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
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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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Coastal Pacific Lending Inc.
5.0 · 411 reviews · Free pre-approval
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All Reverse Mortgage, Inc. (ARLO™)
4.9 · 415 reviews · Free pre-approval
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Loan Exchange LLC
5.0 · 241 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.