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Review Keywords Analysis

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

Mortgage Affordability Calculator Palmdale, CA

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.

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 Palmdale

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

1

GEM Mortgage

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.

View Profile
(661) 949-3388
Closed Now
41331 12th St W #102, Palmdale, CA 93551
2

Carlos Lopez - Clear To Close Home Loans

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.

View Profile
(661) 641-4966
Closed Now
445 W Palmdale Blvd O, Palmdale, CA 93551
3

NEO HOME LOANS (Ryan Morrow)

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.

View Profile
(661) 902-0275
Closed Now
624 Commerce Ave Suite C, Palmdale, CA 93551
4

Premier Mortgage Xpress

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
First-Time Home Buyer Programs Quoted per loan
View Profile
(661) 237-3725
Closed Now
1401 W Rancho Vista Blvd Ste C, Palmdale, CA 93551
General Services
Mortgage Services
5

New American Funding - Terry J. Viera-Podorski

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.

View Profile
(661) 674-1065
Closed Now
3011 Rancho Vista Blvd ste A, Palmdale, CA 93551
Where they are 10 on the map Click a pin for the profile and directions
6

Gabriella Godde California Mortgage Girl

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.

View Profile
(661) 713-3460
Closed Now
2204 W Ave M12, Palmdale, CA 93551
7

All American Financial Services

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.

Services & Prices
Home Loan Quoted per loan
Refinance Loan Quoted per loan
Second Mortgage Quoted per loan
View Profile
(661) 949-6681
Closed Now
530 Commerce Ave, Palmdale, CA 93551
General Services
Loan Services
8

New American Funding

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.

View Profile
(661) 219-0689
Closed Now
3011 Rancho Vista Blvd ste A, Palmdale, CA 93551
9

Exclusive Mortgage Company

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.

View Profile
(661) 403-7000
Closed Now
1061 W Ave M-14, Palmdale, CA 93551
10

Financial Independence Mortgage: Dean Henderson

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.

View Profile
(661) 726-9000
Closed Now
536 E Palmdale Blvd, Palmdale, CA 93550

Palmdale Mortgage Statistics

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

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).

Home-purchase loans, 2025
42,509▼ 1%43,093 in 2024
Denial rate
13%CA 12%
Median home value
$471,000CA $734,700
Monthly cost with a mortgage
$2,384median · CA $2,946
Refinance loans made (Los Angeles County, 2025)
42,471 · 30,893 in 2024
Home-improvement loans made (2025)
10,516
Average home-purchase loan
$923,000 (CA $711,000)
Owners with a mortgage
75% · 46% of them spend 30%+ of income on housing
Median household income
$81,770 (CA $99,122)

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.

Palmdale Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Palmdale 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 for Palmdale work?
It calculates the highest home price you can qualify for using your income, debts, down payment, interest rate, and buyer status.
What is the debt-to-income ratio limit for mortgages in California?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What is the minimum down payment for a home in Palmdale?
First-time buyers need at least 3% for conventional loans or 3.5% for FHA loans; VA and USDA loans can allow 0% down.
How does PMI affect my mortgage in California?
If your down payment is under 20%, PMI adds about 0.6% of the loan per year until the balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do existing debts affect my mortgage qualification?
Existing debts reduce the amount you can borrow, as total debt payments are capped at 43% of your gross monthly income.
What are property taxes like in Palmdale, California?
Property tax is about 0.69% of the home's value annually, based on California's 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, while pre-qualification is an initial estimate without verification.
What role does a mortgage broker play in Palmdale?
A mortgage broker helps you find loan options and navigate the mortgage process, but this calculator is independent of brokers.

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