×

Review Keywords Analysis

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

Mortgage Affordability Calculator Orange, CA

How much house can you afford in Orange? 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 Orange

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

1

Coastal Pacific Lending Inc.

Coastal Pacific Lending focuses on personalized mortgage guidance to help clients find loan options that suit their needs. Their team assists with home purchase loans and refinancing, working with multiple lenders to compare rates and terms. Customers appreciate their clear communication and support throughout the often complex mortgage process.

View Profile
(888) 214-8618
Closed Now
1100 W Town and Country Rd Suite 1250, Orange, CA 92868
2

All Reverse Mortgage, Inc. (ARLO™)

Specializing exclusively in reverse mortgages since 2004, All Reverse Mortgage, Inc. (ARLO™) offers FHA-insured HECM loans, jumbo reverse mortgages, and refinancing options tailored to California homeowners aged 62 and older. Customers appreciate the clear explanations and helpful tools, though some note occasional communication challenges during the application process.

View Profile
(800) 565-1722
Closed Now
2019 W Chapman Ave, Orange, CA 92868
3

Loan Exchange LLC

The Loan Exchange specializes in first-lien mortgage refinancing with a focus on transparency and clear communication. They assist homeowners in securing lower interest rates, adjusting loan terms, and accessing cash-out refinancing to better fit financial goals. Clients appreciate the team’s guidance throughout the process, though some note occasional challenges that are handled with care.

Services & Prices
Home Refinance Quoted per loan
Cash-Out Refinance Quoted per loan
Rate & Term Refinance Quoted per loan
View Profile
(833) 562-6392
Closed Now
1 City Blvd W Ste 1700, Orange, CA 92868
General Services
Refinancing
4

First Place Home Loans, Inc.

Known for clear communication and personalized support, this mortgage broker guides clients through every step of home financing with patience and transparency. The team helps with purchase loans, refinancing, and insurance bundling, often easing complex situations. Customers appreciate their responsiveness and straightforward approach, though some note the process can require careful timing.

Services & Prices
Mortgage Rate Comparison Quoted per loan
View Profile
(877) 840-2200
Open 7:30 AM - 9:00 PM
1740 W Katella Ave Ste B, Orange, CA 92867
General Services
Mortgage Services
5

Trademark Lending DBA Upfront Home Loans

Upfront Home Loans focuses on fast, personalized mortgage solutions with a transparent, fully online application process. They offer home purchase loans, refinancing, and cash-out options, providing tools like pre-approval letters and rate comparisons. Clients appreciate the team’s responsiveness and clear communication throughout the loan process.

View Profile
(877) 769-8345
Closed Now
1111 E Katella Ave #210, Orange, CA 92867
Where they are 10 on the map Click a pin for the profile and directions
6

One True Loan, Inc.

Known for its transparent and responsive approach, One True Loan helps clients navigate mortgage options with clear guidance and steady communication. The team assists with purchase planning, refinancing, and various loan programs like VA and FHA, aiming to keep clients informed throughout. Customers appreciate the smooth process and attentive support, though some note the experience depends on… more...

Known for its transparent and responsive approach, One True Loan helps clients navigate mortgage options with clear guidance and steady communication. The team assists with purchase planning, refinancing, and various loan programs like VA and FHA, aiming to keep clients informed throughout. Customers appreciate the smooth process and attentive support, though some note the experience depends on individual agents.

Services & Prices
First-Time Home Buyer Assistance Quoted per loan
Loan Application Process Quoted per loan
Refinancing Options Quoted per loan
View Profile
(800) 685-5576
Closed Now
333 City Blvd W #1700, Orange, CA 92868
General Services
Mortgage Services
7

Kien Tran - Mortgage Broker - West Capital Lending

West Capital Lending operates as a wholesale mortgage broker, offering access to over 90 lenders for competitive pricing and a wide range of loan options. Their team guides clients through home purchases, refinancing, and HELOCs with a consultative approach and responsive communication. Customers appreciate the clear, patient guidance throughout the process, though some note the intensity of… more...

West Capital Lending operates as a wholesale mortgage broker, offering access to over 90 lenders for competitive pricing and a wide range of loan options. Their team guides clients through home purchases, refinancing, and HELOCs with a consultative approach and responsive communication. Customers appreciate the clear, patient guidance throughout the process, though some note the intensity of paperwork involved.

