How much house can you afford in Palmdale? 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.
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 |
|---|
GEM Mortgage
5.0 · 120 reviews · Free pre-approval
Get pre-approved →
Carlos Lopez - Clear To Close Home Loans
5.0 · 117 reviews · Free pre-approval
Get pre-approved →
NEO HOME LOANS (Ryan Morrow)
4.9 · 91 reviews · Free pre-approval
Get pre-approved →
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 →
GEM Mortgage focuses on guiding clients through the escrow and loan process with clear communication and detailed support. The team helps buyers explore loan options and stays involved from start to finish, making complex steps easier to navigate. Customers appreciate their responsiveness and thoroughness throughout the transaction.
Clear To Close Home Loans specializes in helping first-time buyers and investors secure the right financing with a focus on smooth, hassle-free transactions. Their team offers a variety of loan options for purchases and refinancing, with clear communication and fast responses frequently noted by clients. Some find the process straightforward and quick, reflecting the team’s experience and… more...
Clear To Close Home Loans specializes in helping first-time buyers and investors secure the right financing with a focus on smooth, hassle-free transactions. Their team offers a variety of loan options for purchases and refinancing, with clear communication and fast responses frequently noted by clients. Some find the process straightforward and quick, reflecting the team’s experience and attention to customer goals.
NEO HOME LOANS (Ryan Morrow) focuses on guiding first-time homebuyers through the mortgage process with clear explanations and ongoing support after closing. The team helps clients understand loan options and financial details, aiming to make the experience straightforward and educational. Customers appreciate their patience and willingness to answer questions throughout the journey.
Known for clear communication and fast closings, Premier Mortgage Xpress helps clients navigate the mortgage process with ease. Their team offers responsive guidance and transparent pricing, making home financing straightforward. Customers appreciate the supportive approach, though a few note the fast pace may feel brisk for some.
Known for a personalized approach that treats clients like family, New American Funding - Terry J. Viera-Podorski focuses on guiding borrowers through home loans with care and clear communication. The team handles mortgage financing with attention to detail, ensuring a smooth process that many customers find reassuring and accessible.
With over 25 years of lending experience, California Mortgage Girl specializes in helping clients with complex financial situations, including self-employed borrowers and real estate investors. The team offers a wide range of loan options, from traditional mortgages to specialized programs like Bank Statement Loans and DSCR Investment Loans. Customers appreciate the knowledgeable, clear guidance… more...
With over 25 years of lending experience, California Mortgage Girl specializes in helping clients with complex financial situations, including self-employed borrowers and real estate investors. The team offers a wide range of loan options, from traditional mortgages to specialized programs like Bank Statement Loans and DSCR Investment Loans. Customers appreciate the knowledgeable, clear guidance and steady support throughout the mortgage process.
With over 30 years of experience and a strong commitment to ethical lending, All American Financial Services offers a wide range of loan options including commercial, construction, FHA, and private money loans. Clients appreciate the team’s clear communication and responsiveness, though some note occasional challenges with office hours.
New American Funding focuses on long-term client support by servicing about 80% of its loans after closing, which many customers find reassuring. They offer a range of mortgage products, including purchase loans, refinancing, and unique services like all-cash offers through NAF Cash and moving assistance via NAF Concierge. Reviews highlight clear communication and helpful guidance throughout the… more...
New American Funding focuses on long-term client support by servicing about 80% of its loans after closing, which many customers find reassuring. They offer a range of mortgage products, including purchase loans, refinancing, and unique services like all-cash offers through NAF Cash and moving assistance via NAF Concierge. Reviews highlight clear communication and helpful guidance throughout the loan process.
Exclusive Mortgage Company offers a personalized mortgage experience with a single point of contact throughout the loan process, helping first-time buyers, refinancers, and veterans navigate home financing. Their local, licensed team provides clear guidance on various loan options, and clients appreciate the attentive, straightforward communication. Some may find the process detailed but… more...
Exclusive Mortgage Company offers a personalized mortgage experience with a single point of contact throughout the loan process, helping first-time buyers, refinancers, and veterans navigate home financing. Their local, licensed team provides clear guidance on various loan options, and clients appreciate the attentive, straightforward communication. Some may find the process detailed but transparent.
With over 30 years of experience, Financial Independence Mortgage focuses on fast, efficient closings supported by competitive rates and streamlined online applications. The team offers a variety of mortgage options, guiding clients through both fixed and adjustable-rate loans. Customers appreciate the smooth process and responsive communication throughout.
Lenders made 42,509 home-purchase loans in Los Angeles County in 2025 (average about $923,000) and denied 6,267 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Palmdale, the median home is worth $471,000 and 75% of owners have a mortgage, paying a median $2,384 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Los Angeles 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 | GEM Mortgage | 5.0 | 120 | — | (661) 949-3388 | — |
| 2 | Carlos Lopez - Clear To Close Home Loans | 5.0 | 117 | — | (661) 641-4966 | Visit |
| 3 | NEO HOME LOANS (Ryan Morrow) | 4.9 | 91 | — | (661) 902-0275 | Visit |
| 4 | Premier Mortgage Xpress | 5.0 | 50 | Quoted per loan | (661) 237-3725 | Visit |
| 5 | New American Funding - Terry J. Viera-Podorski | 5.0 | 49 | — | (661) 674-1065 | Visit |
| 6 | Gabriella Godde California Mortgage Girl | 5.0 | 40 | — | (661) 713-3460 | Visit |
| 7 | All American Financial Services | 4.8 | 41 | Quoted per loan | (661) 949-6681 | Visit |
| 8 | New American Funding | 4.9 | 39 | — | (661) 219-0689 | Visit |
| 9 | Exclusive Mortgage Company | 4.7 | 15 | — | (661) 403-7000 | Visit |
| 10 | Financial Independence Mortgage: Dean Henderson | 4.9 | 11 | — | (661) 726-9000 | 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.