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Review Keywords Analysis

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

Mortgage Affordability Calculator Sacramento, CA

How much house can you afford in Sacramento? 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 Sacramento

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

1

Summit Funding, Inc.

Known for helping finance about 1 in 33 homes nationwide, CrossCountry Mortgage offers a wide range of loan options including first-time homebuyer programs, refinancing, and renovation loans. Customers appreciate the team’s clear communication and quick responses, though some find the process can feel fast-paced.

View Profile
(916) 571-3000
Closed Now
2135 Butano Dr Ste 150, Sacramento, CA 95825
2

AFC Mortgage

Known for fast funding often within 30 days, AFC Mortgage offers personalized home purchase and refinance loans, including VA, FHA, Jumbo, and USDA options. The team is praised for clear communication and making the process smooth, though some clients note the experience can feel quick-paced. Their fully online application helps speed approvals.

Services & Prices
VA Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(888) 210-9838
Closed Now
1424 21st Street, Sacramento, CA 95811
General Services
Home Loans
3

Green Haven Capital Inc.

Green Haven Capital Inc. specializes in strategic mortgage financing with over 40 years of combined experience and licenses in multiple states. They offer a range of loan options for homebuyers and investors, focusing on clear guidance and a streamlined process. Clients appreciate their responsiveness, transparency, and competitive rates throughout the loan journey.

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(916) 476-6507
Closed Now
5890 S Land Park Dr, Sacramento, CA 95822
4

West Coast Mortgage Group

West Coast Mortgage Group specializes in VA and FHA loans, offering a streamlined process designed to simplify home financing. Their team handles a wide range of mortgage options, including jumbo loans, reverse mortgages, and physician loans. Clients appreciate their clear communication and responsiveness throughout the loan process.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(916) 453-7533
Closed Now
2716 Broadway, Sacramento, CA 95818
General Services
Mortgage Services
5

Loan Factory - Sacramento

Loan Factory - Sacramento offers attentive and detailed mortgage brokerage services, with a team known for being responsive and professional throughout the loan process. They assist clients with various loan needs, and customers appreciate their clear communication and support at every step. Some reviews highlight quick email responses as a helpful aspect.

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(916) 999-5000
Closed Now
6840 65th St #115, Sacramento, CA 95828
Where they are 10 on the map Click a pin for the profile and directions
6

The Chris Kennedy Team at Reliant Lending

Specializing in mortgage solutions for Sacramento homeowners, The Chris Kennedy Team offers guidance on buying, selling, and refinancing with a variety of loan options, including programs for first-time buyers, veterans, and doctors. Clients appreciate their clear explanations and responsive support, though some note the process can involve detailed paperwork.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(916) 794-0777
Closed Now
2100 Northrop Ave Ste 900, Sacramento, CA 95825
General Services
Mortgage Services
7

Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 1403489

Licensed under DRE# 01989440 and NMLS ID# 1403489, Golden Bay Mortgage Group offers personalized mortgage brokerage services with a focus on clear communication and steady support. The team assists clients through buying, selling, and refinancing, often praised for their availability and thorough explanations, though some note the process can take time.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
View Profile
(916) 469-3749
Closed Now
3900 Lennane Dr Ste 200, Sacramento, CA 95834
General Services
Mortgage Services
8

Matt the Mortgage Guy

Known for personalized mortgage solutions backed by local market expertise, Matt The Mortgage Guy guides clients through a range of loan options, including purchase, refinance, and construction loans. The team is praised for clear communication and responsiveness, though some clients note the process can feel detailed for first-timers.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(916) 529-7600
Open 9:00 AM - 9:00 PM
3600 American River Dr Ste 105, Sacramento, CA 95864
General Services
Mortgage Services
9

Elevate Mortgage

Known for clear communication and patient guidance, Elevate Mortgage helps first-time and experienced buyers navigate home loans with ease. The team offers personalized mortgage brokerage services, often accommodating clients’ schedules and explaining each step thoroughly. Customers appreciate their responsiveness and dedication, though some note the process can feel detailed due to careful… more...

