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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Kansas
  4. Overland Park
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Overland Park, KS

How much house can you afford in Overland Park? 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 Overland Park

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

1

Smart Home Lending

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.

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(913) 599-9222
Open 7:00 AM - 10:00 PM
5440 W 110th St Ste 300, Overland Park, KS 66211
2

LeaderOne Financial Corporation

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.

Services & Prices
Fixed Rate Mortgages Quoted per loan
Adjustable Rate Mortgages Quoted per loan
FHA Loans Quoted per loan
Rate and Term Refinancing Quoted per loan
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(800) 270-3416
Open 8:00 AM - 5:00 PM
7500 College Blvd #1150, Overland Park, KS 66210
General Services
Home Loans
3

Mutual of Omaha Mortgage

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.

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(913) 954-4320
Open 8:00 AM - 6:00 PM
10740 Nall Ave #115, Overland Park, KS 66211
4

Mission Mortgage of Kansas City A Division of ALCOVA Mortgage

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.

Services & Prices
Home Loans Quoted per loan
Refinancing Quoted per loan
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(913) 469-1999
Open 8:00 AM - 5:00 PM
9401 Indian Creek Pkwy #470, Overland Park, KS 66210
General Services
Mortgage Services
5

PrimeLending, A PlainsCapital Company - Overland Park

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.

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(913) 305-5435
Open 8:30 AM - 5:00 PM
8900 Indian Creek Pkwy, Overland Park, KS 66210
Where they are 10 on the map Click a pin for the profile and directions
6

Homestead Financial Mortgage - Overland Park, KS

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
VA Loans Quoted per loan
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(913) 317-1000
Open 8:00 AM - 7:00 PM
8585 College Blvd #110, Overland Park, KS 66210
General Services
Mortgage Services
7

Guild Mortgage - James Finch

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.

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(913) 289-0456
Open 8:30 AM - 5:00 PM
10740 Nall Ave Ste 150, Overland Park, KS 66211
8

Guild Mortgage Company

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.

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(913) 322-4422
Open 8:00 AM - 5:00 PM
7201 W 129th St #120, Overland Park, KS 66213
9

Waterstone Mortgage - Overland Park, KS

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.

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(800) 354-1149
Open 9:00 AM - 5:00 PM
7516 W 161st St, Overland Park, KS 66085
10

Brittani King at CrossCountry Mortgage

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.

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(918) 720-3741
Open 00:00 - 23:59
4000 W 114th St Ste 324, Overland Park, KS 66211

Overland Park Mortgage Statistics

Home-purchase lending in Johnson County and home costs in Overland Park, 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 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).

Home-purchase loans, 2025
8,300▲ 11%7,494 in 2024
Denial rate
4%KS 10%
Median home value
$413,600KS $217,200
Monthly cost with a mortgage
$2,314median · 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
66% · 20% of them spend 30%+ of income on housing
Median household income
$104,834 (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.

How this Overland Park 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 for Overland Park work?
It estimates the highest home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the Overland Park mortgage affordability estimate?
It's a general estimate. A lender's pre-approval confirms accuracy by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Kansas?
Lenders typically cap housing costs at 31% and total debts at 43% of gross monthly income.
What's the minimum down payment for a mortgage in Overland Park?
Minimum down payment is 3% for conventional loans, 3.5% for FHA loans; VA and USDA loans can allow 0% down.
How do interest rates affect mortgage affordability in Kansas?
Higher rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
How do debts affect how much mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you qualify for, as lenders consider total debt-to-income ratio.
What is the property tax rate in Kansas?
Property tax is about 1.2% of the home's value annually for owner-occupied homes in Kansas.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying financial details, while pre-qualification is an initial estimate without verification.
Do I need private mortgage insurance (PMI) in Overland Park?
With less than 20% down on conventional loans, PMI is required, about 0.6% of the loan annually.

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