How much house can you afford in Torrance? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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.
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| After | Paid in total | Still owed |
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Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc.
5.0 · 156 reviews · Free pre-approval
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Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage
5.0 · 71 reviews · Free pre-approval
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Cal Fed Mortgage
5.0 · 68 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 →
Specializing in a broad range of mortgage options, including loans for self-employed individuals and investors, this team focuses on educating clients to help them secure favorable rates. They handle everything from conventional and government-backed loans to refinancing and alternative financing, with a reputation for responsiveness and clear communication throughout the process.
Anouheh Moghaddam Group (AMG) specializes in guiding homebuyers through the mortgage process with clear communication and personalized support. Powered by Movement Mortgage, they offer tailored loan options, helpful online calculators, and efficient handling of paperwork. Clients appreciate the team’s responsiveness and thoroughness, though some note the process requires careful attention to each… more...
Anouheh Moghaddam Group (AMG) specializes in guiding homebuyers through the mortgage process with clear communication and personalized support. Powered by Movement Mortgage, they offer tailored loan options, helpful online calculators, and efficient handling of paperwork. Clients appreciate the team’s responsiveness and thoroughness, though some note the process requires careful attention to each step.
Cal Fed Mortgage specializes in guiding clients through a variety of home loan options, including conventional, FHA, VA, and renovation mortgages. The team is known for clear communication, quick closings, and personalized support, helping borrowers navigate complex financial situations with patience and responsiveness. Some customers note occasional delays in document requests but appreciate the… more...
Cal Fed Mortgage specializes in guiding clients through a variety of home loan options, including conventional, FHA, VA, and renovation mortgages. The team is known for clear communication, quick closings, and personalized support, helping borrowers navigate complex financial situations with patience and responsiveness. Some customers note occasional delays in document requests but appreciate the overall smooth process.
Finance West Lending Inc specializes in Non-QM loans, offering tailored mortgage options for borrowers with unique financial situations. Their services include a broad range of loan programs such as VA, FHA, Jumbo, and investor loans, along with tools to help clients plan finances. Customers appreciate the team’s expertise and personalized guidance, though some note occasional communication… more...
Finance West Lending Inc specializes in Non-QM loans, offering tailored mortgage options for borrowers with unique financial situations. Their services include a broad range of loan programs such as VA, FHA, Jumbo, and investor loans, along with tools to help clients plan finances. Customers appreciate the team’s expertise and personalized guidance, though some note occasional communication inconsistencies.
Known for clear communication and honest guidance, Fernando Diaz specializes in helping clients navigate complex mortgage situations with patience and thoroughness. The team handles everything from loan approvals to market updates, earning praise for reliability and straightforward service, though some may find the process detailed and careful rather than fast-paced.
Specializing in Veterans Affairs (VA) loans and refinancing, Athena Paquette offers personalized mortgage advice backed by years of experience. The team guides clients through various loan options with clear communication and reliable support, though some may find the process detailed. Many appreciate the accessibility and practical guidance provided throughout.
UNITED ONE MORTGAGE is known for clear guidance and responsive support throughout the loan process. The team offers mortgage services that aim to make financing straightforward and less stressful. Customers appreciate their availability and communication, though some note the process can still require patience.
Henry Munoz offers expertise in both real estate brokerage and mortgage loans, handling complex situations like probate, trusts, and divorce buyouts. The team assists with residential and commercial transactions, guiding clients patiently through each step. Customers appreciate clear communication and thorough attention to detail throughout the process.
American California Financial Services has been providing mortgage solutions since 1981, offering a wide range of loan programs including conventional, FHA, VA, and specialized products like reverse mortgages. Their experienced team guides clients through every step, with many appreciating their patience and clear communication during the homebuying process.
With over four decades of experience, American California Financial Services specializes in a wide range of mortgage programs, including conventional, FHA, VA, HELOCs, and reverse mortgages. Their loan officers are known for guiding clients through complex processes with personalized support, though some customers have noted occasional communication challenges.
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 Torrance, the median home is worth $1,074,700 and 64% of owners have a mortgage, paying a median $3,656 a month (Census ACS 2020–2024).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc. | 5.0 | 156 | — | (310) 803-2512 | Visit |
| 2 | Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage | 5.0 | 71 | Quoted per loan | (310) 208-1988 | Visit |
| 3 | Cal Fed Mortgage | 5.0 | 68 | Quoted per loan | (310) 378-2858 | Visit |
| 4 | Finance West Lending Inc | 5.0 | 46 | — | (310) 373-2000 | Visit |
| 5 | Fernando Diaz | 5.0 | 46 | — | (310) 784-8082 | Visit |
| 6 | Athena Paquette, Mortgage Advisor | 5.0 | 34 | Quoted per loan | (310) 218-6855 | Visit |
| 7 | Harman Sudwal - Mortgage Director @ UNITED ONE MORTGAGE, TORRANCE | 5.0 | 31 | — | (310) 270-8394 | Visit |
| 8 | Henry Munoz - Real Estate Broker and Mortgage Loans | 5.0 | 16 | Quoted per loan | (213) 460-1002 | Visit |
| 9 | American California Financial Inc.: Andre Hemmersbach | 5.0 | 11 | Quoted per loan | (310) 713-3100 | Visit |
| 10 | American California Financial Services, Inc. | 4.0 | 4 | — | (310) 540-1330 | 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.