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Review Keywords Analysis

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

Mortgage Affordability Calculator Long Beach, CA

How much house can you afford in Long Beach? 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 Long Beach

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

1

Jack Skovgard, Mortgage Broker

Known for being available around the clock, Jack Skovgard offers mortgage brokerage services with a focus on creative financing and clear communication. The team assists clients through every step of home buying, often helping to negotiate with sellers and explaining complex options in detail. Customers appreciate their responsiveness and patient guidance throughout the process.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Alternative Loan Structures Quoted per loan
View Profile
(562) 340-9453
Open 8:00 AM - 8:00 PM
3780 Kilroy Airport Way Ste 200, Long Beach, CA 90806
General Services
Home Loan Services
2

New American Funding - Long Beach, CA

New American Funding offers a variety of mortgage programs, including unique options like NAF Cash that help buyers make all-cash offers. Their team supports clients through every step, from pre-approval to closing, and provides tools to simplify the process. While many appreciate their responsiveness and guidance, some find the communication frequent and persistent.

View Profile
(562) 387-1575
Closed Now
6621 E Pacific Coast Hwy Ste. 215, Long Beach, CA 90803
3

Julio Sandoval Mortgage Advisor

Known for guiding clients through complex loan situations, Julio Sandoval Mortgage Advisor offers patient, clear explanations and ongoing support throughout the mortgage process. The team assists with a variety of loan types and stays accessible even after closing. Some clients note the process can take time, but appreciate the thorough communication.

View Profile
(310) 941-8074
Open 7:00 AM - 9:00 PM
4401 Atlantic Ave #100, Long Beach, CA 90807
4

1781 Lending

With 35 years of experience, 1781 Lending focuses on clear communication and personalized mortgage solutions for new home buyers, VA borrowers, and those seeking refinancing. Their licensed team guides clients through Conventional, FHA, Jumbo, and specialty loans, earning praise for professionalism and steady support despite occasional minor delays.

Services & Prices
Fixed-Rate Mortgages Quoted per loan
Adjustable-Rate Mortgages Quoted per loan
VA Loans Quoted per loan
Cash-Out Refinancing Quoted per loan
View Profile
(714) 740-0345
Closed Now
2883 E Spring St Ste 200B, Long Beach, CA 90806
General Services
Home Loan Services
5

Adam Evans - Mortgage Advisor

Specializing in helping first-time homebuyers navigate the mortgage process, this team offers clear explanations and responsive support. They handle loan approvals with patience and efficiency, often making a complex experience feel manageable. Customers appreciate their availability and thorough guidance throughout the home buying journey.

View Profile
(562) 388-2240
Closed Now
5150 Pacific Coast Hwy #200, Long Beach, CA 90804
Where they are 10 on the map Click a pin for the profile and directions
6

Dan Paladin, Mortgage Lender & Broker

Known for clear communication and quick responses, this team helps clients navigate complex mortgage requirements smoothly. They offer home loan and HELOC solutions, working closely with real estate agents and escrow to keep transactions on track. Customers appreciate their professionalism and timely updates throughout the process.

View Profile
(562) 254-5616
Closed Now
2201 N Lakewood Blvd D-683, Long Beach, CA 90815
7

Cristina Briseño - On The Shore Lending - Powered by Equity Smart Home Loans

On The Shore Lending specializes in helping borrowers who may not fit traditional lending guidelines, offering personalized mortgage solutions with over 30 years of experience. Their team provides a wide range of loan options, including FHA, VA, Jumbo, and non-QM loans, with clients appreciating their clear communication and supportive approach throughout the often complex process. Some loans can… more...

On The Shore Lending specializes in helping borrowers who may not fit traditional lending guidelines, offering personalized mortgage solutions with over 30 years of experience. Their team provides a wide range of loan options, including FHA, VA, Jumbo, and non-QM loans, with clients appreciating their clear communication and supportive approach throughout the often complex process. Some loans can involve detailed documentation, but the team remains patient and responsive.

