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
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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.
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| After | Paid in total | Still owed |
|---|
American Pacific Mortgage (NMLS #1850)
4.9 · 821 reviews · Free pre-approval
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Better Rate Mortgage, Inc.
5.0 · 311 reviews · Free pre-approval
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Direct Realty & Mortgage
4.9 · 154 reviews · Free pre-approval
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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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.