How much house can you afford in Huntsville? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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FirstBank Mortgage
5.0 · 603 reviews · Free pre-approval
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Supreme Lending
4.7 · 412 reviews · Free pre-approval
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Novus Home Mortgage - Alabama
5.0 · 217 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
FirstBank Mortgage offers a broad range of mortgage options, including specialized programs for first-time buyers and refinancing, supported by a network of local mortgage bankers. Customers appreciate the team’s clear communication, patience, and personalized guidance throughout the home-buying process, though some note the transition to a new name. Their connection to a larger bank adds… more...
FirstBank Mortgage offers a broad range of mortgage options, including specialized programs for first-time buyers and refinancing, supported by a network of local mortgage bankers. Customers appreciate the team’s clear communication, patience, and personalized guidance throughout the home-buying process, though some note the transition to a new name. Their connection to a larger bank adds security and resources.
Known for a smooth and straightforward mortgage process, Supreme Lending offers services including home purchase loans, refinancing, and specialized financing options. Customers appreciate the team’s clear communication and support throughout, though some note the process can still feel complex at times. The agents focus on keeping clients informed and easing typical mortgage stress.
About Novus Home MortgageNovus Home Mortgage is a dedicated mortgage lender committed to guiding homebuyers and homeowners through their financial journeys. With a focus on personalized service and leveraging the expertise and resources of a leading mortgage provider, Novus aims to simplify the home financing process. They offer a comprehensive suite of loan programs designed to meet diverse… more...
About Novus Home MortgageNovus Home Mortgage is a dedicated mortgage lender committed to guiding homebuyers and homeowners through their financial journeys. With a focus on personalized service and leveraging the expertise and resources of a leading mortgage provider, Novus aims to simplify the home financing process. They offer a comprehensive suite of loan programs designed to meet diverse needs, from first-time homebuyers to seasoned investors. Their mission is to provide clear, accessible, and supportive mortgage solutions, ensuring clients feel confident and informed at every stage, from pre-approval to closing and beyond. The company emphasizes building lasting relationships and empowering individuals to achieve their homeownership and financial goals.Credibility and ExpertiseNovus Home Mortgage operates with a strong commitment to transparency and client success, evidenced by their detailed loan program guidance and personalized consultations. They offer a wide array of loan types, including conventional, FHA, VA, USDA, Non-QM, jumbo financing, and down payment assistance programs, ensuring a solution for nearly every borrower profile. Their team of experienced loan officers provides local insight combined with national lender resources. The company highlights its dedication to making the mortgage process straightforward and stress-free, backed by innovative technology and industry-leading knowledge. This approach aims to build trust and provide reliable support throughout the home buying or refinancing journey.Loan Programs OfferedNovus Home Mortgage provides a comprehensive range of mortgage solutions tailored to various needs. This includes home purchase loans, refinancing options to lower interest rates or payments, and personalized consultations to align with financial goals. They offer specialized programs such as financing for mobile and manufactured homes, investment property loans (including DSCR loans), mortgage solutions for self-employed individuals and 1099 earners using bank statements, down payment assistance programs (offering 3% to 5% assistance), and renovation loans (FHA 203(k), HomeStyle®, VA Renovation Loans). They also cater to conventional, FHA, VA, USDA, Non-QM, jumbo, and construction loans, ensuring a wide spectrum of financing options are available to homebuyers and homeowners.Unique AdvantagesNovus Home Mortgage distinguishes itself through its comprehensive approach to home financing, offering specialized programs like manufactured home loans and DSCR loans for investors. They provide flexible options for self-employed borrowers using bank statements and offer significant down payment assistance. The company emphasizes a clear, supportive process called 'The Novus Path,' integrating experienced loan officers with technology to simplify pre-approval, application, and closing. Their commitment extends to community involvement, with active participation in local initiatives and sponsorships.
