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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Kansas
  4. Olathe
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Olathe, KS

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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Olathe

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Tyler Baker

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.

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(785) 383-4820
Closed Now
14109 S Mur-Len Rd, Olathe, KS 66062
2

Guild Mortgage - Angie Bates

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.

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(913) 709-0154
Closed Now
14109 S Mur-Len Rd, Olathe, KS 66062
3

Guild Mortgage - Erica Banks

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.

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(913) 800-9023
Closed Now
14109 S Mur-Len Rd, Olathe, KS 66062
4

Ricky Freeman - Loan Officer NMLS 1522149

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.

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(913) 669-6442
Open 8:00 AM - 7:00 PM
15144 W 154th Terrace, Olathe, KS 66062
5

Guild Mortgage - Jennifer Kimberly

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.

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(316) 867-4611
Closed Now
14109 S Mur-Len Rd, Olathe, KS 66062
Where they are 7 on the map Click a pin for the profile and directions
6

Guild Mortgage - Luke Hougland

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.

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Closed Now
14109 S Mur-Len Rd, Olathe, KS 66062
7

Zach Epps

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(913) 375-7997
Closed Now
14109 S Mur-Len Rd, Olathe, KS 66062

Olathe Mortgage Statistics

Home-purchase lending in Johnson County and home costs in Olathe, KS (latest HMDA and Census data)

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).

Home-purchase loans, 2025
8,300▲ 11%7,494 in 2024
Denial rate
4%KS 10%
Median home value
$364,700KS $217,200
Monthly cost with a mortgage
$2,142median · KS $1,689
Refinance loans made (Johnson County, 2025)
4,224 · 3,114 in 2024
Home-improvement loans made (2025)
1,778
Average home-purchase loan
$468,000 (KS $294,000)
Owners with a mortgage
75% · 20% of them spend 30%+ of income on housing
Median household income
$114,009 (KS $74,275)

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.

Olathe Mortgage Brokers stats: 7 businesses compared side by side · updated
# 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 —

How this Olathe mortgage affordability calculator works

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.

Kansas rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 1.2% of the home's value a year, the Kansas average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates the maximum home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability estimate?
The estimate is a guide; pre-approval confirms it by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Kansas?
Lenders often cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What is the minimum down payment for a home in Olathe?
Conventional loans require at least 3% down for first-time buyers; FHA loans need 3.5%.
How does private mortgage insurance (PMI) affect my mortgage?
If your down payment is under 20%, PMI adds about 0.6% of the loan yearly until the balance is below 80% of the home's value.
How do interest rates change what I can afford?
Higher rates increase monthly payments, reducing the maximum home price you can afford.
How do debts affect my mortgage qualification?
Higher monthly debts reduce the amount you can borrow since they count toward the 43% total debt limit.
What are property taxes like in Kansas?
Kansas property tax is about 1.2% of the home's value annually, based on 2024 averages.
What's the difference between pre-approval and pre-qualification?
Pre-approval verifies your financial details for a more accurate estimate; pre-qualification is a preliminary review.

General information, not financial advice — consult a qualified professional.