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  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in California
  4. Rancho Cucamonga
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Rancho Cucamonga, CA

How much house can you afford in Rancho Cucamonga? 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 Rancho Cucamonga

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

1

EZ Fundings Inc.

Known for a highly personalized approach, EZ Fundings Inc. helps clients navigate the mortgage process with clear communication and attentive support. Their team assists with home loan approvals, keeping borrowers informed and confident throughout. Customers appreciate their patience and dedication, though some note the process can feel overwhelming at times.

Services & Prices
Pre-approval Services Quoted per loan
View Profile
(909) 321-3650
Closed Now
10807 Laurel St #110, Rancho Cucamonga, CA 91730
General Services
Mortgage Brokerage
2

Edge Home Finance

With decades of experience serving Southern California since 1991, Edge Home Finance specializes in personalized mortgage guidance directly from the branch manager throughout the entire loan process. They offer a broad range of loan options—including FHA, VA, jumbo, renovation, and reverse mortgages—and are known for responsive communication and timely closings. Customers appreciate the clear… more...

With decades of experience serving Southern California since 1991, Edge Home Finance specializes in personalized mortgage guidance directly from the branch manager throughout the entire loan process. They offer a broad range of loan options—including FHA, VA, jumbo, renovation, and reverse mortgages—and are known for responsive communication and timely closings. Customers appreciate the clear answers and steady support, though some note the process can take time depending on individual circumstances.

View Profile
(626) 224-3375
Closed Now
10630 Town Center Dr #128A, Rancho Cucamonga, CA 91730
3

Mpower Mortgage - Jenese Bravo, Loan Officer

Mpower Mortgage specializes in guiding first-time homebuyers through the mortgage process with patience and clear communication. The team offers personalized loan options and is known for being accessible and responsive, often answering questions at any hour. Customers appreciate the supportive approach that helps turn homeownership dreams into reality.

Services & Prices
Credit Score Improvement Advice Quoted per loan
View Profile
(909) 231-4222
Closed Now
8047 Day Creek Blvd, Rancho Cucamonga, CA 91739, Rancho Cucamonga, CA 91730
General Services
Home Financing Support
4

The Mortgage Phoenix Group

About The Mortgage Phoenix GroupThe Mortgage Phoenix Group is a leading mortgage brokerage firm dedicated to providing expert guidance and competitive rates for home buyers. With a strong emphasis on personalized service, they aim to make the home buying process smoother and more efficient than traditional big banks. Their streamlined 21-day closing process and commitment to client success set… more...

About The Mortgage Phoenix GroupThe Mortgage Phoenix Group is a leading mortgage brokerage firm dedicated to providing expert guidance and competitive rates for home buyers. With a strong emphasis on personalized service, they aim to make the home buying process smoother and more efficient than traditional big banks. Their streamlined 21-day closing process and commitment to client success set them apart. They offer a wide range of loan products, including FHA, VA, and Bank Statement Loans, ensuring that clients find the best mortgage solution for their unique needs. The company prides itself on clear communication, smart guidance, and a supportive team that empowers clients to feel like home buying pros.Credibility and Trust SignalsThe Mortgage Phoenix Group boasts an impressive 5.0 rating with over 120 reviews on Google and a strong presence on Yelp, underscoring their commitment to customer satisfaction. They have over 27 years of industry experience, a 97% on-time closing rate, and have funded over $800 million in total loan volume. Their 'Phoenix Underwriting Advantage' offers a fully underwritten pre-approval, providing buyers with stronger, lower-risk offers that are taken seriously by sellers and listing agents. This rigorous process ensures a higher degree of certainty and a faster closing time.Offerings and ServicesThe Mortgage Phoenix Group offers a comprehensive suite of mortgage services designed to meet diverse homeownership needs. This includes various loan types such as FHA, VA, Jumbo, and Conventional loans, as well as specialized options like Bank Statement Loans for investors. They also facilitate refinancing services, including Cash Out Refinances and Home Equity Lines of Credit, and provide assistance for first-time homebuyers with down payment programs. Their services extend to mortgage planning sessions, online applications, and dedicated support throughout the entire home buying and closing process, ensuring clients achieve their homeownership goals.Unique AdvantagesThe Mortgage Phoenix Group distinguishes itself through its fully underwritten pre-approval process, the 'Phoenix Underwriting Advantage,' which significantly strengthens offers and reduces escrow risks. They pride themselves on a remarkably fast average closing time of 21 days. With over 27 years of industry experience and a 97% on-time closing rate, they offer unparalleled expertise and reliability. Their commitment to client trust is evidenced by over 120 five-star reviews, highlighting their dedication to exceptional service and successful outcomes.

