How much house can you afford in Overland Park? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
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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.
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| After | Paid in total | Still owed |
|---|
Smart Home Lending
5.0 · 596 reviews · Free pre-approval
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LeaderOne Financial Corporation
4.9 · 503 reviews · Free pre-approval
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Mutual of Omaha Mortgage
4.8 · 504 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 →
Smart Home Lending focuses on finding mortgage options that suit each client’s needs, with a team known for being personal and proactive throughout the process. They offer clear explanations and timely follow-up, helping customers feel supported even when communication occasionally overlaps. Many appreciate their attention to detail and responsiveness.
With over 33 years of experience and licensing in nearly 50 states, LeaderOne Financial offers a wide range of mortgage options including home purchases, refinancing, and equity loans. Their team is known for clear communication and personalized support, though some clients have noted occasional issues with timing and paperwork during closing.
Known for clear communication and regular updates throughout the mortgage process, Mutual of Omaha Mortgage offers a range of home loan services. Customers appreciate the team’s professionalism and efficiency, though some have noted occasional lapses in follow-up. The agents strive to keep clients informed and make the experience as smooth as possible.
Mission Mortgage of Kansas City, a division of ALCOVA Mortgage, has been serving the metro area since 1999 with a focus on clear guidance and responsive communication. They offer a wide range of mortgage options, including first-time homebuyer programs, refinancing, and investment loans. Customers appreciate their helpful, patient team and the ease of their online application process.
PrimeLending offers a streamlined mortgage process supported by digital tools and personalized guidance to help clients find the right home loan. They provide various options, including purchase, refinance, renovation, and VA loans, with a focus on clear communication and timely responses. Customers appreciate the smooth experience and helpful support throughout.
Homestead Financial Mortgage specializes in providing a personalized, straightforward mortgage experience backed by over two decades of industry presence. Their NMLS-certified team assists with home purchases, refinancing, and debt consolidation, offering a variety of loan options and helpful financial tools. Customers appreciate the clear communication and supportive guidance throughout the… more...
Homestead Financial Mortgage specializes in providing a personalized, straightforward mortgage experience backed by over two decades of industry presence. Their NMLS-certified team assists with home purchases, refinancing, and debt consolidation, offering a variety of loan options and helpful financial tools. Customers appreciate the clear communication and supportive guidance throughout the process, though paperwork can be extensive.
Known for its expertise in VA, conventional, FHA, and USDA loans, Guild Mortgage offers a wide range of home financing options tailored to different buyer needs. The team provides clear, patient guidance throughout the mortgage process, helping clients feel informed and supported. Communication is generally smooth, with timely updates and responsiveness.
With over six decades of experience, Guild Mortgage focuses on personalized home financing solutions tailored to each client’s unique situation. They offer a range of loan programs, including VA, FHA, jumbo, and renovation loans, supported by local processing for quicker service. Customers appreciate the team’s knowledge and clear communication throughout the mortgage process.
Waterstone Mortgage is known for its consultative approach and strong focus on building lasting client relationships. They offer a range of mortgage services, including Conventional, FHA, VA, and construction loans, along with specialized programs for first-time buyers and down payment assistance. Customers appreciate clear communication and detailed explanations throughout the process.
Known for quick responses and clear communication, this mortgage team guides clients smoothly from pre-approval to closing. They handle loan processes with a focus on keeping borrowers informed and comfortable, especially first-time buyers. Customers appreciate their professionalism and consistent availability throughout the home-buying journey.
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 Overland Park, the median home is worth $413,600 and 66% of owners have a mortgage, paying a median $2,314 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 | Smart Home Lending | 5.0 | 596 | — | (913) 599-9222 | Visit |
| 2 | LeaderOne Financial Corporation | 4.9 | 503 | Quoted per loan | (800) 270-3416 | Visit |
| 3 | Mutual of Omaha Mortgage | 4.8 | 504 | — | (913) 954-4320 | Visit |
| 4 | Mission Mortgage of Kansas City A Division of ALCOVA Mortgage | 5.0 | 245 | Quoted per loan | (913) 469-1999 | Visit |
| 5 | PrimeLending, A PlainsCapital Company - Overland Park | 4.9 | 199 | — | (913) 305-5435 | Visit |
| 6 | Homestead Financial Mortgage - Overland Park, KS | 4.9 | 159 | Quoted per loan | (913) 317-1000 | Visit |
| 7 | Guild Mortgage - James Finch | 5.0 | 74 | — | (913) 289-0456 | Visit |
| 8 | Guild Mortgage Company | 5.0 | 54 | — | (913) 322-4422 | Visit |
| 9 | Waterstone Mortgage - Overland Park, KS | 5.0 | 49 | — | (800) 354-1149 | Visit |
| 10 | Brittani King at CrossCountry Mortgage | 5.0 | 47 | — | (918) 720-3741 | 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.