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.
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 |
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Hope Mortgage Solutions: Ryan Lee, Mortgage Broker - Wichita
5.0 · 180 reviews · Free pre-approval
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Sierra Pacific Mortgage Wichita
4.9 · 86 reviews · Free pre-approval
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PrimeLending, a PlainsCapital Company - Wichita West
5.0 · 70 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Hope Mortgage Solutions: Ryan Lee, Mortgage Broker - Wichita | 5.0 | 180 | — | (316) 744-5819 | Visit |
| 2 | Sierra Pacific Mortgage Wichita | 4.9 | 86 | Quoted per loan | (316) 260-5656 | Visit |
| 3 | PrimeLending, a PlainsCapital Company - Wichita West | 5.0 | 70 | — | (316) 361-3752 | Visit |
| 4 | Michelle Post, Licensed Mortgage Specialist, NMLS#251542 | 4.9 | 60 | — | (316) 390-7316 | Visit |
| 5 | Aaron Clark "The Mortgage Dad" - Mortgage Broker | 4.9 | 58 | — | (316) 573-3996 | Visit |
| 6 | Guild Mortgage - Rick Rangel | 5.0 | 54 | — | (316) 806-4892 | Visit |
| 7 | Flint Hills Mortgage, LLC | 5.0 | 28 | — | (316) 213-9347 | Visit |
| 8 | American Mortgage Firm LLC | 5.0 | 25 | — | (316) 409-5569 | Visit |
| 9 | Phoenix Mortgage Group | 4.8 | 19 | — | (316) 942-8228 | Visit |
| 10 | Hope Mortgage Solutions: Alyssa Smith, Mortgage Broker - Wichita | 5.0 | 8 | — | (316) 992-5005 | 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.