How much house can you afford in Olathe? 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 |
|---|
Tyler Baker
5.0 · 9 reviews · Free pre-approval
Get pre-approved →
Guild Mortgage - Angie Bates
5.0 · 7 reviews · Free pre-approval
Get pre-approved →
Guild Mortgage - Erica Banks
5.0 · 4 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 proactive communication throughout the loan process, this mortgage team keeps clients informed every step of the way. They offer mortgage lending services with a focus on efficiency, often meeting tight deadlines. Customers appreciate their professionalism and consider them a reliable resource for real estate financing.
Guild Mortgage offers clear communication and reliable support throughout the home loan process, with agents who stay in touch with clients and all parties involved. Their team provides a range of mortgage services and is known for being accessible, sometimes even around the clock. Customers appreciate the straightforward guidance and thorough explanations provided.
Guild Mortgage offers a wide range of mortgage options, including loans for first-time buyers and refinancing, backed by nearly 30 years of combined industry experience. The team provides clear guidance and uses digital tools to help borrowers navigate the process smoothly. Customers appreciate their responsiveness and support throughout home financing.
Licensed under NMLS 1522149, this loan officer works with Mutual of Omaha Mortgage, a BBB-accredited lender known for its transparent and supportive approach. The team offers a broad range of home loan options, including refinancing and VA loans, and is praised for clear communication and patient guidance throughout the process.
Guild Mortgage offers a variety of specialized loan programs, including options for first-time homebuyers and VA or FHA loans. Their team provides personalized guidance throughout the mortgage and refinancing process, with many clients appreciating the attentive, relationship-focused service. Some may find the process detailed, but the support helps navigate complexities smoothly.
About Guild MortgageGuild Mortgage is a leading independent mortgage lender dedicated to helping individuals and families achieve homeownership. Founded with a commitment to integrity and customer service, the company has grown to become a trusted name in the mortgage industry. Guild Mortgage offers a comprehensive suite of loan products designed to meet diverse financial needs and life… more...
About Guild MortgageGuild Mortgage is a leading independent mortgage lender dedicated to helping individuals and families achieve homeownership. Founded with a commitment to integrity and customer service, the company has grown to become a trusted name in the mortgage industry. Guild Mortgage offers a comprehensive suite of loan products designed to meet diverse financial needs and life situations. Their mission is to provide personalized mortgage solutions with a focus on transparency, efficiency, and support throughout the entire home buying process. With a team of experienced professionals, Guild Mortgage strives to make the journey to homeownership as smooth and stress-free as possible, building lasting relationships with clients based on trust and reliability.Why Choose GuildGuild Mortgage distinguishes itself through its unwavering commitment to customer satisfaction and its extensive industry expertise. The company consistently receives high ratings and positive testimonials, reflecting its dedication to service excellence. Guild Mortgage is recognized for its robust loan programs, including options for first-time homebuyers, refinancers, and those seeking specialized financing. Their experienced loan officers provide personalized guidance, ensuring clients understand their options and find the best mortgage to fit their unique circumstances. This client-centric approach, combined with a strong track record and a focus on ethical practices, makes Guild Mortgage a reliable partner in achieving homeownership goals.Guild Mortgage OffersGuild Mortgage provides a wide array of mortgage solutions tailored to various homeownership needs. This includes options for purchasing a new home, refinancing an existing mortgage, and exploring specialized loan programs such as those for first-time homebuyers, military personnel, and high-cost markets. Their offerings encompass fixed-rate mortgages, adjustable-rate mortgages, and programs designed to assist with down payments. Guild Mortgage also offers tools like mortgage calculators and educational resources to empower borrowers with information. The company's service areas are extensive, covering diverse markets and financial situations, ensuring that clients can find suitable financing to achieve their homeownership dreams.Unique AdvantagesGuild Mortgage is recognized for its high customer satisfaction ratings, evidenced by numerous positive reviews and testimonials. The company offers a comprehensive suite of loan programs designed to cater to a wide range of borrower needs, including specialized options for first-time homebuyers and military service members. Guild Mortgage provides robust digital tools and resources, such as mortgage calculators and a mobile app, to enhance the borrower experience. Their commitment to community involvement and ethical lending practices further sets them apart as a trusted mortgage provider.
Lenders made 8,300 home-purchase loans in Johnson County in 2025 (average about $468,000) and denied 387 — 4% of decided applications, compared with 10% across Kansas, according to federal mortgage data (HMDA, CFPB). In Olathe, the median home is worth $364,700 and 75% of owners have a mortgage, paying a median $2,142 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Johnson 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 | Tyler Baker | 5.0 | 9 | — | (785) 383-4820 | — |
| 2 | Guild Mortgage - Angie Bates | 5.0 | 7 | — | (913) 709-0154 | Visit |
| 3 | Guild Mortgage - Erica Banks | 5.0 | 4 | — | (913) 800-9023 | Visit |
| 4 | Ricky Freeman - Loan Officer NMLS 1522149 | 5.0 | 3 | — | (913) 669-6442 | Visit |
| 5 | Guild Mortgage - Jennifer Kimberly | 5.0 | 3 | — | (316) 867-4611 | Visit |
| 6 | Guild Mortgage - Luke Hougland | 5.0 | 1 | — | — | Visit |
| 7 | Zach Epps | 5.0 | 1 | — | (913) 375-7997 | — |
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.