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Get Pre-Approved →
Loan Calculator & Pre-Approval

Know your number.
Then get pre-approved.

Estimate your monthly payment below, then start your actual pre-approval with Presto. No credit pull. No commitment. Just clarity on your next move.

Estimate Your Payment

Payment Calculator

$650,000
20%
7.0%
30 yrs
$3,464
Estimated monthly principal & interest
Does not include taxes, insurance, HOA, or PMI.
◎

This is an estimate only. Actual rate, payment, and approval depend on your credit, income, property, and market conditions. Get pre-approved for your real number.

Get Your Actual Rate

Start your pre-approval.

The calculator gives you an estimate. Your actual rate depends on your credit, income, loan type, and property. Presto's pre-approval is free, takes no credit pull at the initial stage, and gives you a real number — not a guess.

  • No credit pull at the initial pre-qualification stage
  • Free — no application fee
  • Pre-approval letter issued within 24–48 hours
  • Mariane reviews your file personally
  • All loan types: Conventional, FHA, VA, Jumbo, CalHFA
Start My Pre-Approval →

Or call Presto directly for complex situations.

Do you have a CalHFA voucher?

Dream For All vouchers provide up to $150,000 in down payment assistance. If you received one, your 90-day clock is running. Presto is approved and ready to move immediately.

CalHFA Info →
Loan Programs

Every buyer has the right loan.

Conventional

As low as 3% down. Best for good credit buyers. Drops PMI at 20% equity. Most flexible for NorCal price points.

FHA

3.5% down. More flexible credit requirements (min 580). Strong CalHFA pairing option. MIP for life of loan.

CalHFA / DFA

Up to $150K assistance. First-time buyers at or below 120% AMI. Presto is approved. Pairs with conventional or FHA first.

Jumbo

For Bay Area and Silicon Valley buyers above conforming limits. Portfolio lenders, flexible guidelines, competitive rates.