How much house can you afford in Sunnyvale? 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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Googain
5.0 · 950 reviews · Free pre-approval
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Katie Kim, Mortgage loan officer
5.0 · 54 reviews · Free pre-approval
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Cipi Jain - 463355 - Wells Fargo Home Mortgage
5.0 · 54 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 →
Googain specializes in guiding clients through complex loan programs like CalHFA with clear, thorough support at every stage. The team offers mortgage loan services marked by prompt communication and careful attention to detail, helping customers navigate tight schedules and make informed decisions. Some find the process fast-paced but appreciate the consistent updates and responsiveness.
Known for clear communication and quick responses, this mortgage loan officer specializes in guiding first-time and repeat homebuyers through the loan process. The team handles loan documentation and rate monitoring with care, helping clients feel informed and supported. Some find the process detailed, but the attentive follow-up eases the experience.
Wells Fargo Home Mortgage specializes in personalized mortgage solutions with a focus on clear communication and responsive service. Their team guides clients through various loan options, including refinancing and home equity lines, aiming to make the process smooth and manageable. Customers appreciate their transparency and ability to close loans quickly, though timelines can vary by case.
Known for fast pre-approvals and transparent, no-hidden-fee service, this mortgage team offers a broad range of loan options including Conventional, FHA, VA, and Jumbo loans. They assist with everything from first-time homebuyer needs to refinancing and debt consolidation, often praised for clear communication and smooth, timely closings.
Specializing in private mortgage banking, this Wells Fargo Home Mortgage team focuses on personalized guidance through home loans and refinancing. They help clients understand loan options and navigate complex processes, often praised for clear communication and attention to detail. While their thorough approach may require patience, many appreciate the support and competitive rates throughout… more...
Specializing in private mortgage banking, this Wells Fargo Home Mortgage team focuses on personalized guidance through home loans and refinancing. They help clients understand loan options and navigate complex processes, often praised for clear communication and attention to detail. While their thorough approach may require patience, many appreciate the support and competitive rates throughout the experience.
Jasmine Lin Real Estate and Mortgage combines real estate expertise with mortgage services, guiding clients through home purchases and financing with thoughtful advice and careful attention to detail. The team supports buyers by reviewing disclosures, negotiating offers, and accommodating busy schedules, making the process smoother and more manageable.
Known for guiding first-time homebuyers through the mortgage process with clear explanations and patient support, this team offers competitive rates and efficient loan closings. Customers appreciate their responsiveness and professionalism, noting smooth experiences even when unexpected challenges arise. Some find the thorough communication especially helpful in understanding complex paperwork.
Max Real - Aksh Pal - Realtor And Loan Officer specializes in guiding clients through smooth, efficient home buying and refinancing experiences. The team offers personalized mortgage and real estate services, with clear communication and attentive support throughout the process. Customers appreciate their professionalism and responsiveness, noting a consistently stress-free experience.
Wells Fargo Home Mortgage specializes in personalized mortgage solutions for homebuyers and those looking to refinance, backed by a team with extensive experience in complex financial situations. Their services include purchase loans, refinancing options, and tools like rate checking and pre-approval to help clients make informed decisions. Customers appreciate the team’s responsiveness and clear… more...
Wells Fargo Home Mortgage specializes in personalized mortgage solutions for homebuyers and those looking to refinance, backed by a team with extensive experience in complex financial situations. Their services include purchase loans, refinancing options, and tools like rate checking and pre-approval to help clients make informed decisions. Customers appreciate the team’s responsiveness and clear communication throughout the loan process.
Wells Fargo Home Mortgage specializes in handling complex and jumbo loan cases, offering tailored mortgage solutions including first-time homebuyer programs and refinancing options. The team is known for clear communication and efficient processing, helping clients navigate paperwork smoothly and often closing loans faster than expected.
Lenders made 10,713 home-purchase loans in Santa Clara County in 2025 (average about $1,307,000) and denied 1,143 — 10% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Sunnyvale, the median home is worth $1,801,800 and 62% of owners have a mortgage, paying a median $4,001 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Santa Clara 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 | Googain | 5.0 | 950 | $100 | (408) 212-8800 | Visit |
| 2 | Katie Kim, Mortgage loan officer | 5.0 | 54 | Quoted per loan | — | — |
| 3 | Cipi Jain - 463355 - Wells Fargo Home Mortgage | 5.0 | 54 | Quoted per loan | (510) 917-0144 | Visit |
| 4 | Hong Hu, Senior Loan Consultant & Associate Broker | 5.0 | 52 | — | (408) 781-5509 | Visit |
| 5 | Nathalie B Vuong - 459844 - Wells Fargo Home Mortgage | 5.0 | 41 | Quoted per loan | (408) 426-1007 | Visit |
| 6 | Jasmine Lin Real Estate and Mortgage | 5.0 | 35 | Quoted per loan | (408) 599-1279 | — |
| 7 | Lillian Luo, Mortgage Consultant | 4.9 | 15 | Quoted per loan | (408) 899-9777 | Visit |
| 8 | Max Real - Aksh Pal - Realtor And Loan Officer | 5.0 | 11 | Quoted per loan | (408) 509-7276 | Visit |
| 9 | Steve Chen - 714948 - Wells Fargo Home Mortgage | 5.0 | 3 | — | (408) 805-1888 | Visit |
| 10 | Sarah Sun - 1633551 - Wells Fargo Home Mortgage | 5.0 | 3 | — | (408) 332-6066 | 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.