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What would the payment actually be?
Most calculators show you principal and interest and stop there. In this region the parts they leave out, property tax, insurance, HOA and Mello-Roos, are often what decides whether a house is affordable.
What this is, and what it is not. This is an estimate you control, not a loan offer, not a pre-qualification, and not a quote. Antonio Rubio is a licensed real estate salesperson, not a lender or a mortgage broker. Only a licensed lender can tell you what you qualify for and at what rate. Property tax rates, insurance premiums, HOA dues and Mello-Roos assessments vary by parcel and must be verified for the specific address before you rely on any number here.
Want the real numbers for a specific house?
Send Antonio the address. He will pull the actual tax rate, any HOA or Mello-Roos on that parcel, and connect you with a lender who can quote you properly.