How much house can you afford in Oakland? 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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Brady Thomas | LaSalle Mortgage - NMLS #396946
5.0 · 471 reviews · Free pre-approval
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Vic Joshi's Straight Deal Mortgage
5.0 · 227 reviews · Free pre-approval
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Joey Wolf - Loan Advisor - NMLS#1559990
5.0 · 94 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 →
LaSalle Mortgage holds an active NMLS license (#396946) and is known for its deep knowledge of the Bay Area real estate market, especially its fast-paced, unique conditions. The team assists with home purchases, refinancing, and construction loans, guiding clients patiently through each step. Customers appreciate their responsiveness and clear communication, though the fast closing timeline can… more...
LaSalle Mortgage holds an active NMLS license (#396946) and is known for its deep knowledge of the Bay Area real estate market, especially its fast-paced, unique conditions. The team assists with home purchases, refinancing, and construction loans, guiding clients patiently through each step. Customers appreciate their responsiveness and clear communication, though the fast closing timeline can be a key focus.
With over 25 years of experience and BBB accreditation, Vic Joshi’s Straight Deal Mortgage offers personalized mortgage guidance for a wide range of clients, including first-time buyers, veterans, and those refinancing. The team is known for clear communication and steady support throughout the loan process, though some clients note the thorough pace may feel slow.
Licensed under NMLS#1559990, this mortgage advisor specializes in guiding clients through the home loan process with clear communication and personalized solutions. The team handles everything from initial consultation to closing, often praised for responsiveness and making complex steps easier to understand. Some clients note a fast-paced schedule, but overall the experience is described as… more...
Licensed under NMLS#1559990, this mortgage advisor specializes in guiding clients through the home loan process with clear communication and personalized solutions. The team handles everything from initial consultation to closing, often praised for responsiveness and making complex steps easier to understand. Some clients note a fast-paced schedule, but overall the experience is described as smooth and supportive.
Known for guiding clients through a hassle-free home loan process, Levias Lending LLC offers personalized support from application to closing. They specialize in helping individuals transition from renting to owning, providing free consultations and an easy pre-approval system. Customers appreciate the team’s responsiveness and clear communication throughout the mortgage journey.
Specializing in quick and responsive mortgage approvals, Brenda Wyatt and her team help clients navigate home financing with clear communication and organized processes. They offer pre-approval without a hard credit pull and use secure verification methods, making the experience straightforward and less stressful. Customers appreciate their attentiveness and professionalism throughout each step.
Known for guiding clients through complex home-buying scenarios, Westin Miller offers personalized mortgage brokerage with clear communication and expert advice. The team handles everything from pre-approval to closing, often praised for responsiveness and making challenging transactions feel manageable. Some clients note the process can be detailed, but the support remains steady throughout.
Citi Capital Mortgage Company is known for attentive, personalized guidance through refinancing and home buying. The team helps clients navigate complex processes with clear explanations and steady support, often easing stressful situations. Customers appreciate their professionalism and availability, though the experience can require patience due to detailed steps.
Holmgren & Associates is known for guiding clients through the home loan process with clear communication and genuine care. Their team handles everything from loan options to closing details, often praised for patience and support during stressful times. Some clients note occasional delays but appreciate being kept informed throughout.
LaSalle Mortgage is known for clear communication and hands-on support throughout the home-buying process. The team assists with mortgage lending by explaining options, securing competitive rates, and managing documentation efficiently. Customers appreciate their responsiveness and the smooth, timely closings they help facilitate.
Licensed under the California Residential Mortgage Lending Act, this mortgage broker offers a full range of services from pre-approval to closing, helping clients navigate buying or refinancing a home. The team provides clear guidance and stays responsive throughout the process, with clients appreciating their communication and thorough support.
Lenders made 9,676 home-purchase loans in Alameda County in 2025 (average about $898,000) and denied 960 — 9% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Oakland, the median home is worth $929,900 and 73% of owners have a mortgage, paying a median $3,684 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Alameda 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 | Brady Thomas | LaSalle Mortgage - NMLS #396946 | 5.0 | 471 | Quoted per loan | (510) 501-0504 | Visit |
| 2 | Vic Joshi's Straight Deal Mortgage | 5.0 | 227 | — | (510) 655-2868 | Visit |
| 3 | Joey Wolf - Loan Advisor - NMLS#1559990 | 5.0 | 94 | Quoted per loan | (510) 629-0378 | — |
| 4 | Levias Lending LLC | 5.0 | 61 | Quoted per loan | (510) 929-7234 | Visit |
| 5 | Brenda Wyatt | 5.0 | 52 | Quoted per loan | (510) 761-7071 | Visit |
| 6 | Westin Miller | 5.0 | 40 | $100 | (415) 686-4798 | Visit |
| 7 | Citi Capital Mortgage Company | 5.0 | 35 | Quoted per loan | (415) 360-2703 | Visit |
| 8 | Holmgren & Associates | 5.0 | 24 | $10 | (510) 339-2121 | — |
| 9 | LaSalle Mortgage | 5.0 | 21 | Quoted per loan | (510) 339-4300 | Visit |
| 10 | Quiana Petry | 5.0 | 20 | — | (209) 589-9735 | 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.