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

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.

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 Stockton

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

1

Central Valley Mortgage Group - Daniel A. Sosa

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Mortgage Quoted per loan
FHA Loans Quoted per loan
View Profile
(209) 353-4657
Closed Now
5713 N Pershing Ave Ste D2, Stockton, CA 95207
General Services
Mortgage Services
2

Team Molina at Coast Home Loans

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.

View Profile
(209) 609-0212
Closed Now
3485 Brookside Rd Ste 104, Stockton, CA 95219
3

Mission San Jose Mortgage

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.

View Profile
(888) 848-7199
Closed Now
2111 W March Ln # B200, Stockton, CA 95207
4

Valley Capital Lending & Realty, Inc.

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.

Services & Prices
Airbnb Booking $100 - $150 per night
Vacation Home Rentals $150 - $300 per night
Event Accommodation $120 - $200 per night
Refinancing Assistance Quoted per loan
View Profile
(209) 808-2936
Open 7:00 AM - 8:00 PM
2222 Pacific Ave, Stockton, CA 95204
General Services
Short-Term Rentals
5

Kristina Hernandez at Homeowners Financial Group USA, LLC

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.

View Profile
(209) 518-8277
Open 00:00 - 23:59
5250 Claremont Ave #105, Stockton, CA 95207
Where they are 10 on the map Click a pin for the profile and directions
6

Esmeralda Velasco - Sr. Mortgage Advisor

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.

Services & Prices
Loan Approval Assistance Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(209) 614-7271
Closed Now
1024 W Robinhood Dr #6, Stockton, CA 95207
General Services
Home Loan Services
7

Coast Home Loans - Stockton

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.

View Profile
(209) 900-2904
Closed Now
3485 Brookside Rd Ste 104, Stockton, CA 95219
8

The Mortgage House

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(209) 474-7111
Closed Now
1151 W Robinhood Dr # C7, Stockton, CA 95207
General Services
Mortgage Services
9

H.O.M.E. Lending

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.

Services & Prices
First-Time Home Buyer Loans Quoted per loan
Bank Statement Loans Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(209) 477-0262
Closed Now
1919 Grand Canal Blvd A6, Stockton, CA 95207
General Services
Home Loan Services
10

Central Valley Mortgage Group - Alicia Amador

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.

View Profile
(209) 440-7710
Closed Now
5713 N Pershing Ave Ste D2, Stockton, CA 95207

Stockton Mortgage Statistics

Home-purchase lending in San Joaquin County and home costs in Stockton, CA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
7,321▼ 4%7,602 in 2024
Denial rate
11%CA 12%
Median home value
$440,900CA $734,700
Monthly cost with a mortgage
$2,217median · CA $2,946
Refinance loans made (San Joaquin County, 2025)
4,134 · 3,104 in 2024
Home-improvement loans made (2025)
911
Average home-purchase loan
$491,000 (CA $711,000)
Owners with a mortgage
69% · 36% of them spend 30%+ of income on housing
Median household income
$79,907 (CA $99,122)

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.

Stockton Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Stockton 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 for Stockton work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes mortgage amount, monthly payment, PMI, and property tax.
How accurate is the mortgage affordability estimate?
It's a general estimate. For an accurate number, get pre-approved by a lender who will verify your income, debts, credit, and down payment.
What is the debt-to-income ratio for California mortgages?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%, following FHA standards.
What is the minimum down payment for a mortgage in Stockton?
For first-time buyers, it's 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage payment?
If your down payment is under 20%, PMI adds about 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts at a 7.40% rate, but rates change weekly.
How do my debts affect my mortgage qualification?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of your gross monthly income.
What are property tax rates in California?
Property tax is about 0.69% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of your financials, offering a more accurate borrowing limit. Pre-qualification is a preliminary estimate without verification.

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