the often complex financing process.

View Profile
(949) 518-3311
Open 00:00 - 23:59
43824 20th St W Unit 2233, Lancaster, CA 93539

Lancaster Mortgage Statistics

Home-purchase lending in Los Angeles County and home costs in Lancaster, CA (latest HMDA and Census data)

Lenders made 42,509 home-purchase loans in Los Angeles County in 2025 (average about $923,000) and denied 6,267 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Lancaster, the median home is worth $446,600 and 71% of owners have a mortgage, paying a median $2,245 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
42,509▼ 1%43,093 in 2024
Denial rate
13%CA 12%
Median home value
$446,600CA $734,700
Monthly cost with a mortgage
$2,245median · CA $2,946
Refinance loans made (Los Angeles County, 2025)
42,471 · 30,893 in 2024
Home-improvement loans made (2025)
10,516
Average home-purchase loan
$923,000 (CA $711,000)
Owners with a mortgage
71% · 39% of them spend 30%+ of income on housing
Median household income
$81,511 (CA $99,122)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Los Angeles County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Lancaster Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Judith Estrella Loan Specialist 5.0 45 Quoted per loan (661) 816-5673 Visit
2 Edgar Ibarra, Mortgage Advisor 5.0 34 — (818) 359-2723 Visit
3 Homefund Mortgage Inc. 5.0 33 Quoted per loan (661) 209-1567 Visit
4 Davison Mortgage Company 5.0 25 Quoted per loan (661) 494-8085 Visit
5 Minted Mortgage Company Inc. 4.8 24 Quoted per loan (661) 264-8872 Visit
6 Urban First Funding Corporation 5.0 17 Quoted per loan (661) 305-7981 —
7 Venessa Henriquez- Minted Mortgage Company, Inc. 5.0 14 Quoted per loan (661) 886-9806 Visit
8 loanDepot 5.0 13 Quoted per loan (661) 202-1700 Visit
9 Guild Mortgage - Heather Sargent 5.0 8 — (661) 810-0479 Visit
10 Lawrence Tyson - Mortgage Broker 5.0 2 — (949) 518-3311 Visit

How this Lancaster 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 afford using income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability calculator for Lancaster, CA?
It's an estimate based on general guidelines; actual affordability requires lender verification of income, debts, and credit.
What is the debt-to-income ratio for mortgages in California?
Lenders typically cap housing costs at 31% and total debts at 43% of gross monthly income, but some loans allow more with strong credit.
What's the minimum down payment for a first-time buyer in Lancaster?
First-time buyers can put down as little as 3% on conventional loans or 3.5% on FHA loans.
How does PMI affect my mortgage in California?
With less than 20% down, PMI adds 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 change what I can afford?
Higher rates increase monthly payments, reducing the home price you qualify for; rates change weekly.
How do existing debts affect my mortgage eligibility?
Higher monthly debts reduce the home price you can qualify for, as they count towards the 43% total debt cap.
What is the property tax rate in Lancaster, CA?
The property tax rate is about 0.69% of the home's value per year, based on California's 2024 average.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income and debts, while pre-qualification is an initial estimate without verification.
What role does a mortgage broker play?
A mortgage broker helps find and negotiate loan terms with lenders on your behalf.

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