We don’t quote rates. We have conversations, create plans and close loans.
Exclusive loan solutions
for those who demand the best
Exclusive loan solutions for those who demand the best
We don’t quote rates. We have conversations, create plans and close loans.
Your hometown mortgage experts!
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.
Get started by using one of our FREE tools!
Blueleaf Capital
NMLS #322187
Blueleaf Capital is a boutique residential and commercial loan broker operating in California only. We’re a highly experienced group focused on providing solutions and roadmaps for our clients. For decades we’ve operated on a referral only basis and, only now, have we decided to create a public facing website. We’re not for everyone but, for those that trust us with their business, we’re the only one for them. Experienced. Discreet. Knowledgeable. Transparent.
Why work with us?
We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.
The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.
Curious about how much you can afford? Try using our Affordability Calculator to see what makes sense for you…!
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Estimated home price you can afford
$
Affordable
Manageable
Stretching
Monthly Payment
$
Loan Balance & Interest
$
Property Taxes
$
Homeowners Insurance
$
Private Mortgage Insurance
$
HOA Dues
$
You can afford a $ home
Monthly Payment
$
Loan Balance & Interest
$
Property Taxes
$
Homeowners Insurance
$
Private Mortgage Insurance
$
HOA Dues
$
Remaining Monthly Budget
$
This estimates what you'll have left for living expenses after paying your mortgage and debts. We assume you'll pay 25% of your income in taxes.
Monthly Income (after taxes)
$
Monthly Mortgage Payment
- $
Monthly Debt & Expenses
- $
DTIDebt-To-Income Ratio
%
The Debt-To-Income ratio helps you understand if you have enough income to live comfortably for the selected home price. A general guide is to budget around 28% of your pre-tax income for your mortgage payment, and another 8% for other debts.
Affordable 20%-36%
Manageable 37%-43%
Stretching 44%-55%
Recommended Savings
$
This is the recommended amount to save for your down payment, closing costs, and cash reserves. Cash reserves are equal to 3 months of your mortgage payment. We asume you'll pay 2.9% of the home price in closing costs.
Down Payment
$
Closing Costs
$
Cash Reserve
$
Affordability Calculation
This breakdown shows the key factors affecting your home affordability calculation.
Annual income
$
Down payment
$
Monthly debts
$
Debt-to-income
%
Interest rate
%
Loan term
Taxes & insurance included?
Property tax
%
Homeowner's insurance
% /yr
Mortgage insurance
$/mo
HOA dues
$/mo
Payment Breakdown
Amortization
Principal vs. Interest
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan.
Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
- Principal payments: $ (the amount borrowed)
- Interest payments: $ (the cost of borrowing)
Check out our other mortgage calculators
Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.
