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Review Keywords Analysis

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

Mortgage Affordability Calculator Los Angeles, CA

How much house can you afford in Los Angeles? 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 Los Angeles

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

1

Henry Wilkes - Wilkes Mortgage Group VA • FHA • Conventional Financing Specialist

Verified

Wilkes Mortgage Group specializes in VA, FHA, and conventional financing, drawing on over 16 years of experience in mortgage lending and real estate. The team offers personalized guidance throughout refinancing and home purchase processes, with many clients appreciating their clear communication and dedication, though some note occasional delays in responsiveness.

Services & Prices
Home Purchase Loans, VA Home Loans, First-Time Home Buyer Assistance)
Rate and Term Refinance, Cash-Out Refinance, VA Streamline Refinance)
View Profile
(818) 582-2380
Open 6:00 AM - 8:00 PM
3470 Wilshire Blvd Suite #910, Los Angeles, CA 90010, USA
General Services
Mortgage Brokerage
2

PierPoint Mortgage

Verified

With over 50 years of experience, PierPoint Mortgage specializes in helping clients find the right home loan quickly and efficiently. Their team guides borrowers through the mortgage process with clear communication and responsive service. Customers appreciate the smooth, straightforward experience, especially when needing fast loan approvals.

Services & Prices
Home Loan Application Assistance, Home Loan Approval Process)
Reverse Mortgage Application Support, Reverse Mortgage Approval Assistance)
View Profile
(323) 986-4400
Closed Now
3680 Wilshire Blvd, Los Angeles, CA 90010, USA
General Services
Home Loan Services
3

Scott Griffin Financial

Scott Griffin Financial specializes in helping property owners secure financing with a 100% approval rate on underwritten loans. The team offers fast, clear communication and uses advanced technology to simplify the mortgage process. Customers appreciate their responsiveness and the competitive edge they provide in a challenging market.

Services & Prices
Home Purchase Loans Quoted per loan
Pre-Approval Services Quoted per loan
All-In-One Loans Quoted per loan
Rate & Term Refinance Quoted per loan
View Profile
(818) 207-2688
Closed Now
2121 Ave of the Stars Ste 800,Los Angeles, CA 90067
General Services
Mortgage Services
4

Vault Mortgage Group

Vault Mortgage Group offers both in-house loan funding and mortgage brokerage services, providing options for a variety of home financing needs. Customers appreciate the team’s responsiveness and clear communication, especially first-time buyers who find the process easier to navigate with their support. Some note the process can feel detailed but well-organized throughout.

Services & Prices
Rate Reduction Quoted per loan
Cash-Out Refinance Quoted per loan
Streamline Refinance Quoted per loan
View Profile
(310) 481-8990
Closed Now
11845 W Olympic Blvd #830, Los Angeles, CA 90064, USA
General Services
Refinancing
5

Sunset Lending & Realty (SLR)

Sunset Lending & Realty specializes in residential mortgage loans and real estate services, combining the efficiency of a small firm with the resources of larger banks. Their team works closely with homeowners and investors to find suitable loan programs for purchases or refinancing. Customers often highlight clear communication and a smooth, responsive process throughout their experience.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Equity Loans Quoted per loan
View Profile
(818) 651-0340
Closed Now
12100 Wilshire Blvd 8th floor,Los Angeles, CA 90025
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Aragon Lending Team - Trusted Mortgage Pros

Known for combining a streamlined digital process with easy access to expert guidance, Aragon Lending Team helps clients navigate home loans with clarity and speed. They offer mortgage services for first-time buyers and experienced homeowners alike, with a team that stays responsive and supportive throughout. Some clients note occasional wait times but appreciate the thorough communication.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(310) 491-5958
Closed Now
555 W 5th St, Los Angeles, CA 90013, USA
General Services
Mortgage Services
7

HILLHURST MORTGAGE

Hillhurst Mortgage focuses on personalized mortgage solutions, recognizing that each client’s needs are unique. The team guides customers through home purchases, refinancing, and home improvement loans with clear communication and prompt responses. While most find the process smooth and efficient, a few have noted concerns about communication.

Services & Prices
First-Time Home Buyer Loans Quoted per loan
VA Loans Quoted per loan
Conventional Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(323) 522-1020
Closed Now
1662 Hillhurst Ave Suite A, Los Angeles, CA 90027, USA
General Services
Home Loan Services
8

Shannon Christenot

With two decades of experience and both NMLS and BRE licenses, this mortgage broker helps clients navigate home purchases and refinancing with clear, personalized guidance. The team is praised for making complex loan processes straightforward and staying responsive even under pressure, though some cases can involve complicated details.

