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Review Keywords Analysis

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

Mortgage Affordability Calculator Santa Ana, CA

How much house can you afford in Santa Ana? 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 Santa Ana

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

1

New American Funding

New American Funding focuses on clear, consistent communication throughout the mortgage process, helping clients feel informed and supported. The team offers mortgage brokerage services and is noted for prompt responses and thorough explanations. Some clients mention that the process can feel lengthy, but appreciate the steady guidance provided.

View Profile
(800) 450-2010
Closed Now
1 MacArthur Pl #800, Santa Ana, CA 92707
2

E Mortgage Capital, Inc.

E Mortgage Capital, Inc. offers personalized mortgage brokerage services with a focus on clear communication and smooth transactions. The team assists clients through every step of the loan process, often praised for their responsiveness and professionalism. Some customers note occasional unwanted text messages, but many appreciate the attentive support throughout.

Services & Prices
Mortgage Brokerage Quoted per loan
Closing Assistance Quoted per loan
View Profile
(855) 569-3700
Closed Now
3750 S Susan St, Santa Ana, CA 92704
General Services
Mortgage Services
3

ARBOR Financial Group | #1 Mortgage Broker

ARBOR Financial Group specializes in guiding clients through the mortgage process with clear communication and personalized support. Their team assists with securing financing for new builds and first-time homebuyers, often making the experience smooth and straightforward. Customers appreciate their responsiveness and the care taken to explain each step.

View Profile
(866) 521-6488
Closed Now
1805 E Garry Ave, Santa Ana, CA 92705
4

LoanLock

LoanLock is known for clear communication and knowledgeable guidance throughout the mortgage process. The team helps with home purchases, refinancing, and navigating complex loan situations, often making stressful moments easier for first-time buyers. Customers appreciate their responsiveness and professionalism, though some note occasional challenges that are handled promptly.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(888) 671-5625
Closed Now
6 Hutton Centre Dr Ste 1030, Santa Ana, CA 92707
General Services
Mortgage Services
5

Arbor Financial Group: Jay Rodriguez, Mortgage Broker

Arbor Financial Group focuses on securing low interest rates and making the mortgage process hassle-free for homebuyers and those refinancing. The team guides clients through loan options and lender interactions with clear communication and personalized support. Customers appreciate their responsiveness and smooth, client-centered approach throughout the process.

Services & Prices
Cash-Out Refinance Quoted per loan
Rate-and-Term Refinance Quoted per loan
Streamline Refinance Quoted per loan
Conventional Home Loan Quoted per loan
View Profile
(949) 606-2410
Closed Now
1805 E Garry Ave, Santa Ana, CA 92705
General Services
Refinancing
Where they are 10 on the map Click a pin for the profile and directions
6

NEW LIFE FINANCE, INC. DBA iFund Mortgage

iFund Mortgage focuses on helping clients find mortgage loans that fit their unique financial situations, often with low down payment options. Their services include loan matching through an online tool, credit score guidance, and support throughout the home buying and refinancing process. Customers appreciate the team’s responsiveness and clear communication, though the experience depends on… more...

iFund Mortgage focuses on helping clients find mortgage loans that fit their unique financial situations, often with low down payment options. Their services include loan matching through an online tool, credit score guidance, and support throughout the home buying and refinancing process. Customers appreciate the team’s responsiveness and clear communication, though the experience depends on individual loan officers.

Services & Prices
Pre-Qualification Quoted per loan
Loan Applications Quoted per loan
Closing Services Quoted per loan
View Profile
(800) 910-9495
Closed Now
1971 E 4th St #340, Santa Ana, CA 92705
General Services
Mortgage Services
7

New American Funding - Santa Ana, CA

New American Funding specializes in mortgage lending programs that help make homeownership more accessible, including options like low down payments and cash offer assistance. The team handles everything from loan origination to funding with clear communication, though some customers note the process can require patience. Their services include conventional, FHA, VA loans, and refinancing.

View Profile
(714) 581-5322
Closed Now
215 N Main St, Santa Ana, CA 92701
8

Vanessa Schwartz - The Schwartz Group

Known for clear explanations and responsive communication, The Schwartz Group guides clients smoothly through the home loan process. The team handles everything from initial questions to closing, often stepping in when traditional lenders back out. Customers appreciate the straightforward approach and detailed attention to each step.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(949) 521-0015
Closed Now
1805 E Garry Ave, Santa Ana, CA 92705
General Services
Home Loan Services
9

Lendia, Inc.

