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Review Keywords Analysis

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

Mortgage Affordability Calculator Wichita, KS

How much house can you afford in Wichita? 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 Wichita

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

1

Hope Mortgage Solutions: Ryan Lee, Mortgage Broker - Wichita

Hope Mortgage Solutions offers personalized mortgage guidance with fast funding options to help clients secure home purchases or refinancing. The team assists with a variety of loan types and uses tools like rate comparison and property evaluation to support informed decisions. Customers appreciate their responsiveness and clear communication throughout the process.

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(316) 744-5819
Open 8:00 AM - 8:00 PM
1029 W Douglas Ave Ste 202, Wichita, KS 67213
2

Sierra Pacific Mortgage Wichita

Sierra Pacific Mortgage Wichita specializes in helping first-time homebuyers navigate the mortgage process with clear explanations and patient support. Their team offers personalized guidance that many clients find reduces stress and confusion during home financing. While some may find the process detailed, the agents consistently provide knowledgeable and attentive service.

Services & Prices
First Time Home Buyer Assistance Quoted per loan
View Profile
(316) 260-5656
Closed Now
10111 E 21st St N Ste 200, Wichita, KS 67206
General Services
Mortgage Services
3

PrimeLending, a PlainsCapital Company - Wichita West

PrimeLending, a PlainsCapital Company - Wichita West, is known for its attentive loan management and clear communication throughout the mortgage process. The team helps guide clients through home financing, often going the extra mile to resolve issues and keep closings on track. Customers appreciate the friendly support, though the process can involve some unexpected hurdles.

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(316) 361-3752
Closed Now
7348 W 21st St Ste 118, Wichita, KS 67205
4

Michelle Post, Licensed Mortgage Specialist, NMLS#251542

Licensed Mortgage Specialist NMLS#251542 offers personalized mortgage guidance with a focus on finding the right loan options for each client. The team provides clear explanations and responsive communication throughout the process. Customers appreciate their patience and willingness to explore alternatives, even if it means considering other lenders.

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(316) 390-7316
Open 00:00 - 23:59
10111 E 21st St N Ste 200, Wichita, KS 67206
5

Aaron Clark "The Mortgage Dad" - Mortgage Broker

Known for a personalized and educational approach, The Mortgage Dad helps clients navigate home financing with clear communication and tailored loan options. The team assists with purchases, refinancing, and specialized loans like VA and FHA, guiding both first-time buyers and seasoned homeowners. While responsiveness is often praised, some clients have noted occasional delays in follow-up.

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(316) 573-3996
Open 9:00 AM - 9:00 PM
3234 E Douglas Ave, Wichita, KS 67208
Where they are 10 on the map Click a pin for the profile and directions
6

Guild Mortgage - Rick Rangel

Guild Mortgage - Rick Rangel offers a smooth mortgage process with clear communication and both digital and in-person options. The team assists clients through every step, answering questions promptly and providing detailed explanations. Customers appreciate the convenience and support throughout their home financing experience.

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(316) 806-4892
Closed Now
810 W Douglas Ave SUITE.D, Wichita, KS 67203
7

Flint Hills Mortgage, LLC

Flint Hills Mortgage uses advanced technology to simplify the mortgage approval process while offering competitive rates and a variety of loan options. Their licensed team guides clients through everything from pre-approval to closing, with particular experience helping first-time homebuyers. Customers appreciate their knowledgeable, responsive service throughout the process.

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(316) 213-9347
Closed Now
127 E 2nd St N, Wichita, KS 67202
8

American Mortgage Firm LLC

Known for providing fast pre-approvals and personalized one-on-one guidance, American Mortgage Firm helps Kansas homebuyers navigate a variety of loan options, including FHA, VA, Jumbo, and conventional mortgages. Clients appreciate the friendly, knowledgeable support throughout the process, though some note the hands-on approach requires active communication.

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(316) 409-5569
Open 8:00 AM - 7:00 PM
5025 E Kellogg Dr, Wichita, KS 67218
9

Phoenix Mortgage Group

Phoenix Mortgage Group offers quick pre-approvals and 24/7 access to mortgage experts, helping clients navigate home purchases and refinancing with personalized guidance. Their team provides tools like instant prequalification and detailed loan analysis, with clients appreciating clear communication and support throughout what can be a complex process.

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(316) 942-8228
Closed Now
1223 N Rock Rd Ste H300, Wichita, KS 67206
10

Hope Mortgage Solutions: Alyssa Smith, Mortgage Broker - Wichita

Hope Mortgage Solutions focuses on guiding first-time homebuyers through a clear and manageable mortgage process. The team offers a variety of loan options, including refinancing and cash-out loans, while providing tools to help clients compare offers and make informed decisions. Customers appreciate their responsiveness and ability to handle complex financial situations with care.

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(316) 992-5005
Open 8:00 AM - 8:00 PM
6114 W Central Ave, Wichita, KS 67212

Wichita Mortgage Statistics

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

Lenders made 7,036 home-purchase loans in Sedgwick County in 2025 (average about $256,000) and denied 842 — 11% of decided applications, compared with 10% across Kansas, according to federal mortgage data (HMDA, CFPB). In Wichita, the median home is worth $190,800 and 60% of owners have a mortgage, paying a median $1,480 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
7,036▲ 6%6,607 in 2024
Denial rate
11%KS 10%
Median home value
$190,800KS $217,200
Monthly cost with a mortgage
$1,480median · KS $1,689
Refinance loans made (Sedgwick County, 2025)
3,581 · 2,630 in 2024
Home-improvement loans made (2025)
1,005
Average home-purchase loan
$256,000 (KS $294,000)
Owners with a mortgage
60% · 21% of them spend 30%+ of income on housing
Median household income
$64,620 (KS $74,275)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Sedgwick County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

How this Wichita 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?
The calculator estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes mortgage amount, monthly payment, PMI, and property tax.
What is the debt-to-income ratio for mortgages in Kansas?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%. Some loans may allow more with strong credit.
What is the minimum down payment for a first-time homebuyer in Wichita?
The minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect my mortgage in Kansas?
Private mortgage insurance (PMI) applies if the down payment is under 20%. It's roughly 0.6% of the loan annually and can be removed when the balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% as of October 2026 and change weekly.
How do my debts affect my mortgage eligibility?
Higher monthly debts reduce the mortgage amount you qualify for, as lenders consider total debt payments in your debt-to-income ratio.
What are Kansas property taxes like?
Property tax in Kansas is about 1.2% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, credit, and down payment, giving a more accurate estimate than pre-qualification, which is less detailed.
How does a mortgage broker help in Wichita?
A mortgage broker connects you with lenders, helping find loan options that fit your financial situation. They assist with the mortgage application process.

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