Services & Prices
Purchase Loan Quoted per loan
Refinance Loan Quoted per loan
Cash-Out Refinance Quoted per loan
View Profile
(818) 601-2231
Closed Now
700 Flower St #1000, Los Angeles, CA 90017, USA
General Services
Home Loan
9

Bill Rayman Home Mortgages

Bill Rayman Home Mortgages focuses on personalized mortgage advice, recognizing that each client’s financial situation is unique. The team helps with finding the right loan product, handling paperwork, and addressing credit issues to secure favorable terms. Customers appreciate their thorough explanations, responsiveness, and the time spent guiding them through the process.

Services & Prices
Rate Comparison Analysis Quoted per loan
Debt Management Strategy Quoted per loan
Budgeting Assistance Quoted per loan
View Profile
(323) 682-0385
Closed Now
11845 W Olympic Blvd Suite 1100, Los Angeles, CA 90064, USA
General Services
Refinancing Services
10

THINK Mortgage

THINK Mortgage focuses on guiding clients through home loans with clear communication and personalized support. The team assists with residential lending and refinancing, often praised for responsiveness and making the process straightforward. Some clients note occasional issues, but the staff works to resolve them promptly.

Services & Prices
Home Purchase Loan Quoted per loan
Cash-Out Refinance Quoted per loan
Rate and Term Refinance Quoted per loan
Short-Term Financing Quoted per loan
View Profile
(888) 469-4008
Closed Now
5455 Wilshire Blvd #2120, Los Angeles, CA 90036, USA
General Services
Mortgage Services

Los Angeles Mortgage Statistics

Home-purchase lending in Los Angeles County and home costs in Los Angeles, 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 Los Angeles, the median home is worth $921,200 and 70% of owners have a mortgage, paying a median $3,497 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
$921,200CA $734,700
Monthly cost with a mortgage
$3,497median · 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% · 47% of them spend 30%+ of income on housing
Median household income
$81,939 (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.

Los Angeles Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Henry Wilkes - Wilkes Mortgage Group VA • FHA • Conventional Financing Specialist 5.0 207 — (818) 582-2380 Visit
2 PierPoint Mortgage 5.0 40 — (323) 986-4400 Visit
3 Scott Griffin Financial 5.0 100 Quoted per loan (818) 207-2688 Visit
4 Vault Mortgage Group 4.9 100 Quoted per loan (310) 481-8990 Visit
5 Sunset Lending & Realty (SLR) 5.0 83 Quoted per loan (818) 651-0340 Visit
6 Aragon Lending Team - Trusted Mortgage Pros 4.9 76 Quoted per loan (310) 491-5958 Visit
7 HILLHURST MORTGAGE 4.9 56 Quoted per loan (323) 522-1020 Visit
8 Shannon Christenot 5.0 54 Quoted per loan (818) 601-2231 Visit
9 Bill Rayman Home Mortgages 4.9 22 Quoted per loan (323) 682-0385 Visit
10 THINK Mortgage 4.8 17 Quoted per loan (888) 469-4008 Visit

How this Los Angeles 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 qualify for using income, debts, down payment, interest rate, and buyer status. It's a starting point, not a guarantee.
What is the debt-to-income ratio for mortgages in California?
Lenders often cap housing costs at 31% and total debt at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a mortgage in Los Angeles?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does a 7.40% interest rate affect affordability?
Higher rates increase monthly payments, reducing the home price you can afford. Rates change weekly, so check current averages.
How do debts affect my mortgage qualification?
Higher monthly debts reduce the mortgage amount you qualify for, as lenders consider total debt-to-income ratios when approving loans.
What is the property tax rate in California?
Property tax is about 0.69% of the home's value annually in California, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate estimate. Pre-qualification is an initial estimate without verification.
Do I need private mortgage insurance (PMI) in Los Angeles?
If your down payment is under 20% on a conventional loan, PMI is typically required, costing about 0.6% of the loan annually.
How much house can I afford on a 100k salary in Los Angeles?
Affordability depends on your debts, down payment, and interest rate. Use the calculator to estimate based on your specific financial situation.
How accurate is the mortgage affordability calculator?
It's a helpful estimate, but a lender's pre-approval will provide a more accurate figure by verifying your financial details.

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