How much house can you afford in Salinas? 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 |
|---|
Capitol Mortgage
5.0 · 276 reviews · Free pre-approval
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Mason-McDuffie Mortgage Corporation
5.0 · 129 reviews · Free pre-approval
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The Blue Adobe Team~ Oscar Mora
5.0 · 112 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 →
Capitol Mortgage focuses on personalized service, avoiding one-size-fits-all loan formulas to help clients find the right mortgage. Their team assists with purchase and refinance options, guiding customers through each step with clear explanations and timely communication. Some clients note the process can feel overwhelming, but appreciate the patient support throughout.
Known for a knowledgeable and helpful team, Mason-McDuffie Mortgage Corporation assists clients with securing home loans and navigating the mortgage process. Customers appreciate the attentive service and professionalism throughout each step, though individual experiences may vary depending on the specific agent they work with.
The Blue Adobe Team specializes in mortgage services for first-time homebuyers, refinancing, and specialized loans like Jumbo and VA loans. Known for clear communication and thorough explanations, the team guides clients through each step with transparency and local expertise. Some clients note the process can feel detailed, but appreciate the steady support throughout.
Felix Home Loans is known for providing attentive support that helps make the mortgage process smooth and less stressful. Their team offers clear communication and guidance through every step of home financing, often responding quickly to questions. Customers appreciate the patient, transparent approach, especially first-time buyers.
Loans By CMS focuses on helping clients navigate home loans and refinancing with clear communication and personalized support. The team assists with first-time home purchases as well as refinancing, making the process understandable and less stressful. Customers appreciate their responsiveness and thorough guidance throughout each step.
Licensed under NMLS, Premier Mortgage Resources offers personalized mortgage and refinancing guidance with a focus on clarity and accessibility. The team assists with fixed-rate loans and uses tools like mortgage calculators to help clients understand costs. Customers appreciate their responsiveness and support throughout the homebuying process.
PrimeLending, A PlainsCapital Company - Salinas specializes in guiding first-time homebuyers through the mortgage process with clear communication and responsive support. The team offers various loan options and works to streamline funding, helping clients compete in competitive markets. Customers appreciate their attentiveness and availability, though experiences may vary depending on individual… more...
PrimeLending, A PlainsCapital Company - Salinas specializes in guiding first-time homebuyers through the mortgage process with clear communication and responsive support. The team offers various loan options and works to streamline funding, helping clients compete in competitive markets. Customers appreciate their attentiveness and availability, though experiences may vary depending on individual loan needs.
Known for guiding clients through the mortgage process with clear communication and support, Elite Capital Funding offers personalized loan services aimed at making home buying smoother. Customers appreciate the team’s knowledge and efficiency, noting a stress-free experience from start to finish. Some find the process faster compared to other lenders.
Rubio Mortgage & Realty focuses on personalized mortgage solutions for a wide range of clients, from first-time buyers to investors and those refinancing for renovations. The licensed team offers flexible meeting options and clear guidance throughout the mortgage process. Customers appreciate their patient communication and steady support, though availability can vary with demand.
Lenders made 1,812 home-purchase loans in Monterey County in 2025 (average about $742,000) and denied 268 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Salinas, the median home is worth $654,100 and 65% of owners have a mortgage, paying a median $2,471 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Monterey 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 | Capitol Mortgage | 5.0 | 276 | Quoted per loan | (831) 449-1227 | Visit |
| 2 | Mason-McDuffie Mortgage Corporation | 5.0 | 129 | Quoted per loan | (831) 758-0800 | Visit |
| 3 | The Blue Adobe Team~ Oscar Mora | 5.0 | 112 | — | (831) 320-6525 | Visit |
| 4 | Felix Home Loans | 5.0 | 63 | Quoted per loan | (831) 776-6337 | — |
| 5 | Loans By CMS | 5.0 | 57 | Quoted per loan | (831) 676-0937 | — |
| 6 | Premier Mortgage Resources - Ronnie Esparza | 5.0 | 50 | Quoted per loan | (831) 320-9328 | Visit |
| 7 | PrimeLending, A PlainsCapital Company - Salinas | 5.0 | 27 | Quoted per loan | (831) 998-9520 | Visit |
| 8 | Elite Capital Funding | 5.0 | 22 | Quoted per loan | (831) 210-1139 | Visit |
| 9 | Rubio Mortgage & Realty | 5.0 | 12 | Quoted per loan | (831) 235-3850 | Visit |
| 10 | Left Coast Lending | 5.0 | 1 | — | (831) 262-6078 | — |
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.