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.
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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 |
|---|
Celer Mortgage inc.
4.6 · 73 reviews · Free pre-approval
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Jesse Magana - Mortgage Broker
5.0 · 55 reviews · Free pre-approval
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Arrowhead Mortgage
5.0 · 49 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 →
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.