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Review Keywords Analysis

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

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.

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 Visalia

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

1

Vero Mortgage / Engle Team

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.

Services & Prices
Home Loan Quoted per loan
VA Loan Access Quoted per loan
Refinancing Quoted per loan
View Profile
(559) 734-5000
Closed Now
700 W Center Ave, Visalia, CA 93291
General Services
Mortgage Services
2

Mason-McDuffie Mortgage Corporation

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.

View Profile
(559) 741-0991
Closed Now
2920 W Main St, Visalia, CA 93291
3

Change Home Mortgage

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.

View Profile
(559) 272-8100
Closed Now
3010 W Main St A, Visalia, CA 93291
4

Brendan Farrell - Benchmark Mortgage

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.

Services & Prices
Pre-approval Process Quoted per loan
Market Analysis and Reporting Quoted per loan
View Profile
(559) 725-1230
Closed Now
119 E Main St, Visalia, CA 93291
General Services
Home Loan Services
5

Synergy One Lending, Inc.

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.

View Profile
(562) 256-5148
Closed Now
303 E Caldwell Ave, Visalia, CA 93277
Where they are 10 on the map Click a pin for the profile and directions
6

First Capital Group

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.

Services & Prices
First Home Purchase Guidance $500 - $1000
Second Home Purchase Support $400 - $800
General Home Buying Consultation $200 - $400
Pre-Approval Process $300 - $500
View Profile
(559) 697-5322
Closed Now
525 N Hall St Ste A, Visalia, CA 93291
General Services
Home Buying Assistance
7

CORE Home Loans

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.

View Profile
(559) 808-2673
Closed Now
1710 W Walnut Ave, Visalia, CA 93277
8

Candice Garrett- Benchmark Mortgage

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.

View Profile
(559) 799-8548
Open 00:00 - 23:59
119 E Main St, Visalia, CA 93291
9

Gino V. Angulo - Benchmark Mortgage

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.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
View Profile
(559) 248-1669
Closed Now
119 E Main St, Visalia, CA 93291
General Services
Home Loan Services
10

Laura Dimmer - First Capital Group

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.

Services & Prices
Home Loan Consultation $50 - $100
Loan Application Assistance $100 - $200
Loan Finalization Support $75 - $150
Home Buying Consultation $100 - $200
View Profile
(559) 376-7707
Closed Now
525 N Hall St Ste A, Visalia, CA 93291
General Services
Home Loan Services

Visalia Mortgage Statistics

Home-purchase lending in Tulare County and home costs in Visalia, CA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
3,845▲ 16%3,307 in 2024
Denial rate
9%CA 12%
Median home value
$371,500CA $734,700
Monthly cost with a mortgage
$2,016median · CA $2,946
Refinance loans made (Tulare County, 2025)
1,992 · 1,511 in 2024
Home-improvement loans made (2025)
366
Average home-purchase loan
$335,000 (CA $711,000)
Owners with a mortgage
72% · 33% of them spend 30%+ of income on housing
Median household income
$81,989 (CA $99,122)

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.

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

How this Visalia 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

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for in Visalia based on income, debts, down payment, and interest rate. It includes PMI and property tax.
How accurate is the mortgage estimate?
The estimate is based on common lender guidelines but actual pre-approval requires lender verification of income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages?
Lenders usually cap housing costs at 31% and total debt payments at 43% of gross monthly income. Some loans may allow higher ratios with strong credit.
What is the minimum down payment for a first-time buyer in California?
First-time buyers can put down as little as 3% on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Visalia?
With less than 20% down, PMI is added, costing about 0.6% of the loan yearly. It can be removed once the loan balance is under 80% of the home's value.
How do interest rates change what I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% as of October 2026 and change weekly.
How do debts affect my mortgage qualification?
More monthly debt payments reduce the amount you can borrow for a mortgage, as lenders consider total debt obligations when assessing affordability.
What is the property tax rate in California?
The average property tax rate for owner-occupied homes in California is approximately 0.69% of the home's value per year.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of financial details, while pre-qualification is an initial estimate without verification. Pre-approval provides a more accurate borrowing limit.

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