Known for clear communication and patient guidance, Elevate Mortgage helps first-time and experienced buyers navigate home loans with ease. The team offers personalized mortgage brokerage services, often accommodating clients’ schedules and explaining each step thoroughly. Customers appreciate their responsiveness and dedication, though some note the process can feel detailed due to careful attention.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(916) 228-4930
Closed Now
3600 American River Dr Ste 105, Sacramento, CA 95864
General Services
Mortgage Lending
10

Joseph Kelley "Joe The Mortgage Giant" COO/Partner of Golden Bay Mortgage Group & President of Natomas Chamber of Commerece

Golden Bay Mortgage Group specializes in providing clear and responsive mortgage lending, with a focus on honesty and timely communication. The team assists with purchases and refinancing, guiding clients through each step without pressure. Customers appreciate their thoroughness and helpful explanations throughout the process.

View Profile
(916) 612-4294
Open 00:00 - 23:59
3900 Lennane Dr Ste 200, Sacramento, CA 95834

Sacramento Mortgage Statistics

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

Lenders made 14,490 home-purchase loans in Sacramento County in 2025 (average about $482,000) and denied 1,705 — 11% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Sacramento, the median home is worth $506,300 and 69% of owners have a mortgage, paying a median $2,380 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
14,490▼ 1%14,587 in 2024
Denial rate
11%CA 12%
Median home value
$506,300CA $734,700
Monthly cost with a mortgage
$2,380median · CA $2,946
Refinance loans made (Sacramento County, 2025)
8,840 · 6,266 in 2024
Home-improvement loans made (2025)
2,717
Average home-purchase loan
$482,000 (CA $711,000)
Owners with a mortgage
69% · 35% of them spend 30%+ of income on housing
Median household income
$87,321 (CA $99,122)

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

Sacramento Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Summit Funding, Inc. 5.0 1381 — (916) 571-3000 Visit
2 AFC Mortgage 5.0 406 Quoted per loan (888) 210-9838 Visit
3 Green Haven Capital Inc. 5.0 380 — (916) 476-6507 Visit
4 West Coast Mortgage Group 5.0 265 Quoted per loan (916) 453-7533 Visit
5 Loan Factory - Sacramento 5.0 257 — (916) 999-5000 —
6 The Chris Kennedy Team at Reliant Lending 5.0 154 Quoted per loan (916) 794-0777 Visit
7 Golden Bay Mortgage Group DRE# 01989440 & NMLS ID# 1403489 5.0 147 Quoted per loan (916) 469-3749 Visit
8 Matt the Mortgage Guy 5.0 134 Quoted per loan (916) 529-7600 Visit
9 Elevate Mortgage 5.0 122 Quoted per loan (916) 228-4930 —
10 Joseph Kelley "Joe The Mortgage Giant" COO/Partner of Golden Bay Mortgage Group & President of Natomas Chamber of Commerece 5.0 121 — (916) 612-4294 Visit

How this Sacramento 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

10 questions
How does the mortgage affordability calculator for Sacramento work?
It estimates the highest home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status. It includes mortgage amount, monthly payment, PMI, and property tax.
What debt-to-income ratio do lenders use in California?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%. Some conventional loans may allow more with strong credit.
What's the minimum down payment for a first-time buyer in Sacramento?
For conventional loans, it's 3%; for FHA loans, it's 3.5%. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in California?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan annually. It can usually be removed once the loan balance falls below 80% of the home's value.
How do interest rates impact what I can afford in Sacramento?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do my debts affect my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of your gross monthly income.
What is the property tax rate for homes 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 in California.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves a lender verifying your income, debts, credit, and down payment, while pre-qualification is a preliminary estimate without verification.
How much house can I afford on a $100k salary in Sacramento?
The calculator estimates based on your income, debts, down payment, and interest rate. For specifics, consider using the tool to input your details.
What role does a mortgage broker play in Sacramento?
A mortgage broker helps you find and apply for a mortgage, comparing options from various lenders based on your financial situation.

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