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Review Keywords Analysis

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

Mortgage Affordability Calculator San Bernardino, CA

How much house can you afford in San Bernardino? 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 San Bernardino

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

1

Celer Mortgage inc.

Celer Mortgage specializes in providing a fast, simplified lending experience with a variety of loan programs, including FHA, VA, Conventional, and refinance options. The team is known for clear communication and thorough guidance, helping first-time buyers and seasoned homeowners navigate the process with confidence. Some clients note the process can be complex, but the staff’s responsiveness… more...

Celer Mortgage specializes in providing a fast, simplified lending experience with a variety of loan programs, including FHA, VA, Conventional, and refinance options. The team is known for clear communication and thorough guidance, helping first-time buyers and seasoned homeowners navigate the process with confidence. Some clients note the process can be complex, but the staff’s responsiveness and problem-solving skills stand out.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
VA Loans Quoted per loan
View Profile
(909) 763-2424
Closed Now
2086 S E St Ste 201, San Bernardino, CA 92408
General Services
Mortgage Services
2

Jesse Magana - Mortgage Broker

With over seven years serving the Inland Empire, Jesse Magana works as a broker-side loan officer with access to more than 70 wholesale lenders, offering a wide range of mortgage options. The team helps with home purchase loans, refinancing, and specialized programs, communicating clearly and supporting clients through each step of the process. Customers appreciate the patient guidance and… more...

With over seven years serving the Inland Empire, Jesse Magana works as a broker-side loan officer with access to more than 70 wholesale lenders, offering a wide range of mortgage options. The team helps with home purchase loans, refinancing, and specialized programs, communicating clearly and supporting clients through each step of the process. Customers appreciate the patient guidance and responsiveness, especially during stressful moments.

Services & Prices
First-time Homebuyers Loan Quoted per loan
Conventional Home Loan Quoted per loan
FHA Loan Quoted per loan
View Profile
(909) 543-8188
Open 8:00 AM - 8:00 PM
2086 S E St Ste 201, San Bernardino, CA 92408
General Services
Home Loan Services
3

Arrowhead Mortgage

Known for a quick average loan approval time of just 10 days, Arrowhead Mortgage offers a range of home purchase and refinancing options supported by secure online applications and interactive tools. The team is praised for clear communication and thorough guidance, though clients note that completing the initial application carefully helps avoid delays later on.

Services & Prices
Closing Cost Management Quoted per loan
View Profile
(888) 777-3556
Open 00:00 - 23:59
225 W Hospitality Ln #201f, San Bernardino, CA 92408
General Services
Mortgage Services
4

Noble Mortgage

Noble Mortgage stands out for its personalized approach, blending advanced technology with local market knowledge to offer a range of loan programs tailored to various borrower needs. The team handles everything from conventional and jumbo loans to VA and commercial financing, consistently praised for clear communication and a straightforward process. Some clients note the experience can feel… more...

Noble Mortgage stands out for its personalized approach, blending advanced technology with local market knowledge to offer a range of loan programs tailored to various borrower needs. The team handles everything from conventional and jumbo loans to VA and commercial financing, consistently praised for clear communication and a straightforward process. Some clients note the experience can feel more traditional than fully digital, but most appreciate the friendly, reliable support throughout.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinance Mortgage Quoted per loan
Second Mortgage Quoted per loan
View Profile
(714) 395-9354
Closed Now
1881 Commercenter E Ste 138, San Bernardino, CA 92408
General Services
Mortgage Services
5

Celer Mortgage - Joshua Meza - Mortgage Loan Officer

Celer Mortgage specializes in clear communication and reliable support throughout the loan process. The team offers mortgage lending services with timely updates, on-the-spot estimates, and personalized guidance. Customers appreciate their professionalism and follow-through, though some note the experience depends on individual cases.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(909) 329-1537
Closed Now
2086 S E St Ste 201, San Bernardino, CA 92408
General Services
Mortgage Lending
Where they are 7 on the map Click a pin for the profile and directions
6

US Bank Mortgage

US Bank Mortgage offers a range of home loan options and refinancing services, with a team known for being helpful and cheerful. Customers appreciate the friendly approach, though some have experienced challenges with communication and account issues. The staff aims to assist with mortgage needs despite occasional delays.

View Profile
(800) 872-2657
Closed Now
4434 University Pkwy, San Bernardino, CA 92407
7

Spot ON Lending

Spot On Lending® offers a fast 24-hour pre-approval process and closes loans in about 21 days, serving buyers and investors across several states. They provide a range of mortgage options, including conventional loans with low down payments, and tools to help clients search homes and evaluate refinancing. Customers appreciate the team’s responsiveness and guidance throughout the process.

View Profile
(844) 545-1665
Closed Now
325 W Hospitality Ln, San Bernardino, CA 92408

San Bernardino Mortgage Statistics

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

Lenders made 17,195 home-purchase loans in San Bernardino County in 2025 (average about $469,000) and denied 2,548 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In San Bernardino, the median home is worth $422,300 and 68% of owners have a mortgage, paying a median $2,083 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
17,195▼ 2%17,574 in 2024
Denial rate
13%CA 12%
Median home value
$422,300CA $734,700
Monthly cost with a mortgage
$2,083median · CA $2,946
Refinance loans made (San Bernardino County, 2025)
12,170 · 9,471 in 2024
Home-improvement loans made (2025)
3,061
Average home-purchase loan
$469,000 (CA $711,000)
Owners with a mortgage
68% · 40% of them spend 30%+ of income on housing
Median household income
$67,415 (CA $99,122)

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

San Bernardino Mortgage Brokers stats: 7 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Celer Mortgage inc. 4.6 73 Quoted per loan (909) 763-2424 Visit
2 Jesse Magana - Mortgage Broker 5.0 55 Quoted per loan (909) 543-8188 Visit
3 Arrowhead Mortgage 5.0 49 Quoted per loan (888) 777-3556 Visit
4 Noble Mortgage 5.0 16 Quoted per loan (714) 395-9354 Visit
5 Celer Mortgage - Joshua Meza - Mortgage Loan Officer 5.0 9 Quoted per loan (909) 329-1537 Visit
6 US Bank Mortgage 4.0 5 — (800) 872-2657 Visit
7 Spot ON Lending 5.0 3 — (844) 545-1665 Visit

How this San Bernardino 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 afford based on income, debts, down payment, and interest rate, considering PMI and property tax.
What is the debt-to-income ratio for mortgages in California?
Lenders typically cap housing costs at 31% of gross income and total debt payments at 43%.
What is the minimum down payment for first-time buyers in San Bernardino?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans.
How does PMI affect my mortgage in San Bernardino?
With less than 20% down, PMI is about 0.6% of the loan annually and can be removed once the loan balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford.
How do my existing debts affect my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as total debt payments are capped at 43% of income.
What is the property tax rate in California?
The property tax rate is about 0.69% of the home's value annually.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps you find and apply for a mortgage, comparing different lenders and products.

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