How much house can you afford in Columbus? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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.
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| After | Paid in total | Still owed |
|---|
Bill Clayton - Rate
5.0 · 225 reviews · Free pre-approval
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Gage Dollar - Northstar Mortgage Advisors
5.0 · 191 reviews · Free pre-approval
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Rate
5.0 · 166 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 →
Bill Clayton - Rate specializes in guiding clients through the mortgage process with clear communication and personalized support. The team offers home loan approvals, interest rate buy-downs, and financial advice, helping customers feel informed and confident. While some find the process lengthy, the staff’s responsiveness and expertise stand out.
Licensed in Georgia and Alabama, Gage Dollar and his team at Northstar Mortgage Advisors specialize in guiding clients through home purchase and refinance loans, including Conventional, FHA, VA, and USDA programs. Customers appreciate their clear communication and patient support, especially first-time buyers who find the process less overwhelming with their help.
Known for guiding first-time homebuyers through the mortgage process with clear communication and patience, this team offers personalized support from application to closing. They handle loan approvals efficiently and keep clients informed at every step. Some clients note the close attention requires active communication on their part.
With three decades of combined experience, NorthStar Mortgage Advisors offers personalized home loan guidance across several states, including Georgia and Florida. Their team helps clients navigate Conventional, FHA, VA, and USDA loans with clear communication and steady support throughout the process. Customers appreciate their honesty and responsiveness, though some note the process can feel… more...
With three decades of combined experience, NorthStar Mortgage Advisors offers personalized home loan guidance across several states, including Georgia and Florida. Their team helps clients navigate Conventional, FHA, VA, and USDA loans with clear communication and steady support throughout the process. Customers appreciate their honesty and responsiveness, though some note the process can feel detailed.
Silverton Mortgage specializes in FHA, VA, and USDA loans, offering tailored financing options to fit individual homebuyer needs. Their team guides clients through a variety of loan programs, including Conventional and Jumbo loans, with a focus on clear communication and personalized support. Some clients note the process can require patience, but many appreciate the responsiveness and dedication… more...
Silverton Mortgage specializes in FHA, VA, and USDA loans, offering tailored financing options to fit individual homebuyer needs. Their team guides clients through a variety of loan programs, including Conventional and Jumbo loans, with a focus on clear communication and personalized support. Some clients note the process can require patience, but many appreciate the responsiveness and dedication of the agents.
Known for guiding clients through complex mortgage processes with clear communication and patience, Victoria Clayton Hand - Rate offers mortgage brokerage services focused on home financing. The team is praised for professionalism, attention to detail, and making challenging approvals smoother, though some clients note the process can involve typical industry delays.
Fairway Independent Mortgage Corporation focuses on simplifying the home loan process, especially for first-time buyers. The team offers clear communication and guidance through various mortgage options, helping clients navigate each step smoothly. Customers appreciate their helpful approach and consistent support throughout the process.
Ruoff Mortgage specializes in personalized loan solutions with a focus on transparency and education, helping clients navigate home financing confidently. The team assists first-time buyers and those refinancing, providing expert guidance and a streamlined process. Customers appreciate their responsiveness and thorough communication throughout the mortgage journey.
Known for its mobile-first approach, The Elkins Team at Fairway Independent Mortgage Corporation offers tools like a dedicated app for document scanning and payment calculations. They provide clear communication and real-time updates throughout the mortgage process. Customers often highlight the team’s helpfulness and smooth handling of loan applications.
Advocate Home Loans focuses on providing fast, personalized mortgage quotes with competitive rates and transparent service. Licensed in Georgia and Alabama, they offer a variety of loan options including fixed, adjustable, FHA, VA, Jumbo, and USDA mortgages. Customers appreciate the team’s responsiveness and clear guidance throughout the process.
Lenders made 1,990 home-purchase loans in Muscogee County in 2025 (average about $253,000) and denied 230 — 10% of decided applications, compared with 15% across Georgia, according to federal mortgage data (HMDA, CFPB). In Columbus, the median home is worth $193,900 and 63% of owners have a mortgage, paying a median $1,489 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Muscogee 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 | Bill Clayton - Rate | 5.0 | 225 | — | (706) 660-5245 | Visit |
| 2 | Gage Dollar - Northstar Mortgage Advisors | 5.0 | 191 | Quoted per loan | (706) 620-0673 | Visit |
| 3 | Rate | 5.0 | 166 | $100 | (706) 576-2451 | — |
| 4 | Drew Lingo - NorthStar Mortgage Advisors | 5.0 | 131 | — | (706) 343-3430 | Visit |
| 5 | Silverton Mortgage - Columbus | 5.0 | 100 | — | (706) 507-4564 | Visit |
| 6 | Victoria Clayton Hand - Rate | 5.0 | 93 | Quoted per loan | — | Visit |
| 7 | John Tuggle, Senior Loan Officer, Fairway Independent Mortgage Corporation | 4.9 | 62 | — | (706) 315-2365 | Visit |
| 8 | Amy Schroeder, Ruoff Mortgage | 5.0 | 60 | — | (706) 987-9838 | Visit |
| 9 | The Elkins Team - Fairway Independent Mortgage Corporation | 5.0 | 58 | Quoted per loan | (706) 575-2462 | Visit |
| 10 | Advocate Home Loans | 5.0 | 38 | Quoted per loan | (706) 223-0555 | 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.