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.
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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 |
|---|
New American Funding
4.9 · 8008 reviews · Free pre-approval
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E Mortgage Capital, Inc.
4.7 · 3686 reviews · Free pre-approval
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ARBOR Financial Group | #1 Mortgage Broker
4.9 · 318 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.