Services & Prices
Mortgage Rate Comparison Quoted per loan
View Profile
(949) 229-0340
Closed Now
2200 W Orangewood Ave, Orange, CA 92868
General Services
Mortgage Brokerage
8

Mulberry Street Mortgage

Mulberry Street Mortgage specializes in Non-QM loan products designed for clients with unique financial situations. They offer a wide range of mortgage options, including FHA, VA, jumbo loans, and refinancing solutions, while partnering with credit experts to assist those with challenged credit. Customers appreciate the team’s clear communication and steady support throughout the process, though… more...

Mulberry Street Mortgage specializes in Non-QM loan products designed for clients with unique financial situations. They offer a wide range of mortgage options, including FHA, VA, jumbo loans, and refinancing solutions, while partnering with credit experts to assist those with challenged credit. Customers appreciate the team’s clear communication and steady support throughout the process, though some note the complexity of paperwork involved.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(714) 501-0639
Open 9:00 AM - 6:30 PM
2140 W Chapman Ave #260, Orange, CA 92868
General Services
Mortgage Services
9

The Mortgage Company

The Mortgage Company stands out for comparing offers from over 175 lenders to find competitive rates and terms. They provide a range of mortgage services, including home purchase, refinance, investor financing, and specialized loans like Non-QM and DSCR, with pre-approvals in as little as 24 hours. Customers appreciate the team’s patience, helpfulness, and clear guidance throughout the process.

View Profile
(888) 452-9001
Closed Now
3505 E Chapman Ave Ste C, Orange, CA 92869
10

Mark 1 Mortgage and Real Estate - Sandra Baughman

With over 20 years of experience, Mark 1 Mortgage and Real Estate - Sandra Baughman specializes in purchase and refinance loans for both residential and commercial clients. The team is known for clear communication, quick responses, and guiding customers smoothly through complex transactions, though some find timing tight during closings.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Cash-Out Refinancing Quoted per loan
View Profile
(949) 806-6889
Open 9:00 AM - 8:30 PM
1342 E Chapman Ave, Orange, CA 92866
General Services
Home Purchase Loans

Orange Mortgage Statistics

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

Lenders made 16,222 home-purchase loans in Orange County in 2025 (average about $980,000) and denied 2,251 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Orange, the median home is worth $945,800 and 72% of owners have a mortgage, paying a median $3,339 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
16,222▼ 2%16,522 in 2024
Denial rate
12%CA 12%
Median home value
$945,800CA $734,700
Monthly cost with a mortgage
$3,339median · CA $2,946
Refinance loans made (Orange County, 2025)
18,994 · 12,896 in 2024
Home-improvement loans made (2025)
5,251
Average home-purchase loan
$980,000 (CA $711,000)
Owners with a mortgage
72% · 37% of them spend 30%+ of income on housing
Median household income
$117,113 (CA $99,122)

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

Orange Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Coastal Pacific Lending Inc. 5.0 411 — (888) 214-8618 Visit
2 All Reverse Mortgage, Inc. (ARLO™) 4.9 415 — (800) 565-1722 Visit
3 Loan Exchange LLC 5.0 241 Quoted per loan (833) 562-6392 Visit
4 First Place Home Loans, Inc. 5.0 158 Quoted per loan (877) 840-2200 Visit
5 Trademark Lending DBA Upfront Home Loans 5.0 139 — (877) 769-8345 Visit
6 One True Loan, Inc. 5.0 64 Quoted per loan (800) 685-5576 Visit
7 Kien Tran - Mortgage Broker - West Capital Lending 5.0 59 Quoted per loan (949) 229-0340 Visit
8 Mulberry Street Mortgage 5.0 48 Quoted per loan (714) 501-0639 Visit
9 The Mortgage Company 4.8 46 — (888) 452-9001 Visit
10 Mark 1 Mortgage and Real Estate - Sandra Baughman 5.0 12 Quoted per loan (949) 806-6889 Visit

How this Orange 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 highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes mortgage, PMI, and property tax.
What debt-to-income ratio do lenders use in California?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income, following FHA and Qualified Mortgage standards.
What's the minimum down payment for a mortgage in Orange, CA?
For first-time buyers, it's 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect my mortgage in California?
With less than 20% down on a conventional loan, PMI is added, roughly 0.6% of the loan annually. It can be removed once you owe less than 80% of the home's value.
How do interest rates impact my affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator, changing weekly.
How do my debts affect how much I can borrow?
Higher monthly debt payments reduce the mortgage amount you qualify for, as lenders cap total debt payments at 43% of gross income.
What is the property tax rate in Orange, CA?
Property tax is approximately 0.69% of the home's value annually in California, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate borrowing limit. Pre-qualification is a preliminary estimate.
What does a mortgage broker do?
A mortgage broker helps find and negotiate loan terms with lenders on your behalf, streamlining the mortgage process.

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