View Profile
(909) 324-4373
Closed Now
8599 Haven Ave #301, Rancho Cucamonga, CA 91730
5

ML Mortgage Corp

ML Mortgage Corp focuses on guiding clients through the home-buying process with clear communication and attentive support. Their team assists with mortgage financing, aiming to make the experience smooth and understandable. While some customers note occasional gaps in follow-up, many appreciate the professionalism and responsiveness throughout.

Services & Prices
Fixed-Rate Mortgages Quoted per loan
Adjustable-Rate Mortgages Quoted per loan
Refinancing Options Quoted per loan
View Profile
(866) 598-9232
Closed Now
8270 Aspen Ave, Rancho Cucamonga, CA 91730
General Services
Mortgage Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Stigler Mortgage

Built on a foundation of ethical principles and decades of experience, Stigler Mortgage offers a full range of real estate services including financing for single-family homes, condos, and commercial properties. Clients appreciate the team’s knowledge and clear communication, though some have noted concerns about their listing practices and lender referrals.

Services & Prices
Mortgage Approval Assistance Quoted per loan
Rate Adjustment Quoted per loan
HELOC Refinancing Quoted per loan
Loan Terms Modification Quoted per loan
View Profile
(909) 948-1417
Closed Now
10390 Commerce Center Dr Ste 270, Rancho Cucamonga, CA 91730
General Services
Home Purchase Services
7

The Brandon Drew Group- Mortgage Firm

Known for their deeply personal, family-driven approach, The Brandon Drew Group specializes in first-time homebuyer programs like CalHFA and GSFA, alongside conventional, FHA, VA, and jumbo loans. Clients appreciate the team’s responsiveness and guidance throughout the loan process, though some note the volume of communication can be frequent.

Services & Prices
Pre-Approval Quoted per loan
Interest Rate Buydown Options Quoted per loan
View Profile
(909) 944-8800
Closed Now
8463 Haven Ave B, Rancho Cucamonga, CA 91730
General Services
Mortgage Lending
8

Rancho Capital Home Loans

Rancho Capital Home Loans is known for its fast, efficient loan approvals, averaging just 10 days, and a strong focus on personalized service. They offer a range of home purchase and refinancing options, supported by online tools and clear guidance. Customers appreciate the team’s responsiveness and thorough communication throughout the mortgage process.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
View Profile
(866) 222-0626
Closed Now
9431 Haven Ave Ste 208, Rancho Cucamonga, CA 91730
General Services
Mortgage Services
9

Integrity Home Finance - A Mortgage Banking Firm

Integrity Home Finance is known for its hands-on approach in guiding clients through the mortgage process, especially first-time homebuyers. The team offers personalized mortgage banking services and is praised for clear explanations and support, though some clients have noted occasional communication delays during the process.

View Profile
(909) 945-8777
Closed Now
8311 Haven Ave #150, Rancho Cucamonga, CA 91730
10

MortgageX

About MortgageXMortgageX is a mortgage lending company dedicated to providing personalized mortgage solutions, fast customized quotes, great rates, and service with integrity. They assist clients in navigating the complexities of home buying and refinancing, aiming to make the process quick, efficient, and confident. The company emphasizes helping clients save money on their mortgages, whether… more...

