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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in California
  4. Oakland
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Oakland, CA

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.

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 Oakland

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

1

Brady Thomas | LaSalle Mortgage - NMLS #396946

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
ADU Financing Quoted per loan
Conventional Loans Quoted per loan
View Profile
(510) 501-0504
Open 9:00 AM - 5:00 PM
4200 Broadway Ste 2, Oakland, CA 94611
General Services
Mortgage Services
2

Vic Joshi's Straight Deal Mortgage

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.

View Profile
(510) 655-2868
Open 7:00 AM - 10:00 PM
4811 Telegraph Ave APT 511, Oakland, CA 94609
3

Joey Wolf - Loan Advisor - NMLS#1559990

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.

Services & Prices
Mortgage Advice Quoted per loan
Mortgage Refinancing Quoted per loan
Tailored Home Loan Solutions Quoted per loan
Guided Home Buying Process Quoted per loan
View Profile
(510) 629-0378
Open 8:00 AM - 5:30 PM
4200 Broadway Ste 2, Oakland, CA 94611
General Services
Mortgage Services
4

Levias Lending LLC

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate-and-Term Refinancing Quoted per loan
View Profile
(510) 929-7234
Open 10:00 AM - 5:00 PM
5608 Shattuck Ave., Oakland, CA 94609
General Services
Home Loans
5

Brenda Wyatt

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.

Services & Prices
Pre-Approval Quoted per loan
Mortgage Quotes Quoted per loan
View Profile
(510) 761-7071
Open 8:00 AM - 5:00 PM
4200 Broadway Ste 2, Oakland, CA 94611
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Westin Miller

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.

Services & Prices
Loan Closing Coordination Quoted per loan
Property Valuation $200 - $500
Market Trend Analysis $100 - $300
Sales Comparison Report $150 - $400
View Profile
(415) 686-4798
Open 8:00 AM - 6:00 PM
4200 2 2 Broadway, Oakland, CA 94611
General Services
Home Loans
7

Citi Capital Mortgage Company

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.

Services & Prices
Mortgage Refinancing Quoted per loan
Mortgage Rate Securing Quoted per loan
View Profile
(415) 360-2703
Open 9:00 AM - 7:00 PM
300 Frank H. Ogawa Plaza Ste 250, Oakland, CA 94612
General Services
Mortgage Services
8

Holmgren & Associates

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.

Services & Prices
Loan Application Assistance $10 - $20
Pre-approval Consultation $20 - $30
Loan Processing $50 - $100
Market Analysis $100 - $200
View Profile
(510) 339-2121
Open 8:30 AM - 5:30 PM
4200 Broadway, Oakland, CA 94611
General Services
Mortgage Services
9

LaSalle Mortgage

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
VA Loans Quoted per loan
View Profile
(510) 339-4300
Open 9:00 AM - 5:00 PM
4200 Broadway Ste 2, Oakland, CA 94611
General Services
Mortgage Lending
10

Quiana Petry

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.

View Profile
(209) 589-9735
Open 8:00 AM - 6:00 PM
4200 2 Broadway, Oakland, CA 94611

Oakland Mortgage Statistics

Home-purchase lending in Alameda County and home costs in Oakland, CA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
9,676▼ 6%10,288 in 2024
Denial rate
9%CA 12%
Median home value
$929,900CA $734,700
Monthly cost with a mortgage
$3,684median · CA $2,946
Refinance loans made (Alameda County, 2025)
8,720 · 5,395 in 2024
Home-improvement loans made (2025)
1,865
Average home-purchase loan
$898,000 (CA $711,000)
Owners with a mortgage
73% · 38% of them spend 30%+ of income on housing
Median household income
$101,600 (CA $99,122)

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.

Oakland Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Oakland 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

8 questions
How does the Oakland mortgage affordability calculator work?
It estimates the highest home price you can afford using your income, debts, down payment, interest rate, and first-time buyer status. It includes PMI and property tax.
What is the debt-to-income ratio for mortgages in California?
Lenders usually cap housing costs at 31% of gross monthly income and total debts at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in Oakland?
For conventional loans, it's 3%. FHA loans require 3.5%. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, affecting affordability.
How do debts impact my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt-to-income ratios.
What is the property tax rate in California?
The average property tax rate is about 0.69% of the home's value per year 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 real borrowing limit. Pre-qualification is an initial estimate.
What role does a mortgage broker play?
A mortgage broker helps you find and apply for loans, comparing options from different lenders to suit your needs.

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