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Review Keywords Analysis

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

How much house can you afford in San Jose? 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 Jose

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

1

C2 Financial Corporation - Shawn Sidhu

Specializing in mortgage solutions for clients with challenging loan requirements, C2 Financial Corporation - Shawn Sidhu leverages a broad network of wholesale lenders to find fitting options. The team offers services including refinancing and first-time homebuyer loans, with customers appreciating their thorough communication and ability to navigate complex cases. Some note the process can feel… more...

Specializing in mortgage solutions for clients with challenging loan requirements, C2 Financial Corporation - Shawn Sidhu leverages a broad network of wholesale lenders to find fitting options. The team offers services including refinancing and first-time homebuyer loans, with customers appreciating their thorough communication and ability to navigate complex cases. Some note the process can feel detailed but ultimately rewarding.

Services & Prices
Home Loan Quoted per loan
Refinance Quoted per loan
Pre-approval Quoted per loan
View Profile
(408) 610-8011
Open 8:30 AM - 7:00 PM
99 S Almaden Blvd #600,San Jose, CA 95113
General Services
Mortgage Services
2

First Stop Mortgage Corporation

First Stop Mortgage Corporation offers a commission-free, fully online mortgage process designed to simplify home financing. The team handles a variety of loan types, including fixed-rate mortgages, and stays responsive through every step, often communicating beyond regular hours. Customers appreciate their clear explanations and timely support, though some note that interest rates depend on… more...

First Stop Mortgage Corporation offers a commission-free, fully online mortgage process designed to simplify home financing. The team handles a variety of loan types, including fixed-rate mortgages, and stays responsive through every step, often communicating beyond regular hours. Customers appreciate their clear explanations and timely support, though some note that interest rates depend on lenders.

Services & Prices
Home Purchase Loans Quoted per loan
Mortgage Refinancing Quoted per loan
Loan Pre-approval Quoted per loan
View Profile
(408) 900-6789
Open 9:00 AM - 5:00 PM
2114 Senter Rd STE 11, San Jose, CA 95112, USA
General Services
Mortgage Services
3

loanDepot

loanDepot offers specialized VA-backed loan programs for active military and veterans, alongside traditional fixed-rate and FHA mortgages. Their team is known for clear, timely communication and efficient processing, often completing loans within a few weeks. Customers appreciate their responsiveness and helpful online tools, though the busy market can sometimes add complexity to the process.

Services & Prices
Fixed-Rate Mortgage Quoted per loan
Adjustable-Rate Mortgage Quoted per loan
FHA Loans Quoted per loan
Cash-Out Refinancing Quoted per loan
View Profile
(707) 408-9050
Open 9:00 AM - 5:00 PM
1762 Technology Dr Ste 223, San Jose, CA 95110, USA
General Services
Home Loans
4

101 Loan and Rob McCarthy - Specialist in Residential, Commercial and Reverse Mortgage Financing

With over 30 years of experience and connections to more than 50 lenders, 101 Loan specializes in residential, commercial, and reverse mortgage financing. The team is known for quick responses, clear communication, and handling complex transactions efficiently, though some clients note occasional challenges typical of multifaceted deals.

Services & Prices
First Home Purchase Quoted per loan
Home Loan Pre-Approval Quoted per loan
Investment Property Financing Quoted per loan
Business Property Financing Quoted per loan
View Profile
(650) 465-8957
Open 8:00 AM - 6:00 PM
6020 Hellyer Ave #150, San Jose, CA 95138, USA
General Services
Residential Lending
5

PRMG - San Jose, CA

PRMG offers a wide range of mortgage products, including conventional, renovation, FHA, VA, USDA, jumbo, and non-QM loans, with options for borrowers with lower credit scores. The team is known for clear communication and patient guidance throughout the lending process, though some clients note occasional bumps that are handled with support.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(408) 802-8522
Open 9:00 AM - 5:00 PM
1762 Technology Dr Suite 106, San Jose, CA 95110, USA
General Services
Home Loans
Where they are 9 on the map Click a pin for the profile and directions
6

Pannu Mortgage

Known for monitoring interest rates closely and notifying clients promptly, Pannu Mortgage offers personalized mortgage solutions without pressure. The team assists with refinancing and new mortgages, focusing on competitive rates and timely closings. Customers appreciate their responsiveness and straightforward approach, though occasional after-hours calls may catch some by surprise.

