How much house can you afford in Riverside? 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.
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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 |
|---|
Secure Choice Lending Corporate
4.9 · 417 reviews · Free pre-approval
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First Lending Solutions
5.0 · 307 reviews · Free pre-approval
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Lara Locke Team
5.0 · 240 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 →
Secure Choice Lending specializes in leveraging technology and automation to simplify mortgage lending across 45 states and D.C. They offer a wide range of loan options, including conventional, FHA, VA, jumbo, and refinancing solutions. Customers appreciate the team’s clear communication and support throughout the often complex homebuying process.
With over 15 years of experience, First Lending Solutions focuses on offering low interest rates paired with honest, personalized service. They provide a range of mortgage options including FHA, VA, USDA, and jumbo loans, along with refinancing and first-time buyer programs. Clients appreciate the team’s clear communication and attentive guidance throughout the loan process.
With over 20 years of experience, the Lara Locke Team specializes in guiding homebuyers through a clear, data-driven mortgage process that emphasizes understanding the full financial picture. They offer home loans, refinancing, and nationwide financing, with clients appreciating their patience, thorough explanations, and ongoing support throughout the journey.
Known for handling processing and underwriting in-house, New American Funding - Riverside offers faster loan closings and personalized service. They provide a variety of mortgage options, including purchase, refinance, and first-time homebuyer loans, along with programs like NAF Cash and Pathway to Homeownership. Customers appreciate the professional, attentive team throughout the process.
Guild Mortgage specializes in personalized mortgage solutions, offering a range of loan options including conventional, FHA, VA, and USDA programs. The team guides borrowers through the process with clarity and support, using digital tools to simplify decisions. Customers appreciate their efficiency and reliability, though some note the pace may feel brisk.
Specializing in both loan origination and real estate services, this team supports buyers through every step of the home-buying process with clear communication and professional guidance. They assist with financing options and property selection, often praised for patience and responsiveness, though some clients note a high volume of questions can extend timelines.
Known for making the mortgage process clear and manageable, Ricardo T Flores offers personalized support for home purchases, refinancing, and real estate financing. The team is praised for their patience, responsiveness, and ability to navigate challenges efficiently, helping clients close smoothly even when unexpected hurdles arise.
Known for responsive and patient guidance, Olivia Rucker Mortgage Broker helps clients navigate home buying and refinancing with clear communication and flexible support. The team offers a range of residential mortgage options and is praised for making the process comfortable and understandable, though availability can vary with workload.
Specializing in home financing for 55+ communities, this team offers services like mortgage pre-approval, refinancing, and free quotes tailored to specific needs. Customers appreciate clear communication and a smooth, supportive process, though some note the experience can feel slow at times. The focus on sustainable living options adds a unique touch.
Cody Olson Home Loans specializes in helping clients navigate complex mortgage situations, including refinancing multiple loans into one conventional mortgage. The team offers guidance throughout home purchases and refinancing, with clients appreciating their clear communication and responsiveness. Some find the process lengthy but feel well supported along the way.
Lenders made 23,710 home-purchase loans in Riverside County in 2025 (average about $528,000) and denied 3,770 — 14% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Riverside, the median home is worth $584,800 and 73% of owners have a mortgage, paying a median $2,438 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Riverside 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 | Secure Choice Lending Corporate | 4.9 | 417 | Quoted per loan | (951) 482-8313 | Visit |
| 2 | First Lending Solutions | 5.0 | 307 | Quoted per loan | (951) 684-3307 | Visit |
| 3 | Lara Locke Team | 5.0 | 240 | — | (951) 405-2454 | Visit |
| 4 | New American Funding - Riverside | 4.8 | 174 | — | (951) 228-9568 | Visit |
| 5 | Guild Mortgage - Rich Vandenberg | 5.0 | 89 | — | (951) 742-7770 | Visit |
| 6 | Joel Gutierrez - Loan Officer & Realtor | 5.0 | 30 | $100 | (562) 573-9973 | — |
| 7 | Ricardo T Flores | 5.0 | 27 | Quoted per loan | — | Visit |
| 8 | Olivia Rucker Mortgage Broker | 5.0 | 26 | — | (951) 536-9249 | Visit |
| 9 | Joelle Southern, SCL Sr Loan Officer | 5.0 | 22 | Quoted per loan | (951) 288-0472 | Visit |
| 10 | Cody Olson Home Loans | 5.0 | 11 | Quoted per loan | (951) 494-2727 | 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.