How much house can you afford in Chicago? 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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Mike Del Preto-Senior Mortgage Advisor-NMLS 230942Verified
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
Fairway Independent Mortgage Corporation
4.9 · 100 reviews · Free pre-approval
Get pre-approved →
The Schaff Group
5.0 · 78 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 →
Known for a clear, educational approach, this mortgage advisor helps clients understand their options for one of life’s biggest investments. The team offers personalized guidance through every step of the mortgage process, with many first-time buyers appreciating their thorough communication and seamless document management. Some find the detailed explanations take extra time but value the… more...
Known for a clear, educational approach, this mortgage advisor helps clients understand their options for one of life’s biggest investments. The team offers personalized guidance through every step of the mortgage process, with many first-time buyers appreciating their thorough communication and seamless document management. Some find the detailed explanations take extra time but value the clarity it provides.
Fairway Independent Mortgage Corporation has been helping homebuyers and refinancers for over 25 years, focusing on personalized support throughout the loan process. Their team assists with purchases and refinancing, often praised for clear communication and problem-solving, though some customers note occasional missed details in correspondence.
Specializing in refinance options, The Schaff Group helps clients navigate various loan programs to find the best fit for their needs. The team handles everything from first-time purchases to multiple refinances, with many customers appreciating their clear communication and quick, responsive service throughout the process.
The Kambs Jennings Group of Compass Mortgage specializes in providing loan commitments before home shopping, helping buyers make stronger offers. Their team guides clients through mortgage applications and closings with clear communication and quick responses. Customers appreciate their attentiveness and the confidence they bring to first-time homebuyers.
Loan Factory offers a streamlined mortgage application process with daily updates on current interest rates and personalized rate alerts. Their team assists with purchases and refinancing, guiding clients through document submission and rate locking. Customers appreciate their quick responses and clear communication throughout the loan process.
Senior Reverse Mortgage Group specializes in helping seniors access reverse mortgages tailored to their unique financial needs. With two decades of experience, the team guides clients through the process clearly and patiently, answering all questions to ease common confusion. Customers appreciate their professionalism and personal approach, though the process can sometimes take longer than… more...
Senior Reverse Mortgage Group specializes in helping seniors access reverse mortgages tailored to their unique financial needs. With two decades of experience, the team guides clients through the process clearly and patiently, answering all questions to ease common confusion. Customers appreciate their professionalism and personal approach, though the process can sometimes take longer than expected.
Known for securing competitive mortgage rates, A and N Mortgage Services, Inc. helps Chicago homebuyers and refinancers navigate the loan process with clear communication and attentive support. The team guides clients through paperwork and timelines, making what can be a stressful experience feel smoother and more manageable.
With 18 years of experience, Smooth Mortgage Company offers a single point of contact to guide you through home loans, refinancing, and renovation financing. Their services also include tax preparation and accounting to provide a full financial picture. Customers appreciate the team's clear communication, responsiveness, and efficient process, though some note occasional delays with lenders.
My husband and I have worked with Sean and Danielle couple times, they are extremely professional, reliable, communicative, very efficient, always available to answer questions and always get the job done. It’s truly a "smooth" process every time. Look forward to working with Smooth Mortgage Company…
Sean was so wonderful to work with! He was extremely helpful/knowledgeable and always available to answer any questions we had throughout our home buying process. I will highly recommend Smooth Mortgage to my peers. Thanks Sean!
Lenders made 45,513 home-purchase loans in Cook County in 2025 (average about $408,000) and denied 7,193 — 14% of decided applications, compared with 12% across Illinois, according to federal mortgage data (HMDA, CFPB). In Chicago, the median home is worth $334,100 and 65% of owners have a mortgage, paying a median $2,339 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Cook 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 | Mike Del Preto-Senior Mortgage Advisor-NMLS 230942 | 5.0 | 100 | — | (630) 730-0179 | Visit |
| 2 | Fairway Independent Mortgage Corporation | 4.9 | 100 | Quoted per loan | (312) 667-7681 | Visit |
| 3 | The Schaff Group | 5.0 | 78 | Quoted per loan | (847) 668-7877 | Visit |
| 4 | Kambs Jennings Group of Compass Mortgage | 5.0 | 64 | Quoted per loan | (312) 415-6109 | Visit |
| 5 | Loan Factory - We Dare You to Compare | 5.0 | 45 | Quoted per loan | — | Visit |
| 6 | Senior Reverse Mortgage Group, Inc. | 5.0 | 31 | Quoted per loan | (312) 588-7140 | Visit |
| 7 | A and N Mortgage Services, Inc. | 5.0 | 30 | Quoted per loan | (773) 305-5626 | Visit |
| 8 | Smooth Mortgage Company, LLC | 5.0 | 29 | Quoted per loan | (708) 669-7458 | 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.