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Review Keywords Analysis

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

Mortgage Affordability Calculator Oceanside, CA

How much house can you afford in Oceanside? 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 Oceanside

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

1

North Coast Financial, Inc. Hard Money Lenders

Specializing in trust, estate, and bridge loans, North Coast Financial offers fast, straightforward hard money lending with clear communication throughout the process. Customers appreciate the team’s responsiveness and calm guidance, especially during complex or time-sensitive situations, making it easier to navigate financing challenges.

Services & Prices
Bridge Mortgage Loan Quoted per loan
Trust Loan Quoted per loan
Investment Property Loan Quoted per loan
View Profile
(760) 722-2991
Closed Now
2424 Vista Way Unit 202, Oceanside, CA 92054
General Services
Mortgage Loans
2

Pacific Coast Home Mortgage & Real Estate Inc

Known for responsive, around-the-clock communication, Pacific Coast Home Mortgage & Real Estate Inc specializes in guiding first-time and experienced homebuyers through mortgage lending. The team handles everything from pre-approval to closing, with clients appreciating their clear explanations and persistence through complex situations. Some find the process demanding, but the team stays… more...

Known for responsive, around-the-clock communication, Pacific Coast Home Mortgage & Real Estate Inc specializes in guiding first-time and experienced homebuyers through mortgage lending. The team handles everything from pre-approval to closing, with clients appreciating their clear explanations and persistence through complex situations. Some find the process demanding, but the team stays accessible throughout.

Services & Prices
Pre-Approval Quoted per loan
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(888) 893-7775
Closed Now
900 Pier View Wy, Oceanside, CA 92054
General Services
Mortgage Lending
3

Eagle Nest Realty & Mortgage Inc.

Known for guiding first-time buyers and veterans through competitive markets, Eagle Nest Realty & Mortgage Inc. offers both realty and mortgage services with clear, thorough communication. Customers appreciate the team’s patience in explaining options and their ability to save money on loans, though some note the process can be detailed and involved.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(760) 420-2931
Closed Now
4167 Avenida De La Plata #104, Oceanside, CA 92056
General Services
Mortgage Services
4

Home Mortgage Experts

Known for approving loans with credit scores as low as 500, Home Mortgage Experts works with over 40 wholesale lenders to offer a wide range of home loan options. Their services include purchase loans, refinancing, and specialized products like Bank Statement Loans and DSCR Investment Property Loans. Clients appreciate their clear communication and fast closing times, though the process can… more...

Known for approving loans with credit scores as low as 500, Home Mortgage Experts works with over 40 wholesale lenders to offer a wide range of home loan options. Their services include purchase loans, refinancing, and specialized products like Bank Statement Loans and DSCR Investment Property Loans. Clients appreciate their clear communication and fast closing times, though the process can require patience due to loan complexity.

Services & Prices
Home Refinancing Quoted per loan
Interest Rate Reduction Quoted per loan
IRRRL Refinance Quoted per loan
Closing Cost Estimates Quoted per loan
View Profile
(866) 411-5472
Closed Now
2103 S El Camino Real #108, Oceanside, CA 92054
General Services
Mortgage Services
5

Revolution Mortgage Oceanside

Known for attentive communication and thoughtful guidance, Revolution Mortgage Oceanside helps clients navigate home loans and refinancing with clear explanations and timely updates. The team offers personalized mortgage solutions and occasionally assists with insurance quotes. Customers appreciate their professionalism and responsiveness throughout the process.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(858) 602-0010
Closed Now
212 N Freeman St, Oceanside, CA 92054
General Services
Home Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Nick Rodriguez at CrossCountry Mortgage

CrossCountry Mortgage specializes in a wide range of home loan options, including VA, FHA, USDA, and conventional mortgages, with particular expertise in veteran financing. The team guides clients through each step, offering clear explanations and tailored solutions. Customers appreciate their knowledgeable approach and helpful resources, though some find the variety of programs a bit… more...

CrossCountry Mortgage specializes in a wide range of home loan options, including VA, FHA, USDA, and conventional mortgages, with particular expertise in veteran financing. The team guides clients through each step, offering clear explanations and tailored solutions. Customers appreciate their knowledgeable approach and helpful resources, though some find the variety of programs a bit overwhelming at first.

View Profile
(619) 304-3888
Open 00:00 - 23:59
805 College Blvd #103, Oceanside, CA 92057
7

Maximum Mortgage & Real Estate, Inc.

