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Review Keywords Analysis

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

Mortgage Affordability Calculator San Diego, CA

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.

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 Diego

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

1

San Diego Home Lenders

Verified

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.

Services & Prices
Real Estate Finance Low
Conventional Loan, VA Loan Financing, Refinance Options)
Loan Education, Assistance with Paperwork, Guided Open Houses)
Interest Rate Analysis, Fee Comparison Service)
View Profile
(619) 857-7191
Closed Now
9655 Granite Ridge Dr., Suite 200
General Services
Mortgage Broker
2

Synergy One Lending

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(888) 995-1256
Closed Now
610 W Ash St Suite 1505, San Diego, CA 92101, USA
General Services
Mortgage Services
3

West Coast Funding Team of E Mortgage Capital

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.

Services & Prices
VA Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(619) 855-1084
Open 00:00 - 23:59
2555 Camino del Rio S Suite 210, San Diego, CA 92108, USA
General Services
Home Loans
4

Maureen Martin

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.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Rate-and-Term Refinance Quoted per loan
View Profile
(619) 857-7191
Closed Now
1455 Frazee Rd Ste 500,San Diego, CA 92108
General Services
Home Purchase Financing
5

Sam Baugh C2 Financial Corp - Mortgage Broker

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.

Services & Prices
First Time Home Loan Quoted per loan
Refinance Quoted per loan
VA Loan Quoted per loan
Home Equity Line of Credit Quoted per loan
View Profile
(858) 342-9952
Closed Now
5151 Shoreham Pl #250,San Diego, CA 92122
General Services
Mortgage Lending
Where they are 10 on the map Click a pin for the profile and directions
6

Community Mortgage

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.

Services & Prices
Credit Report Analysis Quoted per loan
View Profile
(619) 692-3630
Closed Now
814 Morena Blvd UNIT 310, San Diego, CA 92110, USA
General Services
Mortgage Refinancing
7

Prospect Home Finance

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.

Services & Prices
Cash-Out Refinance Quoted per loan
Rate and Term Refinance Quoted per loan
Investment Property Refinance Quoted per loan
Conventional Loans Quoted per loan
View Profile
(858) 605-0952
Closed Now
1235 Grand Ave Apt. 2,San Diego, CA 92109
General Services
Mortgage Refinancing
8

Next Level Lender

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.

Services & Prices
Pre-Approval Quoted per loan
Home Purchase Financing Quoted per loan
VA Home Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(858) 207-8436
Closed Now
2815 Camino del Rio S #250 - 260, San Diego, CA 92108, USA
General Services
Mortgage Services
9

San Diego Home Loans

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(619) 786-4478
Closed Now
3110 Camino del Rio S Suite 311, San Diego, CA 92108, USA
General Services
Mortgage Services
10

Hampton Mortgage

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(858) 224-5746
Closed Now
15347 Maturin Dr,San Diego, CA 92127
General Services
Mortgage Services

San Diego Mortgage Statistics

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

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).

Home-purchase loans, 2025
21,384▼ 3%21,968 in 2024
Denial rate
12%CA 12%
Median home value
$906,700CA $734,700
Monthly cost with a mortgage
$3,252median · CA $2,946
Refinance loans made (San Diego County, 2025)
20,234 · 13,920 in 2024
Home-improvement loans made (2025)
5,986
Average home-purchase loan
$816,000 (CA $711,000)
Owners with a mortgage
70% · 38% of them spend 30%+ of income on housing
Median household income
$108,077 (CA $99,122)

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.

San Diego Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this San Diego 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

10 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability estimate?
It's an estimate; a pre-approval confirms the real number. The lender verifies income, debts, credit, and down payment.
What is the debt-to-income ratio for California mortgages?
Lenders typically cap housing costs at 31% of gross monthly income and total debts at 43%, though some loans allow more with strong credit.
What's the minimum down payment for a San Diego home?
3% for conventional first-time buyer loans, 3.5% for FHA loans; VA and USDA loans may allow 0% down for eligible buyers.
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 how much mortgage I can get?
Higher monthly debts reduce the mortgage amount you can qualify for, as they increase your debt-to-income ratio.
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 pre-approval and pre-qualification?
Pre-approval involves verifying your financials and gives a confirmed loan amount; pre-qualification is an initial estimate.
Do I need private mortgage insurance (PMI) in San Diego?
If your down payment is under 20% on a conventional loan, PMI is typically required and can be about 0.6% of the loan annually.
What does a mortgage broker do?
A mortgage broker connects homebuyers with lenders, helping to find loan options that fit the buyer's financial situation.

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