Assurance Financial - Huntsville focuses on clear communication, making the mortgage process less stressful by thoroughly explaining options and staying accessible for questions. The team offers a range of mortgage services and is appreciated for being helpful and attentive throughout the loan process. Some clients note occasional delays in response times.
Known for treating clients with personalized care and respect, North Alabama Mortgage Inc focuses on guiding homebuyers through the mortgage process with patience and clear communication. The team offers mortgage solutions tailored to individual needs, and customers appreciate their responsiveness and willingness to explain each step thoroughly.
Melissa Butler Mortgage Lender is known for a highly professional team that supports clients through every step of the home loan process. They offer mortgage lending services with a focus on clear communication and efficiency, helping buyers navigate financing smoothly. Customers appreciate their responsiveness and thorough guidance, though some note the fast pace may feel brisk at times.
MidTown Mortgage Company specializes in VA Home Loans and Renovation Lending, offering personalized mortgage solutions nationwide with a community-focused approach. Their agents assist with a variety of loan types, including Conventional, FHA, USDA, and Jumbo loans, often praised for clear communication and support throughout the process. Some clients note occasional paperwork challenges, but the… more...
MidTown Mortgage Company specializes in VA Home Loans and Renovation Lending, offering personalized mortgage solutions nationwide with a community-focused approach. Their agents assist with a variety of loan types, including Conventional, FHA, USDA, and Jumbo loans, often praised for clear communication and support throughout the process. Some clients note occasional paperwork challenges, but the team’s guidance helps keep things moving smoothly.
Specializing in a wide range of mortgage options, Tyler Wilson & The Clear To Close Team helps clients navigate home buying, refinancing, and investment financing with clear communication and expert guidance. Customers appreciate their straightforward approach and smooth process, often noting the team’s honesty and helpfulness throughout.
Known for providing a personalized, small-town feel, Tim Byrne Mortgage Lender offers mortgage lending services with a focus on clear communication and availability, including evenings and weekends. The team helps clients navigate home purchases smoothly, often maintaining mortgage management long-term. Customers appreciate the transparent process and attentive support throughout.
Lawhorn & Associates Mortgage Company specializes in VA One-time-close construction loans and refinancing options, offering personalized guidance throughout the mortgage process. The team stays in close contact with clients, helping navigate paperwork and addressing issues promptly. Some customers note occasional delays due to document gathering on their end.
Lenders made 6,816 home-purchase loans in Madison County in 2025 (average about $320,000) and denied 855 — 11% of decided applications, compared with 20% across Alabama, according to federal mortgage data (HMDA, CFPB). In Huntsville, the median home is worth $293,600 and 60% of owners have a mortgage, paying a median $1,573 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Madison County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | FirstBank Mortgage | 5.0 | 603 | — | (800) 200-6462 | Visit |
| 2 | Supreme Lending | 4.7 | 412 | — | (888) 425-0105 | Visit |
| 3 | Novus Home Mortgage - Alabama | 5.0 | 217 | — | (256) 585-5984 | Visit |
| 4 | Assurance Financial - Huntsville | 5.0 | 211 | — | (256) 325-8944 | Visit |
| 5 | North Alabama Mortgage Inc | 5.0 | 195 | — | (256) 651-3393 | Visit |
| 6 | Melissa Butler Mortgage Lender | 5.0 | 145 | — | (256) 679-3638 | Visit |
| 7 | MidTown Mortgage Company, LLC | 5.0 | 135 | Quoted per loan | (256) 585-2000 | Visit |
| 8 | Tyler Wilson & The Clear To Close Team | 5.0 | 120 | — | (256) 348-2735 | Visit |
| 9 | Tim Byrne Mortgage Lender | 5.0 | 111 | Quoted per loan | (256) 542-1517 | Visit |
| 10 | Lawhorn & Associates Mortgage Company | 4.9 | 72 | Quoted per loan | (256) 539-0555 | Visit |
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.
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.
General information, not financial advice — consult a qualified professional.