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
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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.
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| After | Paid in total | Still owed |
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North Coast Financial, Inc. Hard Money Lenders
5.0 · 74 reviews · Free pre-approval
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Pacific Coast Home Mortgage & Real Estate Inc
5.0 · 54 reviews · Free pre-approval
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Eagle Nest Realty & Mortgage Inc.
5.0 · 48 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 | — |
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.