Known for clear communication and a straightforward mortgage process, Maximum Mortgage & Real Estate, Inc. offers mortgage and real estate services with a focus on responsiveness and professionalism. Customers appreciate the team’s honesty and helpfulness, though some have noted concerns about frequent unsolicited calls.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(760) 301-5758
Closed Now
603 Seagaze Dr #525, Oceanside, CA 92054
General Services
Mortgage Brokerage
8

Sea Monster Loans / C2 Financial Corporation

Sea Monster Loans / C2 Financial Corporation specializes in guiding clients through home financing with clear communication and genuine care. Their team offers mortgage solutions tailored to individual needs, helping buyers navigate Southern California’s market without surprises. Customers appreciate their transparency, patience, and hands-on support throughout the loan process.

Services & Prices
Rate Comparison Quoted per loan
View Profile
(760) 814-1882
Closed Now
0 Pier View Wy, Oceanside, CA 92054
General Services
Mortgage Services
9

Golden Coast Loans, Inc.

With over 50 years of combined experience, Golden Coast Loans offers a wide range of home loan options, including VA, FHA, Jumbo, and specialized programs for self-employed and medical professionals. The team is known for clear communication and guiding clients patiently through each step, though some may find their responsiveness varies outside typical business hours.

View Profile
(949) 705-7702
Closed Now
3402 Piazza De Oro Way STE 250, Oceanside, CA 92056
10
View Profile
(760) 439-5243
Closed Now
2110 S Coast Hwy # H, Oceanside, CA 92054

Oceanside Mortgage Statistics

Home-purchase lending in San Diego County and home costs in Oceanside, CA (latest HMDA and Census data)

Lenders made 21,384 home-purchase loans in San Diego County in 2025 (average about $816,000) and denied 2,882 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Oceanside, the median home is worth $770,300 and 69% of owners have a mortgage, paying a median $2,907 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
21,384▼ 3%21,968 in 2024
Denial rate
12%CA 12%
Median home value
$770,300CA $734,700
Monthly cost with a mortgage
$2,907median · CA $2,946
Refinance loans made (San Diego County, 2025)
20,234 · 13,920 in 2024
Home-improvement loans made (2025)
5,986
Average home-purchase loan
$816,000 (CA $711,000)
Owners with a mortgage
69% · 41% of them spend 30%+ of income on housing
Median household income
$97,737 (CA $99,122)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in San Diego County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Oceanside Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 North Coast Financial, Inc. Hard Money Lenders 5.0 74 Quoted per loan (760) 722-2991 Visit
2 Pacific Coast Home Mortgage & Real Estate Inc 5.0 54 Quoted per loan (888) 893-7775 Visit
3 Eagle Nest Realty & Mortgage Inc. 5.0 48 Quoted per loan (760) 420-2931 Visit
4 Home Mortgage Experts 5.0 41 Quoted per loan (866) 411-5472 Visit
5 Revolution Mortgage Oceanside 5.0 40 Quoted per loan (858) 602-0010 Visit
6 Nick Rodriguez at CrossCountry Mortgage 5.0 35 — (619) 304-3888 Visit
7 Maximum Mortgage & Real Estate, Inc. 4.2 24 Quoted per loan (760) 301-5758 Visit
8 Sea Monster Loans / C2 Financial Corporation 5.0 11 Quoted per loan (760) 814-1882 Visit
9 Golden Coast Loans, Inc. 5.0 4 — (949) 705-7702 Visit
10 Mortgagehelpers 5.0 1 — (760) 439-5243 —

How this Oceanside 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

9 questions
How does the mortgage affordability calculator work?
It estimates the maximum home price based on income, debts, down payment, interest rate, and first-time buyer status. It includes mortgage, PMI, and property tax.
How accurate is the Oceanside mortgage calculator?
It's a general estimate. For accuracy, a pre-approval is needed where lenders verify income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages?
Lenders typically cap housing costs at 31% of gross monthly income and total debts at 43%. Some loans may allow more with strong credit.
What's the minimum down payment for a California home?
First-time buyers can put down as little as 3% on conventional loans and 3.5% on FHA loans. 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 maximum home price you can afford. Rates start at 7.40% in this calculator.
How do debts impact mortgage qualification?
Higher monthly debts reduce the amount you can borrow. Lenders consider total debt payments, typically capped at 43% of gross monthly income.
What is the property tax rate in California?
The average property tax rate for owner-occupied homes in California is about 0.69% of the home's value per year.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, giving a more accurate borrowing limit. Pre-qualification is a preliminary estimate.
Do I need PMI with less than 20% down?
Yes, conventional loans require private mortgage insurance (PMI) if the down payment is under 20%. It can be removed once the loan balance is below 80% of the home's value.

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