How much house can you afford in Mobile? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
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 |
|---|
Embrace Home Loans - Mobile, AL
4.9 · 319 reviews · Free pre-approval
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GMFS Mortgage - Mobile
5.0 · 146 reviews · Free pre-approval
Get pre-approved →
Camille Wilkinson
4.9 · 123 reviews · Free pre-approval
Get pre-approved →
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 →
Embrace Home Loans offers attentive support throughout the mortgage process, with agents who stay available even after closing to assist with any issues. They provide guidance on home loans and are known for their friendly, professional approach. Some customers note occasional delays in communication but appreciate the overall helpfulness.
Known for clear communication and a proactive approach, GMFS Mortgage - Mobile helps clients move smoothly through the mortgage process. The team offers digital document signing to speed up closings, often completing them in about 20 days. Some clients note occasional hiccups, but these are usually caught early and handled efficiently.
Known for guiding first-time homebuyers through complex loan challenges, this mortgage broker offers personalized support that many clients appreciate. Services include conventional, FHA, VA, and USDA loans, with a focus on clear communication and tailored financing options. Some customers note inconsistent guidance during the application process.
First Federal Mortgage specializes in personalized home financing with a focus on simplifying the mortgage process for buyers. They offer a range of loan options including conventional, FHA, VA, and construction loans, supported by a responsive team known for clear communication. Customers appreciate the ongoing support even after closing, though some note the process can take time.
Known for responsive communication and clear explanations throughout the loan process, Hometown Lenders, Inc. assists homebuyers with mortgage applications and loan closings. Customers appreciate their quick follow-up and professionalism, though some have raised concerns about fees and post-closing details. The team works to keep clients informed from start to finish.
American Home Lending USA holds an A+ rating with the Better Business Bureau, reflecting its family-owned approach and transparent service. The team offers a wide range of mortgage options, including conventional, FHA, VA, and specialized community loans. Customers appreciate their clear communication and steady support, especially through complex or stressful financing situations.
Union Home Mortgage specializes in a wide range of loan options, including VA, FHA, and rehab financing, tailored to different homebuyer needs. The team guides clients through the mortgage process with clear communication and responsive support, helping to ease first-time buyer concerns and streamline transactions.
Union Home Mortgage offers a broad range of loan options, including FHA, VA, USDA, and new construction loans, aimed at making home financing accessible and understandable. Customers appreciate the team’s clear communication and patient guidance throughout the process, though some note the experience can feel detailed due to the many available programs.
Mortgage Team 1, Inc. is known for clear communication and a supportive approach throughout the mortgage process. The team offers professional guidance on home loans and handles everything with patience and responsiveness. Customers appreciate their attentiveness and the smooth experience, even when managing long-distance transactions.
Known for guiding first-time homebuyers through the mortgage process with clear communication and personalized support, Mortgage Solutions, Inc. helps clients secure competitive loan rates while keeping them informed at every step. The team is friendly and professional, though some may find their availability limited outside regular hours.
Lenders made 4,254 home-purchase loans in Mobile County in 2025 (average about $250,000) and denied 937 — 18% of decided applications, compared with 20% across Alabama, according to federal mortgage data (HMDA, CFPB). In Mobile, the median home is worth $193,300 and 58% of owners have a mortgage, paying a median $1,409 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Mobile 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 | Embrace Home Loans - Mobile, AL | 4.9 | 319 | — | (251) 706-8001 | Visit |
| 2 | GMFS Mortgage - Mobile | 5.0 | 146 | — | (251) 408-3485 | Visit |
| 3 | Camille Wilkinson | 4.9 | 123 | $50 | (251) 264-3188 | Visit |
| 4 | First Federal Mortgage | 5.0 | 82 | — | (251) 344-5626 | Visit |
| 5 | Hometown Lenders, Inc. | 4.8 | 75 | Quoted per loan | (251) 421-6585 | — |
| 6 | Brandon Hambright - American Home Lending USA | 5.0 | 46 | Quoted per loan | (251) 431-8841 | Visit |
| 7 | Haley Barnes - Union Home Mortgage | 5.0 | 40 | Quoted per loan | (251) 366-7355 | Visit |
| 8 | Union Home Mortgage - Mobile, AL | 5.0 | 38 | — | (251) 332-4565 | Visit |
| 9 | Mortgage Team 1, Inc. | 5.0 | 37 | — | (251) 650-0805 | Visit |
| 10 | Mortgage Solutions, Inc. | 4.7 | 14 | Quoted per loan | (251) 661-7979 | 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.