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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Hialeah
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Hialeah, FL

How much house can you afford in Hialeah? 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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Hialeah

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

OneMain Financial

OneMain Financial focuses on providing personal loans with clear terms and straightforward service. The team offers assistance with financing needs and is noted for being fast and efficient. Customers appreciate the helpful support, though detailed mortgage services are not highlighted.

View Profile
(305) 820-0270
Open 9:00 AM - 5:30 PM
1116 W 49th St, Hialeah, FL 33012
2

Coast2Coast Lending Group

Coast2Coast Lending Group focuses on guiding clients through home purchases and refinancing with clear communication and attentive support. The team offers mortgage lending services and is praised for making complex processes smooth and well-organized. Some clients note the experience can be detailed, but the professionalism helps ease the process.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(786) 942-7813
Open 00:00 - 23:59
7445 W 4th Ave #113, Hialeah, FL 33014
General Services
Home Loan Services
3

Ensource Financial-Mortgage Broker- Hialeah

Ensource Financial specializes in helping clients secure competitive mortgage loans for homes and investment properties, offering bilingual support in English and Spanish. The team provides clear communication and guidance throughout the process, with customers appreciating their responsiveness and personalized care. Some clients note the experience can be very hands-on, which suits those seeking… more...

Ensource Financial specializes in helping clients secure competitive mortgage loans for homes and investment properties, offering bilingual support in English and Spanish. The team provides clear communication and guidance throughout the process, with customers appreciating their responsiveness and personalized care. Some clients note the experience can be very hands-on, which suits those seeking close support.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(305) 785-4442
Open 9:00 AM - 6:00 PM
3130 E 7th Ave, Hialeah, FL 33013
General Services
Mortgage Services
4

Columbus Capital Lending - Hialeah

About Columbus Capital LendingColumbus Capital Lending is a mortgage lending company dedicated to providing a personalized and expert home financing experience. With over 30 years of combined team experience, they focus on offering boutique-style service that goes beyond standard solutions. Their mission is to guide clients home with care and clarity, understanding individual needs to offer… more...

About Columbus Capital LendingColumbus Capital Lending is a mortgage lending company dedicated to providing a personalized and expert home financing experience. With over 30 years of combined team experience, they focus on offering boutique-style service that goes beyond standard solutions. Their mission is to guide clients home with care and clarity, understanding individual needs to offer creative financing options. They aim to make the mortgage process smooth, transparent, and empowering for all clients, whether they are first-time buyers, looking to upgrade, or refinancing.Why Choose Columbus Capital LendingColumbus Capital Lending emphasizes trust and expertise in their services. While specific certifications or awards are not detailed, their longevity and client testimonials highlight a commitment to reliability and customer satisfaction. They pride themselves on transparency and responsiveness throughout the mortgage process, ensuring clients feel informed and secure. Their approach is built on understanding unique client situations and providing tailored solutions, fostering confidence in their ability to navigate complex financial landscapes.Columbus Capital Lending OffersColumbus Capital Lending offers a comprehensive suite of mortgage products designed to meet diverse borrower needs. This includes FHA loans for those with lower credit scores or limited down payments, VA loans for veterans, and USDA loans for rural homebuyers. They also provide Conventional loans, Home Renovation loans to finance both purchase and improvements, Non-QM loans for non-traditional income situations, Adjustable-Rate Mortgages (ARMs), and Jumbo loans for higher-value properties. Their services cover primary residences, second homes, and investment properties, with a focus on competitive rates and flexible terms.Unique AdvantagesColumbus Capital Lending distinguishes itself through its boutique-style service and over 30 years of combined team experience. They specialize in offering creative, out-of-the-box financing options tailored to individual client needs. The company emphasizes a smooth, transparent, and empowering mortgage process, ensuring clients feel supported at every step. Their commitment to understanding unique financial situations and providing personalized solutions sets them apart from larger, less individualized lenders.

View Profile
(786) 360-6949
Open 8:30 AM - 5:30 PM
1275 W 47th Pl #101, Hialeah, FL 33012
Where they are 4 on the map Click a pin for the profile and directions

Hialeah Mortgage Statistics

Home-purchase lending in Miami-Dade County and home costs in Hialeah, FL (latest HMDA and Census data)

Lenders made 17,929 home-purchase loans in Miami-Dade County in 2025 (average about $673,000) and denied 5,025 — 22% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Hialeah, the median home is worth $392,000 and 53% of owners have a mortgage, paying a median $2,073 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
17,929▼ 8%19,558 in 2024
Denial rate
22%FL 17%
Median home value
$392,000FL $359,000
Monthly cost with a mortgage
$2,073median · FL $1,959
Refinance loans made (Miami-Dade County, 2025)
10,481 · 8,497 in 2024
Home-improvement loans made (2025)
2,821
Average home-purchase loan
$673,000 (FL $416,000)
Owners with a mortgage
53% · 52% of them spend 30%+ of income on housing
Median household income
$55,594 (FL $74,568)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Miami-Dade County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

How this Hialeah mortgage affordability calculator works

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.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

10 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and buyer status.
What is the debt-to-income ratio for mortgages in Florida?
Lenders typically cap housing costs at 31% of gross monthly income and total debts at 43%.
How much is the minimum down payment for a house in Hialeah?
For first-time buyers, it's 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Florida?
If your down payment is under 20%, PMI adds about 0.6% of the loan annually. It can usually be removed when the balance is below 80% of the home's value.
How do interest rates impact what I can afford?
Higher interest rates increase monthly payments, reducing the maximum home price you can afford. Rates change weekly.
How do my debts affect my mortgage affordability?
Higher monthly debt payments reduce the amount you can borrow, as lenders consider total debt-to-income ratios.
What are the property taxes like in Hialeah, Florida?
Property tax is about 0.76% of the home's value annually, based on the 2024 Florida average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, credit, and down payment, while pre-qualification is a preliminary estimate.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage loans, comparing options from various lenders to suit your needs.
Can I use the calculator without affecting my credit score?
Yes, the calculator is free and requires no sign-up or credit check.

General information, not financial advice — consult a qualified professional.