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

How much house can you afford in Roseville? 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 Roseville

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

1

American Pacific Mortgage (NMLS #1850)

American Pacific Mortgage (NMLS #1850) offers a range of home financing options, including renovation and refinancing loans. Customers note the team’s efforts to manage complex situations and provide guidance throughout the process, though some have experienced communication challenges and concerns about credit inquiries. The company’s responsiveness can vary depending on the loan type and… more...

American Pacific Mortgage (NMLS #1850) offers a range of home financing options, including renovation and refinancing loans. Customers note the team’s efforts to manage complex situations and provide guidance throughout the process, though some have experienced communication challenges and concerns about credit inquiries. The company’s responsiveness can vary depending on the loan type and circumstances.

Services & Prices
Mortgage Loan Quoted per loan
Refinancing Loan Quoted per loan
Renovation Loan Quoted per loan
View Profile
(916) 960-1325
Closed Now
3000 Lava Ridge Ct Ste 200, Roseville, CA 95661
General Services
Loan Origination
2

Better Rate Mortgage, Inc.

Better Rate Mortgage, Inc. is known for clear communication and personalized support, especially for first-time homebuyers. The team offers mortgage financing with quick pre-approvals and guidance throughout the loan process. Customers appreciate their responsiveness and the ability to assist in Spanish, though some may find wait times vary depending on demand.

View Profile
(916) 742-7400
Open 8:00 AM - 7:00 PM
2998 Douglas Blvd Ste 325, Roseville, CA 95661
3

Direct Realty & Mortgage

Licensed through NMLS and DRE, Direct Realty & Mortgage offers a broad range of loan programs including niche options like Private Mortgage and Bank Statement Loans. The team assists with home purchases and refinancing across several California zip codes, with clients appreciating their clear communication and supportive approach throughout the process.

Services & Prices
Home Loan Application Quoted per loan
Refinancing Options Quoted per loan
View Profile
(916) 316-5374
Closed Now
1382 Blue Oaks Blvd Ste 270, Roseville, CA 95678
General Services
Mortgage Services
4

Paul Bozek | Unified Home Loans

Known for competitive rates and clear communication, Unified Home Loans offers a wide range of mortgage options including FHA, VA, Jumbo, and renovation loans. The team supports first-time buyers and refinancers with an education-focused approach, guiding clients through each step to make the process straightforward and transparent.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Options Quoted per loan
Family Opportunity Transactions Quoted per loan
View Profile
(916) 271-4405
Open 8:30 AM - 6:30 PM
2270 Douglas Blvd Ste 215, Roseville, CA 95661
General Services
Mortgage Services
5

Amy DeBusk Home Loans

With over 25 years of experience and BBB accreditation, Amy DeBusk Home Loans focuses on making mortgages straightforward and personalized. The team assists a wide range of clients—from first-time buyers and veterans to self-employed individuals and investors—offering guidance on diverse loan programs and down payment assistance. Customers appreciate their clear communication and patient support… more...

With over 25 years of experience and BBB accreditation, Amy DeBusk Home Loans focuses on making mortgages straightforward and personalized. The team assists a wide range of clients—from first-time buyers and veterans to self-employed individuals and investors—offering guidance on diverse loan programs and down payment assistance. Customers appreciate their clear communication and patient support through complex financing steps.

Services & Prices
Conventional Loan Quoted per loan
VA Home Loan Quoted per loan
Bank Statement Home Equity Line of Credit Quoted per loan
View Profile
(916) 705-2557
Open 00:00 - 23:59
2999 Douglas Blvd Ste 180, Roseville, CA 95661
General Services
Home Loans
Where they are 10 on the map Click a pin for the profile and directions
6

Partners Mortgage

Partners Mortgage focuses on guiding first-time homebuyers through the lending process with clear communication and responsiveness. Their team assists with both home purchases and refinancing, helping clients understand each step and manage stress along the way. Customers appreciate their attentiveness, though some note the process can still feel complex at times.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate & Term Refinancing Quoted per loan
View Profile
(916) 782-9494
Closed Now
1687 Eureka Rd #100, Roseville, CA 95661
General Services
Mortgage Lending
7

LRG Lending

LRG Lending specializes in government-backed loans like VA and FHA mortgages, along with a variety of refinance and jumbo loan options. The team is licensed and known for clear communication, thorough guidance, and a client-focused approach that helps make the mortgage process understandable and manageable. Customers appreciate their responsiveness and personal care throughout each step.

