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.
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 |
|---|
Judith Estrella Loan Specialist
5.0 · 45 reviews · Free pre-approval
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Edgar Ibarra, Mortgage Advisor
5.0 · 34 reviews · Free pre-approval
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Homefund Mortgage Inc.
5.0 · 33 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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.