How much house can you afford in Victorville? 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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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 |
|---|
PRMG
5.0 · 114 reviews · Free pre-approval
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Gem Mortgage
4.9 · 103 reviews · Free pre-approval
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VICTORY HOME MORTGAGE, INC.
5.0 · 100 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 →
PRMG focuses on clear communication and responsiveness throughout the mortgage process. The team offers mortgage brokerage services and is known for guiding clients smoothly from start to finish. Customers appreciate how questions are thoroughly answered, making the experience straightforward and reassuring.
With nearly 40 years of experience, GEM Mortgage specializes in personalized home loan solutions using innovative technology to simplify the process. They assist with home purchases, refinancing, and cash-out options, guiding clients step-by-step. Customers appreciate the knowledgeable team and the support they provide throughout each transaction.
Known for a fast average loan approval time of just 10 days, Victory Home Mortgage, INC. specializes in a variety of mortgage products including FHA, VA, Conventional loans, and Down Payment Assistance programs. The team serves Southern California with a focus on personalized service, helping clients navigate home purchases and refinancing with clear communication and responsiveness.
Sam Malek Sr. Home Loan Consultant is known for guiding clients through home loan and refinancing processes with clear communication and responsiveness. The team helps secure favorable loan terms and stays engaged even after closing, providing ongoing support. Customers appreciate the thorough explanations and attention to detail throughout each step.
Known for guiding clients through every step of the mortgage process, SYNC Mortgage Group offers personalized support for homebuyers seeking clear communication and reliable assistance. The team handles loan options and approvals with a focus on responsiveness, though some clients note the process can require patience.
Known for guiding clients smoothly through home loans, Lendco Companies Inc specializes in helping buyers and sellers in California navigate financing with clear communication and timely updates. Their team assists with selling homes, buying houses, and loan applications, earning appreciation for responsiveness and thorough explanations throughout the process.
Known for clear communication and accessible service, Acrisure Mortgage, LLC helps clients navigate home financing with patience and straightforward guidance. The team assists with various mortgage needs, consistently supporting customers through challenges. While the process can involve hurdles, clients appreciate the team’s encouragement and transparency throughout.
Known for offering up to $10,000 in down payment assistance, Mojave River Mortgage provides a broad range of loan options including FHA, VA, USDA, Jumbo, and Reverse Mortgages. Clients appreciate the team’s clear communication and fast approvals, though some find the process detailed, reflecting the thorough guidance provided throughout.
Inland Empire Equity Lending & Real Estate focuses on combining real estate expertise with lending solutions to assist clients in navigating property transactions. The team offers mortgage brokerage and real estate services, with customers appreciating their knowledgeable and professional approach. Some clients note a strong emphasis on personalized support throughout the process.
Known for its by-appointment-only Home Loan Center, Flagstar Bank in Victorville offers personalized mortgage consultations alongside a full range of banking services. The team assists with home loans, refinancing, and financial planning, and customers appreciate their friendly, patient support throughout the application process. Some note that appointments are required for loan consultations.
Lenders made 17,195 home-purchase loans in San Bernardino County in 2025 (average about $469,000) and denied 2,548 — 13% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Victorville, the median home is worth $385,600 and 73% of owners have a mortgage, paying a median $1,991 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in San Bernardino 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 | PRMG | 5.0 | 114 | — | (760) 963-6257 | Visit |
| 2 | Gem Mortgage | 4.9 | 103 | — | (760) 241-2747 | Visit |
| 3 | VICTORY HOME MORTGAGE, INC. | 5.0 | 100 | Quoted per loan | (760) 205-5762 | Visit |
| 4 | Sam Malek Sr. Home Loan Consultant | 5.0 | 83 | $500 | (760) 927-9197 | — |
| 5 | Julian Garcia - Mortgage Broker - SYNC Mortgage Group - | 5.0 | 68 | — | (803) 439-3313 | Visit |
| 6 | Lendco Companies Inc Sell My Home, Buy a House, Apply for a Home Loan, in California. | 5.0 | 36 | Quoted per loan | (909) 374-6250 | Visit |
| 7 | Acrisure Mortgage, LLC | 5.0 | 30 | Quoted per loan | (866) 766-8885 | Visit |
| 8 | Mojave River Mortgage | 5.0 | 9 | Quoted per loan | (760) 713-6137 | Visit |
| 9 | INLAND EMPIRE EQUITY LENDING & REAL ESTATE | 5.0 | 4 | — | (760) 972-0800 | Visit |
| 10 | Flagstar Bank Home Loan Center | 5.0 | 3 | — | (760) 686-4962 | 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.