Services & Prices
VA Loans Quoted per loan
First-Time Homebuyer Loans Quoted per loan
Conventional Loans Quoted per loan
View Profile
(916) 532-8620
Closed Now
2140 Professional Dr #130, Roseville, CA 95661
General Services
Home Loan Services
8

Loan City Mortgage

Loan City Mortgage focuses on helping clients with imperfect financial profiles qualify for home loans, offering long-term support and guidance. They provide a variety of mortgage options, including FHA, VA, Jumbo, and refinancing loans, with experienced loan officers navigating complex situations. Customers appreciate their responsiveness and persistence, especially in challenging cases.

View Profile
(916) 726-7777
Closed Now
2251 Douglas Blvd #100, Roseville, CA 95661
9

Point Equity Residential Lending

Point Equity Residential Lending focuses on a personalized approach, helping clients find home loans that fit their unique needs. They offer a range of options including conventional, FHA, VA, USDA, and alternative loans, guiding borrowers through every step with clear communication. Customers appreciate the team’s responsiveness and transparency, which help make the mortgage process less… more...

Point Equity Residential Lending focuses on a personalized approach, helping clients find home loans that fit their unique needs. They offer a range of options including conventional, FHA, VA, USDA, and alternative loans, guiding borrowers through every step with clear communication. Customers appreciate the team’s responsiveness and transparency, which help make the mortgage process less stressful.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(916) 248-4620
Closed Now
915 Highland Pointe Dr Suite 160, Roseville, CA 95678
General Services
Mortgage Lending
10

Guild Mortgage Company

Guild Mortgage Company offers mortgage services with a focus on helping clients through the loan process efficiently. Customers appreciate the team's willingness to assist and clear communication during closing, though some note that company policies can change unexpectedly and post-closing support is limited. The process typically moves quickly, often wrapping up within a few weeks.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Letter Quoted per loan
View Profile
(916) 367-7100
Closed Now
2250 Douglas Blvd #120, Roseville, CA 95661
General Services
Mortgage Lending

Roseville Mortgage Statistics

Home-purchase lending in Placer County and home costs in Roseville, CA (latest HMDA and Census data)

Lenders made 5,716 home-purchase loans in Placer County in 2025 (average about $601,000) and denied 532 — 9% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Roseville, the median home is worth $661,400 and 74% of owners have a mortgage, paying a median $2,935 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
5,7160%5,738 in 2024
Denial rate
9%CA 12%
Median home value
$661,400CA $734,700
Monthly cost with a mortgage
$2,935median · CA $2,946
Refinance loans made (Placer County, 2025)
3,272 · 2,238 in 2024
Home-improvement loans made (2025)
1,058
Average home-purchase loan
$601,000 (CA $711,000)
Owners with a mortgage
74% · 32% of them spend 30%+ of income on housing
Median household income
$119,288 (CA $99,122)

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

Roseville Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 American Pacific Mortgage (NMLS #1850) 4.9 821 Quoted per loan (916) 960-1325 Visit
2 Better Rate Mortgage, Inc. 5.0 311 — (916) 742-7400 Visit
3 Direct Realty & Mortgage 4.9 154 Quoted per loan (916) 316-5374 Visit
4 Paul Bozek | Unified Home Loans 5.0 133 Quoted per loan (916) 271-4405 Visit
5 Amy DeBusk Home Loans 5.0 133 Quoted per loan (916) 705-2557 Visit
6 Partners Mortgage 5.0 123 Quoted per loan (916) 782-9494 Visit
7 LRG Lending 5.0 84 Quoted per loan (916) 532-8620 Visit
8 Loan City Mortgage 5.0 70 — (916) 726-7777 Visit
9 Point Equity Residential Lending 5.0 70 Quoted per loan (916) 248-4620 Visit
10 Guild Mortgage Company 4.3 21 Quoted per loan (916) 367-7100 Visit

How this Roseville 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 Roseville work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate, including PMI and property tax.
How accurate is the mortgage affordability estimate?
The estimate is based on typical lender criteria, but a pre-approval is needed for an exact figure as it verifies income, debts, and credit.
What is the debt-to-income ratio for mortgages in California?
Lenders generally cap housing costs at 31% and total debt payments at 43% of gross monthly income; some loans allow more with strong credit.
What's the minimum down payment for a mortgage in Roseville?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How does private mortgage insurance (PMI) affect affordability?
With less than 20% down, PMI is added, roughly 0.6% of the loan annually; it can be removed once the loan 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 maximum home price you can afford; rates change weekly, affecting affordability.
How do debts reduce the mortgage amount I can qualify for?
Higher monthly debt payments reduce the amount available for housing costs, thus lowering the mortgage amount you can qualify for.
What is the property tax rate in California?
The property tax rate is about 0.69% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, providing a more accurate borrowing limit, while pre-qualification is an initial estimate.

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