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Review Keywords Analysis

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

Mortgage Affordability Calculator Santa Clarita, CA

How much house can you afford in Santa Clarita? 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 Clarita

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

1

American Family Funding

American Family Funding specializes in mortgage solutions for veterans and seniors, including VA loans and reverse mortgages. Their team also assists first-time buyers and those refinancing to improve cash flow, often navigating complex income situations. Clients appreciate their patience, clear communication, and persistence throughout the loan process.

Services & Prices
Conventional Home Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Cash-Out Refinance Quoted per loan
View Profile
(661) 284-1150
Closed Now
28015 Smyth Dr, Santa Clarita, CA 91355
General Services
Home Loans
2

Peter Cosfol - Senior Loan Officer

Known for clear communication and reliable support, this loan officer specializes in home financing with a focus on making the process straightforward. The team handles everything from application to closing, often praised for responsiveness and helpful guidance, though some clients appreciate a bit of extra hand-holding along the way.

View Profile
(818) 281-1466
Closed Now
25129 The Old Rd #350, Santa Clarita, CA 91381
3

GEM Mortgage - Terry Bleecker

With over three decades of experience, GEM Mortgage offers a broad range of loan programs, including VA, USDA, jumbo, and renovation loans. The team is known for guiding clients through the mortgage process with clear communication and responsiveness, though some may find the variety of options a bit overwhelming at first.

Services & Prices
Initial Mortgage Quoted per loan
Mortgage Refinance Quoted per loan
View Profile
(661) 268-4168
Closed Now
27893 Smyth Dr 2nd Floor, Santa Clarita, CA 91355
General Services
Mortgage Services
4

Great Western Home Loans, Inc.

Founded by homebuilders, Great Western Home Loans brings specialized expertise in new construction lending alongside refinancing and resale mortgages. The team guides clients through every step with clear communication and personalized service, helping borrowers understand their options. Customers appreciate the attentive support and problem-solving approach throughout the process.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(661) 205-8126
Closed Now
24911 Avenue Stanford, Santa Clarita, CA 91355
General Services
Home Financing
5

Security Bancorp

Licensed in California and offering a wide range of mortgage options, Security Bancorp helps clients navigate home loans with personalized rate quotes and quick follow-up. Their services include FHA, VA, jumbo, and reverse mortgages, along with tools like payment calculators and refinance analysis. Customers appreciate the team’s professionalism and responsiveness throughout the process.

Services & Prices
First Time Home Buyer Consultation $100 - $150
Investment Property Consultation $150 - $200
Market Analysis Consultation $75 - $120
Pre-Approval Assistance $50 - $100
View Profile
(661) 254-6777
Closed Now
23504 Lyons Ave #103b, Santa Clarita, CA 91321
General Services
Real Estate Consultation
Where they are 10 on the map Click a pin for the profile and directions
6

SCV Home Loans

SCV Home Loans offers one of the fastest pre-approval processes in California, often completing it within 60 minutes. Specializing in purchase, refinance, and cash-out loans, they provide competitive rates and a fully paperless experience with live support seven days a week. Customers appreciate the team’s clear communication and willingness to assist even under tight deadlines.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(661) 388-0345
Open 9:00 AM - 10:00 PM
24820 Orchard Village Rd Ste A-278, Santa Clarita, CA 91355
General Services
Home Loan Services
7

MGM Mortgage Inc. George Coronado, Mortgage Broker/Realtor/Reverse Mortgages

MGM Mortgage Inc. focuses on reverse mortgages and equity optimization for homeowners aged 62 and older, offering free consultations to explore tax-free income options. The team also handles residential, investment, and commercial loans, along with low-cost property listings. Clients appreciate their clear communication and professional, pressure-free approach.

View Profile
(661) 810-3283
Open 9:00 AM - 7:00 PM
18273 Soledad Canyon Rd, Santa Clarita, CA 91387
8

The Mortgage Nut

Licensed by the California Department of Financial Protection and Innovation, The Mortgage Nut specializes in mortgage solutions for diverse financial situations, including self-employed borrowers and veterans. Their team offers personalized loan options like VA, Jumbo, and Non-QM loans, with clear communication and timely updates throughout the process. Clients appreciate their responsiveness… more...

Licensed by the California Department of Financial Protection and Innovation, The Mortgage Nut specializes in mortgage solutions for diverse financial situations, including self-employed borrowers and veterans. Their team offers personalized loan options like VA, Jumbo, and Non-QM loans, with clear communication and timely updates throughout the process. Clients appreciate their responsiveness and thorough guidance, though some note the experience can feel very focused on meeting deadlines.

Services & Prices
Home Loan Quoted per loan
Refinance Quoted per loan
VA Loan Quoted per loan
View Profile
(661) 505-2522
Closed Now
28009 Smyth Dr Ste 200, Santa Clarita, CA 91355
General Services
Mortgage Services
9

Dan Schweit-Mortgage Loan Consultant

Specializing in clear communication and attentive support, Dan Schweit-Mortgage Loan Consultant guides clients through home purchase loans and refinancing with steady updates from start to finish. The team is known for promptly answering questions and providing thorough assistance, helping borrowers feel confident throughout the mortgage process.

