How much house can you afford in Visalia? 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 |
|---|
Vero Mortgage / Engle Team
5.0 · 222 reviews · Free pre-approval
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Mason-McDuffie Mortgage Corporation
5.0 · 168 reviews · Free pre-approval
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Change Home Mortgage
5.0 · 165 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 FHA and VA loans, Vero Mortgage / Engle Team brings over 20 years of experience helping families and investors in California’s Central Coast and Central Valley. The team offers personalized mortgage solutions and attentive communication, with clients appreciating their responsiveness and ongoing support throughout the loan process.
Mason-McDuffie Mortgage Corporation specializes in guiding buyers through the mortgage pre-approval and lending process with clear communication and support. The team offers personalized mortgage solutions and is known for helping clients feel confident at each step. Some clients note the process can require patience but appreciate the thorough assistance.
Certified as a Community Development Financial Institution, Change Home Mortgage focuses on lending solutions for both traditional and non-traditional borrowers, including freelancers and real estate investors. They offer a range of loan programs nationwide, with clear communication and resources to guide clients through the process. Some customers note the experience can vary depending on the… more...
Certified as a Community Development Financial Institution, Change Home Mortgage focuses on lending solutions for both traditional and non-traditional borrowers, including freelancers and real estate investors. They offer a range of loan programs nationwide, with clear communication and resources to guide clients through the process. Some customers note the experience can vary depending on the team member.
Known for clear communication and patient guidance, Brendan Farrell - Benchmark Mortgage helps clients navigate the complexities of home loans with confidence. The team offers thorough explanations and attentive support throughout the mortgage process, making it easier for first-time buyers and experienced homeowners alike. Customers appreciate their responsiveness and detailed updates.
Synergy One Lending emphasizes a fast, technology-driven mortgage process designed to simplify homebuying and refinancing. They offer a wide range of loan options, including VA, FHA, Jumbo, and renovation loans, supported by tools like a mobile app and mortgage calculators. Customers appreciate their smooth communication and efficient service, though timely document submission is important to… more...
Synergy One Lending emphasizes a fast, technology-driven mortgage process designed to simplify homebuying and refinancing. They offer a wide range of loan options, including VA, FHA, Jumbo, and renovation loans, supported by tools like a mobile app and mortgage calculators. Customers appreciate their smooth communication and efficient service, though timely document submission is important to keep things moving.
First Capital Group focuses on building lasting client relationships through a personalized, education-based mortgage process. They offer a wide range of loan options, including FHA, VA, Jumbo, and investment property loans, helping first-time buyers and seasoned investors alike. Clients appreciate the team’s knowledge, responsiveness, and clear communication throughout the homebuying or… more...
First Capital Group focuses on building lasting client relationships through a personalized, education-based mortgage process. They offer a wide range of loan options, including FHA, VA, Jumbo, and investment property loans, helping first-time buyers and seasoned investors alike. Clients appreciate the team’s knowledge, responsiveness, and clear communication throughout the homebuying or refinancing journey.
Core Home Loans focuses on personalized mortgage lending, combining tailored loan products with technology to keep clients informed throughout the process. They offer a variety of mortgage options, including FHA, VA, Jumbo, and adjustable-rate loans. Customers appreciate the team’s professionalism and responsiveness, though some note the process can feel detailed at times.
Known for a fast and straightforward pre-approval process, this mortgage team works well with self-employed clients and others seeking clear loan options. They offer guidance on various mortgage products and are appreciated for honest, pressure-free advice and quick responses. Some clients note the process can feel intense but manageable.
Known for responsive communication that extends beyond regular hours, Gino V. Angulo at Benchmark Mortgage offers personalized home financing solutions including purchase and refinance options across FHA, VA, Conventional, Jumbo, and Reverse Mortgages. Clients appreciate the team’s proactive guidance and clear explanations, which help ease the complexities of buying a home.
Known for its focus on fast, clear mortgage solutions, this team helps clients explore financing options with an easy-to-use scenario planning tool. They assist with purchases and refinances, guiding borrowers through application and document submission. Customers appreciate the professional communication and timely support throughout the process.
Lenders made 3,845 home-purchase loans in Tulare County in 2025 (average about $335,000) and denied 365 — 9% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Visalia, the median home is worth $371,500 and 72% of owners have a mortgage, paying a median $2,016 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Tulare 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 | Vero Mortgage / Engle Team | 5.0 | 222 | Quoted per loan | (559) 734-5000 | Visit |
| 2 | Mason-McDuffie Mortgage Corporation | 5.0 | 168 | — | (559) 741-0991 | Visit |
| 3 | Change Home Mortgage | 5.0 | 165 | — | (559) 272-8100 | Visit |
| 4 | Brendan Farrell - Benchmark Mortgage | 4.9 | 133 | Quoted per loan | (559) 725-1230 | Visit |
| 5 | Synergy One Lending, Inc. | 5.0 | 114 | — | (562) 256-5148 | Visit |
| 6 | First Capital Group | 5.0 | 102 | $100 | (559) 697-5322 | Visit |
| 7 | CORE Home Loans | 4.9 | 84 | — | (559) 808-2673 | Visit |
| 8 | Candice Garrett- Benchmark Mortgage | 5.0 | 74 | — | (559) 799-8548 | — |
| 9 | Gino V. Angulo - Benchmark Mortgage | 5.0 | 43 | Quoted per loan | (559) 248-1669 | Visit |
| 10 | Laura Dimmer - First Capital Group | 5.0 | 26 | $50 | (559) 376-7707 | 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.