How much house can you afford in Stockton? 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.
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 |
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Central Valley Mortgage Group - Daniel A. Sosa
5.0 · 321 reviews · Free pre-approval
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Team Molina at Coast Home Loans
5.0 · 90 reviews · Free pre-approval
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Mission San Jose Mortgage
5.0 · 90 reviews · Free pre-approval
Get pre-approved →
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 →
Central Valley Mortgage Group specializes in personalized mortgage lending with a focus on clear communication and tailored loan options. The team offers a wide range of loans, including FHA, VA, construction, and jumbo loans, supporting first-time buyers and investors alike. Clients appreciate their responsiveness and smooth, well-organized process throughout each transaction.
Team Molina specializes in fast mortgage approvals paired with clear, personalized guidance throughout the homebuying process. They offer a range of loan options, including conventional, FHA, VA, USDA, Jumbo, Reverse, and Non-QM loans, often assisting first-time buyers with helpful resources. Clients appreciate their responsiveness and straightforward communication, though some find the process… more...
Team Molina specializes in fast mortgage approvals paired with clear, personalized guidance throughout the homebuying process. They offer a range of loan options, including conventional, FHA, VA, USDA, Jumbo, Reverse, and Non-QM loans, often assisting first-time buyers with helpful resources. Clients appreciate their responsiveness and straightforward communication, though some find the process moves quickly.
Mission San Jose Mortgage specializes in helping clients secure a variety of home loans, including VA loans, with clear and consistent communication throughout the process. The team is known for being responsive and supportive, often working outside regular hours to ensure a smooth experience. Some customers note the process can take time, but appreciate the attentive guidance.
With over 25 years of experience in real estate and mortgage lending, Valley Capital Lending & Realty, Inc. offers personalized guidance for buyers, sellers, and investors across Northern California. The team provides support in home buying, selling, property management, and rentals, with bilingual service that clients find responsive and attentive throughout the process.
Homeowners Financial Group USA, LLC focuses on guiding first-time homebuyers through the mortgage process with clear communication and support. The team helps clients understand each step, aiming for a smooth and efficient experience. Customers appreciate their responsiveness, though the process can take some time depending on individual circumstances.
Known for guiding clients through complex loan challenges with clear communication and patience, this mortgage advisor helps buyers navigate home financing smoothly. The team offers thorough explanations of loan options and stays solution-focused, creating a supportive experience even when unexpected issues arise. Customers appreciate the professional, reassuring approach throughout the process.
Coast Home Loans - Stockton is known for its attentive communication and patient guidance throughout the home loan process. The team offers mortgage brokerage services, helping clients navigate financing with clear answers and steady support. Customers appreciate their responsiveness and the calm they bring to what can be a stressful experience.
With over 25 years of experience specializing in California home lending, The Mortgage House offers personalized support for home purchases, refinancing, and reverse mortgages for seniors. The team is known for clear communication and guiding clients through each step, though current market conditions can make securing ideal rates challenging.
H.O.M.E. Lending is known for guiding first-time homebuyers and those with unique financing needs through the mortgage process with patience and clear communication. The team offers personalized loan options, including bank statement loans, and is praised for making complex steps easy to understand. Some customers note the process can take time, but appreciate the thorough support throughout.
Central Valley Mortgage Group - Alicia Amador specializes in guiding clients through home financing with clear explanations and patient support. The team assists with purchases and refinancing, often helping clients who face challenges elsewhere. Customers appreciate the straightforward communication and the effort to find workable loan options without pressure.
Lenders made 7,321 home-purchase loans in San Joaquin County in 2025 (average about $491,000) and denied 885 — 11% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Stockton, the median home is worth $440,900 and 69% of owners have a mortgage, paying a median $2,217 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in San Joaquin 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 | Central Valley Mortgage Group - Daniel A. Sosa | 5.0 | 321 | Quoted per loan | (209) 353-4657 | Visit |
| 2 | Team Molina at Coast Home Loans | 5.0 | 90 | — | (209) 609-0212 | Visit |
| 3 | Mission San Jose Mortgage | 5.0 | 90 | — | (888) 848-7199 | Visit |
| 4 | Valley Capital Lending & Realty, Inc. | 5.0 | 87 | $100 | (209) 808-2936 | Visit |
| 5 | Kristina Hernandez at Homeowners Financial Group USA, LLC | 5.0 | 74 | — | (209) 518-8277 | Visit |
| 6 | Esmeralda Velasco - Sr. Mortgage Advisor | 5.0 | 64 | Quoted per loan | (209) 614-7271 | Visit |
| 7 | Coast Home Loans - Stockton | 5.0 | 38 | — | (209) 900-2904 | Visit |
| 8 | The Mortgage House | 5.0 | 37 | Quoted per loan | (209) 474-7111 | Visit |
| 9 | H.O.M.E. Lending | 4.9 | 36 | Quoted per loan | (209) 477-0262 | Visit |
| 10 | Central Valley Mortgage Group - Alicia Amador | 5.0 | 20 | — | (209) 440-7710 | 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.