How much house can you afford in Washington? 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 |
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Chanin Wisler, Mortgage Lender NMLS #206900
5.0 · 133 reviews · Free pre-approval
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Joel Bailey | Guild Mortgage
5.0 · 78 reviews · Free pre-approval
Get pre-approved →
Albana Collaku, Mortgage Loan Officer with UNFCU
5.0 · 68 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 →
Licensed across 12 states, this mortgage lender focuses on simplifying the home buying and refinancing process with personalized, one-on-one support. The team helps clients navigate loan options, secure fast approvals, and manage everything from pre-approval to closing. Customers appreciate their clear communication and responsiveness throughout the transaction.
Known for handling complex mortgage programs efficiently, Joel Bailey | Guild Mortgage offers clear communication and organized support throughout the loan process. The team specializes in helping buyers close quickly, often under 30 days, and stays responsive even during busy times. Customers appreciate their expertise and consistent availability.
Specializing in mortgage lending for an international membership, this credit union offers mortgage services across all 50 states with a focus on clear communication and quick turnaround times. Customers appreciate the team’s responsiveness, transparency, and ability to navigate complex financing needs smoothly, making the process straightforward and flexible.
Known for guiding clients through complex or time-sensitive home loans, First Washington Mortgage LLC offers mortgage brokerage services that include helping first-time buyers and handling unique transactions. Customers appreciate the team’s knowledge and responsiveness, though some note communication can be uneven during the process.
Atlantic Coast Mortgage offers responsive service with quick email replies and weekend availability, helping clients navigate the loan process efficiently. The team assists with securing competitive mortgage rates and supports buyers through each step, though some customers have noted occasional unprofessional interactions.
Specializing in first-time homebuyer loans, Alex Waters - First Home Mortgage offers clear guidance and digital tools to simplify the mortgage process. The team is known for being responsive and knowledgeable, helping clients navigate paperwork and decisions with ease, though some loan assumption cases handled by a remote team have experienced slower communication.
The Mortgage Option, Inc specializes in guiding clients through home loans and refinancing with clear communication and transparency. Their team assists with securing mortgages and offers advice on credit issues, making the process straightforward. Customers appreciate their responsiveness and support throughout each step.
Known for helping clients navigate home financing with clear guidance, Patti O’Connor - Guaranteed Rate Mortgages offers mortgage lending services focused on a range of property types. The team is praised for competitive rates and creative solutions, though some clients have experienced delays in communication during the loan process.
First Savings Mortgage Corporation, established in 1989, is the largest privately owned residential mortgage lender in the Washington metropolitan area. They provide a range of mortgage services including home purchase financing, refinancing, and specialized loans, with helpful tools and resources to guide clients. Customers appreciate the team’s clear communication and ability to navigate… more...
First Savings Mortgage Corporation, established in 1989, is the largest privately owned residential mortgage lender in the Washington metropolitan area. They provide a range of mortgage services including home purchase financing, refinancing, and specialized loans, with helpful tools and resources to guide clients. Customers appreciate the team’s clear communication and ability to navigate complex transactions efficiently.
With over 25 years of mortgage banking experience, First Savings Mortgage specializes in helping clients purchase, refinance, invest in, or renovate properties. Their team offers a variety of loan options, including construction and bridge loans, supported by in-house pricing and dedicated processing to speed up closings. Customers appreciate their clear communication and responsiveness, though… more...
With over 25 years of mortgage banking experience, First Savings Mortgage specializes in helping clients purchase, refinance, invest in, or renovate properties. Their team offers a variety of loan options, including construction and bridge loans, supported by in-house pricing and dedicated processing to speed up closings. Customers appreciate their clear communication and responsiveness, though some note the team’s focus on efficiency means the process moves quickly.
Lenders made 5,459 home-purchase loans in Washington, DC in 2025 (average about $719,000) and denied 602 — 10% of decided applications, compared with 10% across District Of Columbia, according to federal mortgage data (HMDA, CFPB). In Washington, the median home is worth $737,100 and 76% of owners have a mortgage, paying a median $3,128 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Washington, DC (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 | Chanin Wisler, Mortgage Lender NMLS #206900 | 5.0 | 133 | Quoted per loan | (301) 526-0020 | Visit |
| 2 | Joel Bailey | Guild Mortgage | 5.0 | 78 | — | (202) 856-7653 | Visit |
| 3 | Albana Collaku, Mortgage Loan Officer with UNFCU | 5.0 | 68 | Quoted per loan | (703) 615-7917 | Visit |
| 4 | First Washington Mortgage LLC | 4.6 | 53 | Quoted per loan | (202) 625-1491 | Visit |
| 5 | Atlantic Coast Mortgage - D.C. | 4.9 | 40 | — | (202) 803-6433 | Visit |
| 6 | Alex Waters - First Home Mortgage | 4.9 | 40 | Quoted per loan | (202) 916-8854 | — |
| 7 | The Mortgage Option, Inc | 5.0 | 25 | — | (202) 558-0988 | Visit |
| 8 | Patti O'Connor - Guaranteed Rate Mortgages - Best Washington DC Mortgage Lender | 4.8 | 16 | Quoted per loan | (301) 922-7734 | Visit |
| 9 | Lauren Hughes with First Savings Mortgage Corporation (NMLS #815241) | 5.0 | 12 | — | (202) 893-9871 | Visit |
| 10 | Chris Cox - First Savings Mortgage | 5.0 | 3 | — | (202) 543-6830 | 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.