Services & Prices
First-Time Homebuyer Program Quoted per loan
FHA Loan Assistance Quoted per loan
Loan Approval Assistance Quoted per loan
View Profile
(562) 715-3749
Closed Now
5612 2nd St, Long Beach, CA 90803
General Services
Mortgage Brokering
8

New American Funding - Ron Brown

New American Funding - Ron Brown specializes in guiding clients through home loans, including challenging cases other lenders may not handle. The team offers mortgage brokerage services with a focus on patience and thorough support throughout the process. Customers appreciate their professionalism and attentive communication, though the process can sometimes require persistence.

View Profile
(562) 244-3811
Closed Now
6621 CA-1 Suite 215, Long Beach, CA 90803
9

America's Home Loans

Specializing in complex mortgage situations like reverse and Super Jumbo loans, America's Home Loans offers personalized loan programs and refinancing options. The team is praised for their market knowledge and smooth process, though some customers have noted occasional issues with sales interactions.

Services & Prices
Reverse Mortgage Quoted per loan
Traditional Loan Quoted per loan
Super Jumbo Mortgage Quoted per loan
Home Refinance Quoted per loan
View Profile
(949) 345-5960
Open 00:00 - 23:59
3848 Atlantic Ave #1, Long Beach, CA 90807
General Services
Mortgage Services
10

Long Beach Reverse Mortgage

Specializing in HECM and jumbo reverse mortgages, Long Beach Reverse Mortgage helps seniors access home equity to support retirement needs without monthly payments. The team offers clear guidance on loan options and financial benefits, with clients appreciating their straightforward communication and supportive, low-pressure approach throughout the process.

Services & Prices
Closing Coordination Quoted per loan
Property Evaluation $150 - $200
Repair Coordination $75 - $125
View Profile
(562) 772-5868
Closed Now
3780 Kilroy Airport Way Ste 200, Long Beach, CA 90806
General Services
Reverse Mortgage Services

Long Beach Mortgage Statistics

Home-purchase lending in Los Angeles County and home costs in Long Beach, 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 Long Beach, the median home is worth $806,600 and 70% of owners have a mortgage, paying a median $2,984 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
$806,600CA $734,700
Monthly cost with a mortgage
$2,984median · 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
70% · 39% of them spend 30%+ of income on housing
Median household income
$87,430 (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.

Long Beach Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Jack Skovgard, Mortgage Broker 5.0 218 $100 (562) 340-9453 —
2 New American Funding - Long Beach, CA 4.9 86 — (562) 387-1575 Visit
3 Julio Sandoval Mortgage Advisor 5.0 83 — (310) 941-8074 Visit
4 1781 Lending 4.9 78 Quoted per loan (714) 740-0345 Visit
5 Adam Evans - Mortgage Advisor 4.9 66 — (562) 388-2240 Visit
6 Dan Paladin, Mortgage Lender & Broker 5.0 64 — (562) 254-5616 Visit
7 Cristina Briseño - On The Shore Lending - Powered by Equity Smart Home Loans 5.0 57 Quoted per loan (562) 715-3749 Visit
8 New American Funding - Ron Brown 5.0 56 — (562) 244-3811 Visit
9 America's Home Loans 4.9 30 Quoted per loan (949) 345-5960 Visit
10 Long Beach Reverse Mortgage 5.0 11 $75 (562) 772-5868 Visit

How this Long Beach 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 work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability estimate?
The estimate is a guideline. A lender's pre-approval confirms the amount by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in California?
Lenders often cap housing costs at 31% and total debt payments at 43% of gross monthly income. Some loans allow more with strong credit.
What's the minimum down payment for a first-time buyer?
Minimum down payment is 3% for conventional loans, 3.5% for FHA loans; VA and USDA loans may allow 0% down for eligible buyers.
How does private mortgage insurance (PMI) affect my mortgage?
With less than 20% down, PMI adds about 0.6% of the loan annually. It can typically be removed once the balance is below 80% of the home's value.
How do interest rates affect mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do debts impact the mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you qualify for, as lenders cap total debt payments at 43% of gross monthly income.
What is the property tax rate in Long Beach, CA?
The property tax rate is about 0.69% of the home's value annually, based on the 2024 California average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, while pre-qualification is a preliminary estimate without verification.

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