How much house can you afford in Joliet? 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 |
|---|
Joliet Bank & Trust
4.9 · 171 reviews · Free pre-approval
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John Ruiz - Preferred Rate
5.0 · 81 reviews · Free pre-approval
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TNT Financial Group, LLC
5.0 · 47 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 →
Known for its helpful and patient team, Joliet Bank & Trust offers mortgage services alongside personal and business banking. Customers appreciate the clear explanations and friendly support throughout the mortgage process, though experiences may vary depending on the representative assisting. The staff’s attentiveness often makes complex steps easier to navigate.
Known for clear communication and responsiveness, John Ruiz - Preferred Rate helps clients navigate the mortgage process with transparency and care. The team offers mortgage lending services focused on making financing straightforward and efficient. Customers appreciate their patience and professionalism, though some note the process can still feel complex at times.
Known for personalized and clear communication, TNT Financial Group, LLC specializes in guiding clients through mortgage loans with detailed explanations and responsive support. The team helps both first-time buyers and experienced property owners navigate approvals and closings smoothly, with customers appreciating their professionalism and availability throughout the process.
Midland States Bank operates as a community-focused lender registered under NMLS #411141, emphasizing fair and personalized mortgage services. The team helps with home purchases and refinancing, drawing on decades of experience to guide clients through the process. Customers appreciate the responsive communication and straightforward approach, though some note paperwork can require patience.
Known for attentive guidance throughout the mortgage process, this team helps clients find loans that fit their goals. They assist with home purchase financing and stay responsive to questions, making the experience smoother. Some clients note the process can take time, but appreciate the clear communication and support.
Preferred Rate offers a variety of home loan options, including purchase and refinance programs, supported by a broad network of licensed loan officers across multiple states. Customers appreciate the team’s straightforward guidance and helpful resources, which simplify the mortgage process, especially for first-time homebuyers. Some find the experience easier when working with specific agents… more...
Preferred Rate offers a variety of home loan options, including purchase and refinance programs, supported by a broad network of licensed loan officers across multiple states. Customers appreciate the team’s straightforward guidance and helpful resources, which simplify the mortgage process, especially for first-time homebuyers. Some find the experience easier when working with specific agents familiar with their needs.
With nearly 20 years of experience, First Mortgage Resource specializes in guiding first-time homebuyers through the mortgage process. Their team offers a variety of loan options, including Conventional, FHA, VA, and Jumbo loans, aiming to make financing straightforward. Customers appreciate their clear communication and responsive support throughout the homebuying journey.
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Lenders made 8,206 home-purchase loans in Will County in 2025 (average about $339,000) and denied 1,001 — 11% of decided applications, compared with 12% across Illinois, according to federal mortgage data (HMDA, CFPB). In Joliet, the median home is worth $265,800 and 72% of owners have a mortgage, paying a median $1,960 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Will 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 | Joliet Bank & Trust | 4.9 | 171 | $5 | (815) 725-8100 | Visit |
| 2 | John Ruiz - Preferred Rate | 5.0 | 81 | Quoted per loan | (708) 925-5148 | Visit |
| 3 | TNT Financial Group, LLC | 5.0 | 47 | Quoted per loan | (708) 567-2380 | Visit |
| 4 | Steve Staniszewski - Mortgage Loan Originator Midland States Bank nmls# 435784 | 5.0 | 42 | Quoted per loan | (815) 341-5457 | Visit |
| 5 | Janine Iuliano at CrossCountry Mortgage | 5.0 | 19 | — | (847) 553-7196 | Visit |
| 6 | Preferred Rate - Joliet | 5.0 | 10 | — | (708) 925-5148 | Visit |
| 7 | First Mortgage Resource | 5.0 | 9 | — | (815) 609-9400 | Visit |
| 8 | Chase Home Lending | 5.0 | 1 | — | (630) 917-4381 | Visit |
| 9 | Wintrust Mortgage | 5.0 | 1 | — | (815) 725-8100 | 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.