Services & Prices
Home Loan Refinancing Quoted per loan
New Mortgage Acquisition Quoted per loan
Rate Lock Assistance Quoted per loan
Rate Comparison Quoted per loan
View Profile
(408) 593-6995
Open 9:30 AM - 5:30 PM
3675 Cedar Knoll Ct, San Jose, CA 95121, USA
General Services
Mortgage Services
7

Stephen Wong - Bayone Reic

With over a decade of experience in residential lending, Stephen Wong - Bayone Reic focuses on conventional loans, refinancing, and specialized programs like HARP for underwater mortgages. The team is known for thorough communication and patience, especially with complex cases, though some clients have wished for more detailed exploration of unique financial situations.

Services & Prices
New Home Loans Quoted per loan
Refinancing Quoted per loan
Investment Property Loans Quoted per loan
Initial Rate Lock Quoted per loan
View Profile
(408) 780-8228
Open 8:00 AM - 10:00 PM
1754 Technology Dr STE 108, San Jose, CA 95110, USA
General Services
Loan Services
8

The Reen Team at Direct Mortgage Funding

The Reen Team at Direct Mortgage Funding focuses on guiding clients through mortgage options that best fit their unique situations, whether buying, refinancing, or tapping home equity. Their team handles the application process efficiently and keeps clients well-informed, with many noting their friendly, responsive service and ability to close loans quickly.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
ADU Financing Quoted per loan
Initial Assessment Quoted per loan
View Profile
Open 8:30 AM - 6:00 PM
3190 S Bascom Ave #100, San Jose, CA 95124, USA
General Services
Mortgage Services
9

Hector Ramirez - CrossCountry Mortgage, LLC.

Known for clear communication and personalized mortgage guidance, Hector Ramirez - CrossCountry Mortgage, LLC. offers a variety of loan programs including FHA, VA, conventional, and jumbo loans. The team supports clients through buying, refinancing, or renovation loans, with many appreciating their responsiveness and thorough updates throughout the process.

Services & Prices
Home Loan Acquisition Quoted per loan
Refinancing Quoted per loan
View Profile
(408) 841-6630
Open 8:00 AM - 5:00 PM
1080 Minnesota Ave Ste. 1, San Jose, CA 95125, USA
General Services
Mortgage Services

San Jose Mortgage Statistics

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

Lenders made 10,713 home-purchase loans in Santa Clara County in 2025 (average about $1,307,000) and denied 1,143 — 10% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In San Jose, the median home is worth $1,233,200 and 68% of owners have a mortgage, paying a median $4,001 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
10,713▼ 7%11,482 in 2024
Denial rate
10%CA 12%
Median home value
$1,233,200CA $734,700
Monthly cost with a mortgage
$4,001median · CA $2,946
Refinance loans made (Santa Clara County, 2025)
10,892 · 6,161 in 2024
Home-improvement loans made (2025)
2,060
Average home-purchase loan
$1,307,000 (CA $711,000)
Owners with a mortgage
68% · 33% of them spend 30%+ of income on housing
Median household income
$146,427 (CA $99,122)

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

San Jose Mortgage Brokers stats: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 C2 Financial Corporation - Shawn Sidhu 4.9 99 Quoted per loan (408) 610-8011 Visit
2 First Stop Mortgage Corporation 5.0 69 Quoted per loan (408) 900-6789 Visit
3 loanDepot 4.8 53 Quoted per loan (707) 408-9050 Visit
4 101 Loan and Rob McCarthy - Specialist in Residential, Commercial and Reverse Mortgage Financing 5.0 37 Quoted per loan (650) 465-8957 Visit
5 PRMG - San Jose, CA 5.0 30 Quoted per loan (408) 802-8522 Visit
6 Pannu Mortgage 5.0 25 Quoted per loan (408) 593-6995 Visit
7 Stephen Wong - Bayone Reic 4.8 24 Quoted per loan (408) 780-8228 Visit
8 The Reen Team at Direct Mortgage Funding 5.0 19 Quoted per loan — Visit
9 Hector Ramirez - CrossCountry Mortgage, LLC. 5.0 6 Quoted per loan (408) 841-6630 Visit

How this San Jose 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 for San Jose?
The calculator estimates the highest home price you can qualify for using your income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability estimate?
The estimate is a guideline. A pre-approval confirms the real number after verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgage qualification?
Lenders generally cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What is the minimum down payment for a mortgage in California?
Minimum down payment is 3% for conventional first-time buyer loans and 3.5% for FHA loans; VA and USDA loans can allow 0% down.
How does the interest rate affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do monthly debts impact my mortgage qualification?
Monthly debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of gross monthly income.
What is the property tax rate in California?
Property tax is about 0.69% of the home's value per year in California.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, while pre-qualification is an initial estimate without verification.
How does PMI affect my mortgage in San Jose?
With under 20% down, PMI adds about 0.6% of the loan per year. It can be removed once the balance is below 80% of the home's value.

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