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Review Keywords Analysis

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

Mortgage Affordability Calculator Salinas, CA

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.

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 Salinas

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

1

Capitol Mortgage

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
View Profile
(831) 449-1227
Closed Now
1880 N Main St #200, Salinas, CA 93906
General Services
Mortgage Services
2

Mason-McDuffie Mortgage Corporation

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.

Services & Prices
Home Mortgage Loans Quoted per loan
Refinancing Services Quoted per loan
View Profile
(831) 758-0800
Closed Now
6 Quail Run Cir #102, Salinas, CA 93907
General Services
Mortgage Services
3

The Blue Adobe Team~ Oscar Mora

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.

View Profile
(831) 320-6525
Closed Now
362 S Main St, Salinas, CA 93901
4

Felix Home Loans

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.

Services & Prices
Fixed-Rate Mortgage Quoted per loan
Adjustable-Rate Mortgage Quoted per loan
FHA Loans Quoted per loan
Closing Coordination Quoted per loan
View Profile
(831) 776-6337
Open 00:00 - 23:59
1403 N Main St Ste A, Salinas, CA 93906
General Services
Mortgage Loans
5

Loans By CMS

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.

Services & Prices
Home Loan Refinancing Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(831) 676-0937
Closed Now
3 Winham St, Salinas, CA 93901
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Premier Mortgage Resources - Ronnie Esparza

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.

Services & Prices
Fixed-rate Mortgages Quoted per loan
Adjustable-rate Mortgages Quoted per loan
FHA Loans Quoted per loan
View Profile
(831) 320-9328
Closed Now
336 S Main St, Salinas, CA 93901
General Services
Loan Services
7

PrimeLending, A PlainsCapital Company - Salinas

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.

Services & Prices
Home Loan Pre-Approval Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(831) 998-9520
Closed Now
1188 Padre Dr #107, Salinas, CA 93901
General Services
Mortgage Services
8

Elite Capital Funding

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.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(831) 210-1139
Open 00:00 - 23:59
54 San Miguel Ave, Salinas, CA 93901
General Services
Mortgage Services
9

Rubio Mortgage & Realty

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.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(831) 235-3850
Closed Now
1403 N Main St Ste A, Salinas, CA 93906
General Services
Mortgage Services
10
View Profile
(831) 262-6078
Closed Now
19 Quail Run Cir # B, Salinas, CA 93907

Salinas Mortgage Statistics

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

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).

Home-purchase loans, 2025
1,812▼ 2%1,856 in 2024
Denial rate
13%CA 12%
Median home value
$654,100CA $734,700
Monthly cost with a mortgage
$2,471median · CA $2,946
Refinance loans made (Monterey County, 2025)
1,783 · 1,175 in 2024
Home-improvement loans made (2025)
403
Average home-purchase loan
$742,000 (CA $711,000)
Owners with a mortgage
65% · 33% of them spend 30%+ of income on housing
Median household income
$91,908 (CA $99,122)

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.

Salinas Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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 —

How this Salinas 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 work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes PMI and property tax.
What is the debt-to-income ratio for California mortgages?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%, following FHA standards.
How much house can I afford on a $100k salary in Salinas?
The calculator considers income, debts, and down payment to estimate affordability. A pre-approval confirms the exact amount.
What is the minimum down payment for a mortgage in California?
For first-time buyers, it's 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down.
How do interest rates affect mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do debts impact the mortgage amount I can borrow?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of gross income.
What is the property tax rate in California?
The property tax 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, credit, and down payment. Pre-qualification is a preliminary estimate without verification.
Do I need private mortgage insurance (PMI) in Salinas?
If your down payment is under 20% on a conventional loan, PMI is required. It can be removed once the balance is below 80% of the home's value.

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