How much house can you afford in Indianapolis? 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 |
|---|
Grandview Lending, Inc.
5.0 · 100 reviews · Free pre-approval
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Approved Mortgage Corporation
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
MJW Financial LLC dba MJW Mortgage
4.7 · 101 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 →
Grandview Lending, Inc. focuses on guiding clients through the mortgage process with clear communication and personalized options. Their team assists with home loans and refinancing, often praised for responsiveness and thoroughness. Some customers note the process can be involved, but many appreciate the steady support throughout.
As the oldest and largest locally-owned mortgage banker in Central Indiana, Approved Mortgage Corporation works with over 20 investors to offer a wide range of residential, commercial, and business loans. Customers appreciate the team’s responsiveness and clear communication throughout the process, though some note the experience can feel fast-paced.
MJW Financial has been helping buyers and homeowners refinance since 2008, focusing on clear communication and resourceful service. Their team guides clients through mortgage loans with timely responses and support, even outside regular hours. Customers appreciate their professionalism and thoroughness, though some note the process can be intense given market demands.
Golden Oak Lending specializes in helping clients navigate mortgage options with clear explanations and personalized guidance. Their local loan officers assist both first-time buyers and experienced homeowners with finding suitable loan programs, including home equity loans. Customers appreciate the team’s communication and patience, though some have noted occasional concerns with responsiveness.
Langdon Mortgage Company, Inc combines mortgage brokerage with correspondent lending to offer faster closings and access to a broad range of loan programs. The team provides clear guidance throughout buying or refinancing, with many customers appreciating their patience, communication, and ability to simplify complex steps. Some find the process detailed but manageable with their support.
Chapman Mortgage has been helping Indiana residents navigate home loans since 2000, with a focus on clear communication throughout the process. The team assists with buying and refinancing, guiding clients patiently through paperwork and questions. Customers appreciate their responsiveness and straightforward approach, though the process can involve extensive documentation.
PacRes Mortgage focuses on helping clients navigate home financing with clear communication and responsiveness. The team offers mortgage financing and refinancing services, guiding customers through what can be a complex process. While some clients mention occasional challenges, they appreciate the team’s friendly support and willingness to keep them informed.
Bright Star Mortgage focuses on guiding clients through the loan application process with clear explanations and personalized options. They offer home purchase and refinancing loans, working to secure competitive rates while keeping customers informed. Reviewers appreciate their responsiveness and smooth, low-stress approach, though the process can still feel involved.
Known for working closely with first-time homebuyers and veterans, Spectrum Mortgage Services offers a variety of loan options including VA, FHA, USDA, and conventional mortgages. The team provides personal attention throughout the process, with many customers appreciating their clear communication, though some note occasional inconsistencies in follow-up.
Steve Clark was so professional and answered all my questions and concerns right away. Never had to wait. He even took care of us while on his vacation. Very dedicated to his work!
I was referred to John Dearth for a new mortgage. Could not be happier with my experience. Completely put together the mortgage while I was out of town. Got me an excellent rate. Couldn't be more accommodating. 5+ stars.
Lenders made 11,615 home-purchase loans in Marion County in 2025 (average about $260,000) and denied 1,803 — 13% of decided applications, compared with 12% across Indiana, according to federal mortgage data (HMDA, CFPB). In Indianapolis, the median home is worth $224,800 and 68% of owners have a mortgage, paying a median $1,462 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Marion 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 | Grandview Lending, Inc. | 5.0 | 100 | Quoted per loan | (317) 284-9716 | Visit |
| 2 | Approved Mortgage Corporation | 5.0 | 100 | Quoted per loan | (317) 882-2255 | Visit |
| 3 | MJW Financial LLC dba MJW Mortgage | 4.7 | 101 | Quoted per loan | (317) 579-9483 | Visit |
| 4 | Golden Oak Lending | 4.7 | 68 | Quoted per loan | (317) 706-4653 | Visit |
| 5 | Langdon Mortgage Company, Inc | 5.0 | 56 | Quoted per loan | (317) 844-2250 | Visit |
| 6 | Chapman Mortgage | 5.0 | 54 | Quoted per loan | (317) 883-2604 | Visit |
| 7 | PacRes Mortgage - Indianapolis, IN | 5.0 | 26 | Quoted per loan | (513) 572-5310 | Visit |
| 8 | Bright Star Mortgage | 5.0 | 11 | Quoted per loan | (317) 945-4555 | Visit |
| 9 | Spectrum Mortgage Services, LLC | 4.0 | 12 | Quoted per loan | (317) 849-1900 | 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.