How much house can you afford in Montgomery? 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.
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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 |
|---|
Fairway Independent Mortgage Corporation
5.0 · 409 reviews · Free pre-approval
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Guild Mortgage - Jimmy Parsons
5.0 · 264 reviews · Free pre-approval
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John W Mills | Fairway Independent Mortgage Corporation Loan Officer
5.0 · 112 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 →
Fairway Independent Mortgage Corporation focuses on providing personalized mortgage solutions to homebuyers in the River Region. The team offers a range of loan options and works closely with clients throughout the process. Customers appreciate their clear communication and supportive approach, though some note the process can take time.
Guild Mortgage specializes in a wide range of loan options, including conventional, FHA, VA, and jumbo loans, tailored to various homeownership needs. The team is known for being responsive and professional, guiding clients smoothly through the mortgage process with clear communication and reliable support.
Known for guiding clients through a straightforward mortgage process, this team offers clear communication and attentive support from start to finish. They provide a range of loan services with a focus on making each step easy to understand. Customers appreciate the smooth experience and the personable, hometown approach.
Known for guiding clients through a smooth mortgage process with clear communication and responsiveness, this loan officer at Fairway Home Mortgage offers a wide range of loan options including conventional, FHA, VA, and specialized loans. Customers appreciate the supportive approach and timely updates, though the process can sometimes feel detailed due to thorough explanations.
Fairway Independent Mortgage Corporation offers a wide range of loan options, including conventional, FHA, VA, and renovation loans, designed to support various home financing needs. Their team provides clear communication and thorough guidance throughout the mortgage process, helping clients understand paperwork and find loans that fit their unique situations. Customers appreciate their… more...
Fairway Independent Mortgage Corporation offers a wide range of loan options, including conventional, FHA, VA, and renovation loans, designed to support various home financing needs. Their team provides clear communication and thorough guidance throughout the mortgage process, helping clients understand paperwork and find loans that fit their unique situations. Customers appreciate their responsiveness and professional approach, though some note the process can require patience.
CrossCountry Mortgage is known for its wide range of mortgage options and a client-focused approach that helps simplify home financing. The team guides borrowers through conventional, FHA, VA, and jumbo loans with clear communication and steady support. Customers appreciate the professionalism and responsiveness, though some note the process can be complex depending on individual circumstances.
Guild Mortgage - Alex Castanza focuses on clear communication and attentive service throughout the mortgage process. The team offers guidance for first-time homebuyers and experienced clients alike, helping to ease concerns and provide straightforward answers. Customers appreciate their promptness and the effort to find favorable loan options.
Guild Mortgage - Harris Baker Jr specializes in guiding homebuyers and homeowners through a variety of mortgage options, including FHA, VA, USDA, Conventional, Jumbo, and renovation loans. The team is known for clear communication and patient support, helping clients understand each step of the financing process while working efficiently to meet closing timelines.
With 25 years of experience, Assurance Financial focuses on guiding clients through a variety of mortgage options, including purchase, refinance, and specialized loan programs. Customers appreciate the team’s clear communication and personalized support, though some note the process can take time depending on individual circumstances.
With decades of experience since 1960, Guild Mortgage offers a variety of home financing options, including VA, USDA, and renovation loans. The team is known for clear communication and quick responses, helping clients navigate complex processes, though some customers have noted occasional delays in follow-up after closing.
Lenders made 2,534 home-purchase loans in Montgomery County in 2025 (average about $228,000) and denied 530 — 17% of decided applications, compared with 20% across Alabama, according to federal mortgage data (HMDA, CFPB). In Montgomery, the median home is worth $161,900 and 62% of owners have a mortgage, paying a median $1,307 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Montgomery 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 | Fairway Independent Mortgage Corporation | 5.0 | 409 | — | (334) 270-9100 | Visit |
| 2 | Guild Mortgage - Jimmy Parsons | 5.0 | 264 | — | (334) 782-8949 | Visit |
| 3 | John W Mills | Fairway Independent Mortgage Corporation Loan Officer | 5.0 | 112 | Quoted per loan | (334) 270-9100 | Visit |
| 4 | Allison Prillaman | Fairway Home Mortgage Loan Officer | 5.0 | 101 | — | (334) 220-3340 | Visit |
| 5 | Hunter Beasley | Fairway Independent Mortgage Corporation Loan Officer | 5.0 | 79 | — | (334) 467-5775 | Visit |
| 6 | Shelly Nickles at CrossCountry Mortgage | 5.0 | 67 | — | (334) 269-7111 | Visit |
| 7 | Guild Mortgage - Alex Castanza | 5.0 | 46 | — | (334) 590-8944 | Visit |
| 8 | Guild Mortgage - Harris Baker Jr | 5.0 | 41 | — | (334) 549-8332 | Visit |
| 9 | Assurance Financial - Montgomery, AL | 5.0 | 20 | — | (334) 216-7019 | Visit |
| 10 | Guild Mortgage Company | 4.7 | 21 | Quoted per loan | (334) 513-8113 | 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.