View Profile
(818) 726-2180
Open 00:00 - 23:59
25152 Springfield Ct #150, Santa Clarita, CA 91355
10

Lakeside Lending

About Lakeside LendingLakeside Lending is a California-based home loan provider dedicated to assisting clients with their purchase and refinance needs. The company emphasizes integrity and loyalty, striving to offer the best available mortgage options. They aim to provide an easy and pleasant loan experience for all clients, positioning themselves as a reliable partner in the home-buying process.… more...

About Lakeside LendingLakeside Lending is a California-based home loan provider dedicated to assisting clients with their purchase and refinance needs. The company emphasizes integrity and loyalty, striving to offer the best available mortgage options. They aim to provide an easy and pleasant loan experience for all clients, positioning themselves as a reliable partner in the home-buying process. Their core mission revolves around exceptional customer service and client satisfaction, ensuring that every client feels supported and valued throughout their home financing journey.Credentials & ExpertiseWhile specific certifications and licenses are not detailed, Lakeside Lending operates with a strong emphasis on professionalism and knowledge. Angie, a key figure, is frequently praised for her deep understanding of mortgage lending, ability to handle complex situations, and persistent effort. Testimonials highlight her as a knowledgeable and dependable lender, suggesting a high level of expertise and commitment to client success. The company's focus on client-centric service implies a dedication to ethical practices and client well-being.OfferingsLakeside Lending specializes in California home loans, offering services for both purchasing new homes and refinancing existing ones. They provide various loan products designed to meet diverse client needs. The application process is streamlined, with options to apply online. The company also offers resources such as a mortgage blog with advice for home buyers and homeowners, covering topics like data safety, energy upgrades, and equity loans. Their service areas encompass California, with a focus on guiding clients through the complexities of mortgage acquisition.Unique AdvantagesLakeside Lending distinguishes itself through its highly personalized service, exemplified by Angie's dedication to going the extra mile for clients. They are noted for their ability to navigate complicated loan scenarios and provide consistent support, even outside of standard business hours. The company's commitment to fighting for clients and ensuring their dream homes become a reality, as evidenced by numerous testimonials, sets them apart as a tenacious and client-focused mortgage provider.

View Profile
(818) 425-9951
Open 00:00 - 23:59
27200 Tourney Rd, Santa Clarita, CA 91355

Santa Clarita Mortgage Statistics

Home-purchase lending in Los Angeles County and home costs in Santa Clarita, CA (latest HMDA and Census data)

Lenders made 42,509 home-purchase loans in Los Angeles County in 2025 (average about $923,000) and denied 6,267 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Santa Clarita, the median home is worth $784,700 and 76% of owners have a mortgage, paying a median $3,309 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
42,509▼ 1%43,093 in 2024
Denial rate
13%CA 12%
Median home value
$784,700CA $734,700
Monthly cost with a mortgage
$3,309median · CA $2,946
Refinance loans made (Los Angeles County, 2025)
42,471 · 30,893 in 2024
Home-improvement loans made (2025)
10,516
Average home-purchase loan
$923,000 (CA $711,000)
Owners with a mortgage
76% · 41% of them spend 30%+ of income on housing
Median household income
$123,062 (CA $99,122)

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

Santa Clarita Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 American Family Funding 4.9 209 Quoted per loan (661) 284-1150 Visit
2 Peter Cosfol - Senior Loan Officer 5.0 103 — (818) 281-1466 Visit
3 GEM Mortgage - Terry Bleecker 5.0 81 Quoted per loan (661) 268-4168 Visit
4 Great Western Home Loans, Inc. 4.8 70 Quoted per loan (661) 205-8126 Visit
5 Security Bancorp 5.0 66 $50 (661) 254-6777 Visit
6 SCV Home Loans 5.0 28 Quoted per loan (661) 388-0345 Visit
7 MGM Mortgage Inc. George Coronado, Mortgage Broker/Realtor/Reverse Mortgages 5.0 21 — (661) 810-3283 Visit
8 The Mortgage Nut 5.0 19 Quoted per loan (661) 505-2522 Visit
9 Dan Schweit-Mortgage Loan Consultant 5.0 10 — (818) 726-2180 Visit
10 Lakeside Lending 5.0 3 — (818) 425-9951 Visit

How this Santa Clarita 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 Santa Clarita?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate, following common lender guidelines.
How accurate is the mortgage affordability estimate?
It's a general estimate. A lender's pre-approval confirms the actual amount, verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in California?
Lenders typically cap housing costs at 31% of gross income and total debt payments at 43%. Some conventional loans may allow more with strong credit.
What is the minimum down payment for a home in Santa Clarita?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in California?
With less than 20% down, conventional loans add PMI, about 0.6% of the loan per year. It can be removed once the balance is below 80% of the home's value.
How do interest rates impact mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts at a 7.40% rate, changing weekly.
How do debts affect how much mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of gross income.
What is the property tax rate in Santa Clarita, California?
The property tax rate is about 0.69% of the home's value per year, based on the 2024 California average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit for an exact amount. Pre-qualification is an initial estimate without verification.

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