How much house can you afford in Modesto? 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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Next Gen Home Loans
5.0 · 448 reviews · Free pre-approval
Get pre-approved →
Alex The Lender
5.0 · 165 reviews · Free pre-approval
Get pre-approved →
Academy Mortgage - Modesto
5.0 · 142 reviews · Free pre-approval
Get pre-approved →
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 →
Next Gen Home Loans specializes in culturally informed, bilingual mortgage guidance tailored to diverse communities, including Latino families. Their team offers personalized support through fixed and adjustable-rate mortgage options, with clients appreciating clear communication and advocacy throughout the home-buying process. Some find the process detailed but well explained.
Known for a fast and patient approach, Alex The Lender helps clients navigate the mortgage process with clear communication and support. The team specializes in pre-approvals and guiding first-time homebuyers through each step. Customers appreciate the friendly, knowledgeable service and responsiveness, even during late hours.
Known for patient guidance and clear communication, Academy Mortgage - Modesto helps first-time homebuyers navigate the mortgage process with professionalism and care. The team offers personalized mortgage solutions and is appreciated for making the experience smoother and less stressful. Some customers note the process can take time, but the support remains consistent throughout.
Ed Parcaut - Mortgage Broker - Lending For Living specializes in VA loans with a focus on clear communication and a smooth lending process. The team assists with purchase and refinance loans, often praised for responsiveness and thorough explanations. Some customers note the process can take time, but appreciate the consistent updates and support throughout.
NorCal Mortgage specializes in connecting clients with competitive wholesale mortgage rates through an online, boutique approach. They assist first-time buyers, investors, and those refinancing by offering a wide range of loan options and personalized guidance. Customers appreciate their clear communication and responsiveness, though the fully online process may feel less hands-on for some.
Known for responsive and clear communication, this team guides clients smoothly through home financing with a range of mortgage options including first-time buyer programs, refinancing, and specialized loans. Customers appreciate their knowledgeable, kind approach and proactive support, often noting relief after previous frustrating lender experiences.
MortgageDadOf3 specializes in mortgage education, offering clear, jargon-free guidance to help buyers and homeowners understand complex mortgage options. The platform provides tools like calculators, down-payment assistance resources, and personalized consultations, with a focus on empowering users rather than pushing sales. Customers appreciate the team’s responsiveness and thorough support… more...
MortgageDadOf3 specializes in mortgage education, offering clear, jargon-free guidance to help buyers and homeowners understand complex mortgage options. The platform provides tools like calculators, down-payment assistance resources, and personalized consultations, with a focus on empowering users rather than pushing sales. Customers appreciate the team’s responsiveness and thorough support, especially when challenges arise.
Family-owned since 1968, Alameda Mortgage Corporation offers a wide range of home loan options, including FHA, VA, USDA, and jumbo loans, tailored to fit various financial needs. Clients appreciate their clear communication, quick closing times, and convenient online portal, though some note the process can require careful document preparation.
Known for its rapid pre-approval process, The Mortgage Dr helps clients move quickly through home purchases and refinancing with clear guidance. The team is accessible via multiple communication channels and works to explore all options, often praised for their responsiveness and willingness to support buyers through challenges.
Carrollton Mortgage Co is known for its thoughtful, personalized mortgage guidance that helps clients feel confident throughout the financing process. The team offers a range of mortgage options and takes time to explain each step clearly, which many customers appreciate, especially first-time homebuyers. Their responsiveness and genuine care are often highlighted in reviews.
Lenders made 4,079 home-purchase loans in Stanislaus County in 2025 (average about $411,000) and denied 554 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Modesto, the median home is worth $442,700 and 66% of owners have a mortgage, paying a median $2,099 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Stanislaus 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 | Next Gen Home Loans | 5.0 | 448 | Quoted per loan | (209) 653-0638 | Visit |
| 2 | Alex The Lender | 5.0 | 165 | — | (209) 756-6479 | — |
| 3 | Academy Mortgage - Modesto | 5.0 | 142 | — | (209) 809-2312 | Visit |
| 4 | Ed Parcaut - Mortgage Broker - Lending For Living | 5.0 | 81 | Quoted per loan | (209) 846-9270 | Visit |
| 5 | NorCal Mortgage | 5.0 | 77 | Quoted per loan | (800) 579-3768 | Visit |
| 6 | Sondra Yates, CrossCountry Mortgage | 5.0 | 73 | — | (209) 495-3562 | Visit |
| 7 | Josh Dobson - MortgageDadof3 | 4.9 | 69 | — | (209) 988-9284 | Visit |
| 8 | Alameda Mortgage Corporation | 5.0 | 62 | — | (209) 568-4941 | Visit |
| 9 | THE MORTGAGE DR | 4.7 | 39 | — | (209) 210-1840 | Visit |
| 10 | Carrollton Mortgage Co | 5.0 | 14 | — | (209) 526-6200 | 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.