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.
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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Jack Skovgard, Mortgage Broker
5.0 · 218 reviews · Free pre-approval
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New American Funding - Long Beach, CA
4.9 · 86 reviews · Free pre-approval
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Julio Sandoval Mortgage Advisor
5.0 · 83 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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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 | 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 |
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.