Lendia specializes in providing a technology-driven, streamlined mortgage experience for home purchases and refinancing. They offer a variety of loan options, including Conventional, FHA, and VA loans, along with helpful online tools like mortgage calculators and a Home Value Checker. Customers appreciate the knowledgeable team’s clear communication and professional guidance throughout the… more...

Lendia specializes in providing a technology-driven, streamlined mortgage experience for home purchases and refinancing. They offer a variety of loan options, including Conventional, FHA, and VA loans, along with helpful online tools like mortgage calculators and a Home Value Checker. Customers appreciate the knowledgeable team’s clear communication and professional guidance throughout the lending process.

View Profile
(949) 333-4636
Open 00:00 - 23:59
1907 Millwood St, Santa Ana, CA 92705
10

Stahl Mortgage

Known for working closely with first-time homebuyers and investors, Stahl Mortgage offers personalized guidance through the mortgage process. The team handles a variety of financing options and is praised for clear communication and responsiveness. Some clients note the experience can feel informal, but many appreciate the supportive approach.

View Profile
(949) 300-8436
Open 00:00 - 23:59
1611 S Joane Way, Santa Ana, CA 92704

Santa Ana Mortgage Statistics

Home-purchase lending in Orange County and home costs in Santa Ana, CA (latest HMDA and Census data)

Lenders made 16,222 home-purchase loans in Orange County in 2025 (average about $980,000) and denied 2,251 — 12% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Santa Ana, the median home is worth $713,000 and 65% of owners have a mortgage, paying a median $2,602 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
16,222▼ 2%16,522 in 2024
Denial rate
12%CA 12%
Median home value
$713,000CA $734,700
Monthly cost with a mortgage
$2,602median · CA $2,946
Refinance loans made (Orange County, 2025)
18,994 · 12,896 in 2024
Home-improvement loans made (2025)
5,251
Average home-purchase loan
$980,000 (CA $711,000)
Owners with a mortgage
65% · 39% of them spend 30%+ of income on housing
Median household income
$93,999 (CA $99,122)

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

Santa Ana Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 New American Funding 4.9 8008 — (800) 450-2010 Visit
2 E Mortgage Capital, Inc. 4.7 3686 Quoted per loan (855) 569-3700 Visit
3 ARBOR Financial Group | #1 Mortgage Broker 4.9 318 — (866) 521-6488 Visit
4 LoanLock 4.8 296 Quoted per loan (888) 671-5625 Visit
5 Arbor Financial Group: Jay Rodriguez, Mortgage Broker 4.9 192 Quoted per loan (949) 606-2410 Visit
6 NEW LIFE FINANCE, INC. DBA iFund Mortgage 5.0 114 Quoted per loan (800) 910-9495 Visit
7 New American Funding - Santa Ana, CA 5.0 80 — (714) 581-5322 Visit
8 Vanessa Schwartz - The Schwartz Group 5.0 52 Quoted per loan (949) 521-0015 —
9 Lendia, Inc. 5.0 47 — (949) 333-4636 Visit
10 Stahl Mortgage 5.0 34 — (949) 300-8436 Visit

How this Santa Ana 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 in Santa Ana?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate, considering PMI and property tax.
How much house can I afford on a $100k salary in California?
Generally, lenders cap housing costs at about 31% of gross monthly income, but exact figures depend on your debts and down payment.
What is the minimum down payment for a mortgage in California?
First-time buyers can put down as little as 3% on conventional loans or 3.5% on FHA loans; VA and USDA loans may allow 0% down.
How does debt affect my mortgage qualification?
Lenders typically limit total debt payments to 43% of gross monthly income, which includes your new mortgage payment.
What is the property tax rate in California?
The average property tax rate for owner-occupied homes in California is about 0.69% of the home's value annually.
How do interest rates affect how much I can borrow?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, while pre-qualification is a preliminary estimate without verification.
Do I need private mortgage insurance (PMI) in Santa Ana?
If your down payment is under 20% on a conventional loan, PMI is typically required but can be removed once the loan balance is below 80% of the home's value.
How accurate is this mortgage affordability estimate?
The calculator provides an estimate; actual approval depends on lender verification of income, debts, and credit.

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