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

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

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 Victorville

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

1

PRMG

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.

View Profile
(760) 963-6257
Closed Now
12180 Ridgecrest Rd Ste 112, Victorville, CA 92395
2

Gem Mortgage

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.

View Profile
(760) 241-2747
Closed Now
13911 Park Ave #106, Victorville, CA 92392
3

VICTORY HOME MORTGAGE, INC.

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.

Services & Prices
Residential Loan Approval Quoted per loan
Commercial Loan Approval Quoted per loan
Refinancing Services Quoted per loan
View Profile
(760) 205-5762
Open 9:00 AM - 7:00 PM
14335 Hesperia Rd Ste 114 #349, Victorville, CA 92395
General Services
Loan Services
4

Sam Malek Sr. Home Loan Consultant

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.

Services & Prices
Home Listing and Marketing $500 - $1000
Refinancing Services Quoted per loan
Loan Comparison and Advice Quoted per loan
View Profile
(760) 927-9197
Closed Now
12600 Hesperia Rd Ste B, Victorville, CA 92395
General Services
Real Estate
5

Julian Garcia - Mortgage Broker - SYNC Mortgage Group -

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.

View Profile
(803) 439-3313
Closed Now
16055 Molino Dr, Victorville, CA 92395
Where they are 10 on the map Click a pin for the profile and directions
6

Lendco Companies Inc Sell My Home, Buy a House, Apply for a Home Loan, in California.

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.

Services & Prices
Purchase Loans Quoted per loan
Refinancing Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
Application Fee Quoted per loan
View Profile
(909) 374-6250
Open 8:00 AM - 10:00 PM
17100 Bear Valley Rd SUITE B 214, Victorville, CA 92395
General Services
Home Loans
7

Acrisure Mortgage, LLC

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.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(866) 766-8885
Closed Now
12530 Hesperia Rd Ste 113, Victorville, CA 92395
General Services
Mortgage Lending
8

Mojave River Mortgage

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.

Services & Prices
Escrow Closing Quoted per loan
View Profile
(760) 713-6137
Open 8:00 AM - 7:00 PM
9113 Svl Box, Victorville, CA 92395
General Services
Mortgage Services
9

INLAND EMPIRE EQUITY LENDING & REAL ESTATE

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.

View Profile
(760) 972-0800
Closed Now
15382 W Sage St, Victorville, CA 92392
10

Flagstar Bank Home Loan Center

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.

View Profile
(760) 686-4962
Closed Now
12470 Hesperia Rd, Victorville, CA 92395

Victorville Mortgage Statistics

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

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).

Home-purchase loans, 2025
17,195▼ 2%17,574 in 2024
Denial rate
13%CA 12%
Median home value
$385,600CA $734,700
Monthly cost with a mortgage
$1,991median · CA $2,946
Refinance loans made (San Bernardino County, 2025)
12,170 · 9,471 in 2024
Home-improvement loans made (2025)
3,061
Average home-purchase loan
$469,000 (CA $711,000)
Owners with a mortgage
73% · 38% of them spend 30%+ of income on housing
Median household income
$74,410 (CA $99,122)

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.

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

How this Victorville 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

8 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes mortgage, PMI, and property tax.
How much house can I afford on a $100k salary in Victorville?
Lenders typically cap housing costs at 31% of your gross monthly income. Total debt payments shouldn't exceed 43% of income. Check with a lender for specifics.
What is the minimum down payment for a mortgage in California?
First-time buyers need at least 3% down for conventional loans, 3.5% for FHA loans. VA and USDA loans can allow 0% down if eligible.
How do interest rates affect my mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. Rates change weekly; check current rates before calculating.
How does debt impact my mortgage qualification?
Lenders consider your total debt payments, which shouldn't exceed 43% of your gross monthly income. Higher debts reduce the mortgage amount you can qualify for.
What is the property tax rate in California?
The average property tax rate is about 0.69% of the home's value annually for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, giving a more accurate borrowing limit. Pre-qualification is an initial estimate without verification.
Do I need private mortgage insurance (PMI) in Victorville?
If your down payment is under 20% on a conventional loan, PMI is required. It can usually be removed when the loan balance is below 80% of the home's value.

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