How much house can you afford in San Diego? 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 |
|---|
San Diego Home LendersPremium
5.0 · 189 reviews · Free pre-approval
Get pre-approved →
S Synergy One Lending
5.0 · 3625 reviews · Free pre-approval
Get pre-approved →
W West Coast Funding Team of E Mortgage Capital
5.0 · 429 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 →
With over 26 years of experience, Maureen Martin specializes in helping first-time homebuyers and military families navigate purchase loans, refinancing, and various mortgage types including FHA, VA, jumbo, and reverse mortgages. Clients appreciate her clear communication, responsiveness, and personalized approach that makes the loan process straightforward and supportive.
Synergy One Lending is known for a responsive team that guides clients through the mortgage process with clear communication and practical backup plans. They offer mortgage brokerage services focused on making loans smooth and timely, with many customers appreciating their friendly approach and quick responses throughout the experience.
Known for their responsiveness and 24/7 availability, West Coast Funding Team of E Mortgage Capital specializes in helping first-time buyers and veterans secure home loans. The team guides clients through the mortgage process with clear communication and timely updates, though a few have noted minor issues with payoff handling.
Specializing in a variety of financing options including conventional, FHA, and VA loans, this mortgage broker brings nearly two decades of experience to California homebuyers. The team is known for clear communication, helping clients understand loan details and navigate the process smoothly. Some clients note the process can feel intense but appreciate the thorough guidance throughout.
Sam Baugh C2 Financial Corp specializes in flexible mortgage financing with access to over 100 wholesale lenders, offering competitive rates and personalized service. The team works closely with first-time buyers, veterans, and investors, guiding clients through purchases and refinances with clear communication and responsiveness. Some clients note occasional delays beyond their control but… more...
Sam Baugh C2 Financial Corp specializes in flexible mortgage financing with access to over 100 wholesale lenders, offering competitive rates and personalized service. The team works closely with first-time buyers, veterans, and investors, guiding clients through purchases and refinances with clear communication and responsiveness. Some clients note occasional delays beyond their control but appreciate the steady updates throughout.
Community Mortgage focuses on transparency and clear communication to guide clients through the mortgage process without surprises. Their team offers personalized support for home purchases and refinancing, often spending extra time to educate and address individual financial situations. Customers appreciate their patience and responsiveness, though the process can still feel complex at times.
Prospect Home Finance is a licensed mortgage broker known for placing homeowners’ needs first and offering a range of financing options, including home purchases and refinances. Customers appreciate the team’s frequent communication and ability to handle much of the process electronically, though some have noted persistent marketing calls despite do-not-call requests.
Next Level Lender stands out for its transparent communication and availability seven days a week, including evenings and holidays. The team offers mortgage loans, refinancing, and expert guidance tailored to each client’s needs, with a focus on education and honesty. Customers appreciate their responsiveness and the way they make complex processes easier to understand.
Specializing in fast financing and cash-out refinances, San Diego Home Loans helps borrowers lock in competitive rates and understand their options through thorough property assessments. The team offers clear communication and personal attention, though a few customers have noted occasional delays in responsiveness. Many appreciate the smooth process and detailed guidance.
Hampton Mortgage focuses on securing competitive rates and low closing costs for home loans, aiming to simplify the financing process. The team assists with purchases, refinances, and loans for self-employed clients, guiding borrowers through document preparation and approval. Customers appreciate their responsiveness and efficient, mostly digital approach.
Lenders made 21,384 home-purchase loans in San Diego County in 2025 (average about $816,000) and denied 2,882 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In San Diego, the median home is worth $906,700 and 70% of owners have a mortgage, paying a median $3,252 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in San Diego 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 | San Diego Home Lenders | 5.0 | 189 | Low | (619) 857-7191 | Visit |
| 2 | Synergy One Lending | 5.0 | 3625 | Quoted per loan | (888) 995-1256 | Visit |
| 3 | West Coast Funding Team of E Mortgage Capital | 5.0 | 429 | Quoted per loan | (619) 855-1084 | Visit |
| 4 | Maureen Martin | 5.0 | 120 | Quoted per loan | (619) 857-7191 | Visit |
| 5 | Sam Baugh C2 Financial Corp - Mortgage Broker | 5.0 | 100 | Quoted per loan | (858) 342-9952 | Visit |
| 6 | Community Mortgage | 5.0 | 100 | Quoted per loan | (619) 692-3630 | Visit |
| 7 | Prospect Home Finance | 4.7 | 102 | Quoted per loan | (858) 605-0952 | Visit |
| 8 | Next Level Lender | 4.9 | 91 | Quoted per loan | (858) 207-8436 | Visit |
| 9 | San Diego Home Loans | 4.9 | 56 | Quoted per loan | (619) 786-4478 | Visit |
| 10 | Hampton Mortgage | 5.0 | 19 | Quoted per loan | (858) 224-5746 | 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.