About MortgageXMortgageX is a mortgage lending company dedicated to providing personalized mortgage solutions, fast customized quotes, great rates, and service with integrity. They assist clients in navigating the complexities of home buying and refinancing, aiming to make the process quick, efficient, and confident. The company emphasizes helping clients save money on their mortgages, whether they are first-time buyers or looking to refinance at a lower rate. Their experienced team of Mortgage Advisors guides clients through each step, ensuring a seamless experience.Why Choose UsMortgageX prides itself on its fast funding options, ensuring clients don't miss out on desired properties. They offer a streamlined, 100% online loan application process for quick approval. The company is committed to integrity and providing competitive rates, with a goal of funding loans in under 30 days. They also offer a free pre-approval letter and a refinance analysis tool to help clients understand their options and potential savings.MortgageX ServicesMortgageX offers a comprehensive range of mortgage services, including home purchase loans and refinancing options. They provide tools such as a mortgage calculator, pre-approval letter generator, and refinance analysis to aid clients. Specific loan options include 30-year fixed, 15-year fixed, adjustable-rate mortgages, FHA loans, VA loans, Jumbo loans, 203K loans, USDA loans, HARP loans, and reverse mortgages. They also facilitate rate comparisons to help clients secure the best terms.Unique AdvantagesMortgageX highlights its ability to fund loans in under 30 days, its fast and streamlined online application process, and its personalized approach to mortgage solutions. The company emphasizes competitive rates and a commitment to integrity, ensuring clients receive excellent service and potentially significant savings.

View Profile
(626) 310-0648
Closed Now
10535 Foothill Blvd Ste 380, Rancho Cucamonga, CA 91730

Rancho Cucamonga Mortgage Statistics

Home-purchase lending in San Bernardino County and home costs in Rancho Cucamonga, CA (latest HMDA and Census data)

Lenders made 17,195 home-purchase loans in San Bernardino County in 2025 (average about $469,000) and denied 2,548 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Rancho Cucamonga, the median home is worth $740,200 and 73% of owners have a mortgage, paying a median $2,947 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
17,195▼ 2%17,574 in 2024
Denial rate
13%CA 12%
Median home value
$740,200CA $734,700
Monthly cost with a mortgage
$2,947median · CA $2,946
Refinance loans made (San Bernardino County, 2025)
12,170 · 9,471 in 2024
Home-improvement loans made (2025)
3,061
Average home-purchase loan
$469,000 (CA $711,000)
Owners with a mortgage
73% · 39% of them spend 30%+ of income on housing
Median household income
$111,895 (CA $99,122)

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

Rancho Cucamonga Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 EZ Fundings Inc. 4.9 220 Quoted per loan (909) 321-3650 Visit
2 Edge Home Finance 5.0 160 — (626) 224-3375 Visit
3 Mpower Mortgage - Jenese Bravo, Loan Officer 5.0 152 Quoted per loan (909) 231-4222 —
4 The Mortgage Phoenix Group 5.0 136 — (909) 324-4373 Visit
5 ML Mortgage Corp 4.7 114 Quoted per loan (866) 598-9232 Visit
6 Stigler Mortgage 4.8 101 Quoted per loan (909) 948-1417 Visit
7 The Brandon Drew Group- Mortgage Firm 4.7 52 Quoted per loan (909) 944-8800 Visit
8 Rancho Capital Home Loans 5.0 47 Quoted per loan (866) 222-0626 Visit
9 Integrity Home Finance - A Mortgage Banking Firm 4.8 37 — (909) 945-8777 Visit
10 MortgageX 4.5 17 — (626) 310-0648 Visit

How this Rancho Cucamonga 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 accurate is the mortgage affordability calculator for Rancho Cucamonga?
The calculator provides an estimate based on income, debts, and down payment. For precise figures, a lender's pre-approval is needed.
What is the debt-to-income ratio limit for mortgages in California?
Lenders often cap housing costs at 31% and total debt payments at 43% of gross monthly income, per FHA standards.
What's the minimum down payment for first-time buyers in Rancho Cucamonga?
First-time buyers can pay as little as 3% on conventional loans or 3.5% on FHA loans.
How does PMI affect my mortgage in California?
Conventional loans with less than 20% down require PMI, about 0.6% of the loan yearly, removable when the loan balance is under 80%.
How do interest rates impact my home affordability?
Higher rates increase monthly payments, reducing the maximum home price you can afford. Rates fluctuate weekly.
How do my debts affect the mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you qualify for, as lenders consider total debt-to-income ratio limits.
What is the property tax rate in Rancho Cucamonga?
California's average property tax rate is about 0.69% of the home's value annually.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, while pre-qualification is a preliminary estimate without verification.
What role does a mortgage broker play?
A mortgage broker helps find and negotiate loan options from various lenders, assisting with the application process.

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