Turned down by one big bank
A single lender's rigid box says no — and you assume that means no everywhere. It usually just means the wrong fit.
Affordable Home Finance is a licensed California mortgage broker that compares FHA, VA, USDA, conventional and non-traditional programs from multiple funding lenders. Explore available options with guidance from a licensed mortgage professional.
Application hosted securely by our mortgage application technology provider. You will leave affordablehome-finance.com to begin the application.
Now helping homebuyers in your area find the right loan.
Complete our secure online application in as little as 10 minutes. A licensed advisor reviews it and reaches out with the loan options that may be available to you. Available options depend on your completed application and lender review.
Continue To Secure Application →Hosted securely by our mortgage application technology provider — you will leave affordablehome-finance.com.
Secure application · Bank-level encryption
Minimum credit requirements vary by loan program, lender and other qualification factors. A particular credit score does not guarantee eligibility or approval.
Most homebuyers only talk to one lender — and never find out what they were leaving on the table.
A single lender's rigid box says no — and you assume that means no everywhere. It usually just means the wrong fit.
FHA, VA, USDA, conventional, ITIN — nobody explains what actually applies to your situation in plain English.
Rates move daily. Without someone watching the market for you, it's easy to lock in at the wrong moment.
We're a licensed broker, not a single bank — so we compare programs across lenders to find the one that actually fits your situation.
15 and 30-year fixed options for buyers with steady income and solid credit who want predictable payments.
Government-backed financing with a low down payment and flexible credit requirements — a common first-time buyer path.
Zero-down financing for eligible veterans, service members, and military families — with no private mortgage insurance.
No-down-payment financing for eligible rural and suburban properties across California.
Financing options for borrowers without a Social Security number or with non-traditional income documentation.
Lower your rate, shorten your term, or roll high-interest debt into your mortgage — all shopped across lenders.
A short online application: buying or refinancing, your budget, and your timeline. Takes about 10 minutes.
We compare FHA, VA, USDA, conventional, and non-traditional programs across lenders to find your best fit.
Complete your secure application and a licensed advisor guides you every step to the closing table.
Answer 5 quick questions to see where you stand — and what to tackle next before you apply.
Affordable Home Finance is a licensed California mortgage broker. Instead of offering you one bank's products, we compare programs across multiple lenders and walk you through the options in plain English — from application to closing.
There is no charge to submit an initial application or review available program options with Affordable Home Finance. If you choose to proceed with a loan, the transaction may include lender, appraisal, credit report, title, escrow, insurance, government, discount-point and other applicable costs. Broker compensation and all applicable loan costs will be disclosed in the Loan Estimate and other required loan documents.
Start Secure Application →Application hosted securely by our mortgage application technology provider. You will leave affordablehome-finance.com to begin the application.
Enter a hypothetical scenario to estimate principal and interest. Actual loan options, rates, APRs and payments depend on your completed application, property information, market conditions and lender review.
to see a hypothetical principal & interest estimate
Educational estimate only. Enter your own hypothetical loan amount, interest rate and term to estimate principal and interest. This calculator does not display an available loan offer, annual percentage rate, Loan Estimate, preapproval, approval or commitment to lend. Estimated payments exclude property taxes, homeowners insurance, mortgage insurance, HOA dues and other applicable costs. Actual rates, APRs, payments, costs and eligibility depend on your completed application, credit profile, property, loan program, market conditions and lender approval.
We're not a subscription and we don't bill you by the hour. Here's exactly how it works.
There is no charge to submit an initial application or review available program options with Affordable Home Finance.
How Affordable Home Finance is compensated depends on the selected loan and compensation structure. Compensation and applicable costs will be disclosed as required in your loan documents. Affordable Home Finance does not charge a subscription or hourly consultation fee for reviewing initial loan options.
Every fee tied to your specific loan is disclosed in writing before you're ever asked to commit to anything.
💡 Your specific costs and compensation details are disclosed in writing as part of your loan estimate.
Every homebuyer's situation is different. We know which programs fit yours.
Yes — 100% free with no obligation. You complete a short online application and a licensed advisor reviews it to show you the loan programs you may qualify for. You're never charged to shop or compare.
We work across FHA, VA, USDA, conventional fixed-rate (15 & 30-year), ITIN, and other non-traditional loan programs — matching you to the one that fits your income, credit, and down payment situation.
No. FHA loans can start around 3.5% down, and eligible VA or USDA borrowers may qualify for 0% down. We'll walk you through which programs you may qualify for based on your situation.
Often, yes. We offer ITIN and non-traditional income documentation programs specifically for borrowers who don't fit a conventional W-2 profile.
Most borrowers complete the short online application in about 10 minutes. Once submitted, a licensed advisor reviews it and reaches out to walk you through your next steps.
Every day without a plan is a day you don't know which loan programs may be available to you. Start your secure application today and learn which loan programs may be available based on your application and lender requirements.
Start Secure Application →Licensed CA Mortgage Broker · NMLS #1754199 · No obligation to apply
Application hosted securely by our mortgage application technology provider. You will leave affordablehome-finance.com to begin the application.
Licensed California mortgage broker serving homebuyers and homeowners statewide — purchase, refinance, and everything in between.
Get Directions →The application takes about 10 minutes, costs nothing to submit, and doesn't obligate you to anything.
Continue To Secure Application → No obligation. Hosted securely by our mortgage application technology provider — you will leave affordablehome-finance.com.