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.
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 |
|---|
Summit Funding, Inc.
5.0 · 1381 reviews · Free pre-approval
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AFC Mortgage
5.0 · 406 reviews · Free pre-approval
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Green Haven Capital Inc.
5.0 · 380 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.