How much house can you afford in Lexington? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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 |
|---|
Benchmark Mortgage
5.0 · 519 reviews · Free pre-approval
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Lex Lending
4.9 · 298 reviews · Free pre-approval
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Jesse Hardin, Mortgage Lender NMLS #770974
5.0 · 203 reviews · Free pre-approval
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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 →
Known for a client-focused approach, Benchmark Mortgage Lexington helps first-time buyers, refinancers, and investors navigate the mortgage process with personalized support and clear communication. Their team offers pre-approval services and educational resources, making home financing more accessible, though some clients note the process can still feel complex at times.
Lex Lending specializes in reliable mortgage pre-approvals that other agents trust to avoid surprises before closing. The team offers thorough loan assistance and has helped save deals when other lenders fell short. Customers appreciate their helpful and personable approach throughout the process.
Licensed mortgage lender NMLS #770974, Jesse Hardin specializes in guiding first-time homebuyers and veterans through various loan options, including VA and conventional mortgages. Clients appreciate the clear communication, timely responses, and educational approach that help simplify what can be a complex process. The team is known for keeping documents ready ahead of deadlines and providing… more...
Licensed mortgage lender NMLS #770974, Jesse Hardin specializes in guiding first-time homebuyers and veterans through various loan options, including VA and conventional mortgages. Clients appreciate the clear communication, timely responses, and educational approach that help simplify what can be a complex process. The team is known for keeping documents ready ahead of deadlines and providing personalized support throughout.
Known for clear communication and a smooth mortgage process, Benchmark Mortgage, Brad Hacker offers personalized guidance from initial financial review to closing. The team handles each step efficiently and keeps clients well-informed, with many appreciating their professionalism and attentive support throughout the loan experience.
Licensed across six states, this mortgage planning team focuses on guiding clients through every step of the home loan process with clear, personalized support. They offer competitive rates, educational resources like a blog and step-by-step guides, and are often described as responsive and communicative throughout the journey. Some clients note the process can take time, but appreciate the… more...
Licensed across six states, this mortgage planning team focuses on guiding clients through every step of the home loan process with clear, personalized support. They offer competitive rates, educational resources like a blog and step-by-step guides, and are often described as responsive and communicative throughout the journey. Some clients note the process can take time, but appreciate the thoroughness and care provided.
Ruoff Mortgage holds an A+ rating from the Better Business Bureau, reflecting its long-standing commitment to ethical practices and customer satisfaction. The team offers a variety of loan options, including conventional, FHA, VA, and USDA programs, with a focus on clear communication and efficient processing. Clients appreciate their responsiveness and guidance throughout the mortgage journey.
Known for offering competitive rates nationwide, this mortgage team specializes in FHA, VA, Jumbo, Conventional, and refinance loans tailored to various borrower needs. Clients appreciate their responsiveness and clear communication, though some note occasional last-minute requests that can complicate closing. The focus remains on making the mortgage process straightforward and timely.
Known for quick pre-approvals and responsive service, Benchmark Mortgage, Leslie Ricketts helps clients navigate home loans with ease. The team offers clear communication and uses an online portal to simplify document submission. Customers appreciate their friendly approach and ability to adapt quickly during unexpected challenges.
Mark Sammons Mortgage Lender is known for clear communication and making the home loan process as straightforward as possible. The team assists with home purchases and refinancing, guiding clients through each step with expertise and attentiveness. Customers appreciate the consistent updates and helpful explanations, though the process can still feel complex at times.
Licensed mortgage broker MSI Lending of Lexington specializes in a broad range of Kentucky loan programs, including VA, jumbo, refinance, and first-time homebuyer options. The team is known for clear communication and guiding clients smoothly through paperwork, though some find the process can take time depending on underwriting.
Lenders made 3,308 home-purchase loans in Fayette County in 2025 (average about $383,000) and denied 259 — 7% of decided applications, compared with 21% across Kentucky, according to federal mortgage data (HMDA, CFPB). In Lexington, the median home is worth $293,500 and 68% of owners have a mortgage, paying a median $1,636 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Fayette 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 | Benchmark Mortgage | 5.0 | 519 | Quoted per loan | (859) 977-5239 | Visit |
| 2 | Lex Lending | 4.9 | 298 | — | (859) 699-1943 | Visit |
| 3 | Jesse Hardin, Mortgage Lender NMLS #770974 | 5.0 | 203 | — | (859) 361-0309 | Visit |
| 4 | Benchmark Mortgage, Brad Hacker | 5.0 | 175 | Quoted per loan | (859) 977-5239 | Visit |
| 5 | David Willoughby, Benchmark Mortgage | 5.0 | 117 | Quoted per loan | (859) 536-7643 | Visit |
| 6 | Racee Greene, Ruoff Mortgage | 5.0 | 90 | — | (270) 240-2798 | Visit |
| 7 | Bryan Dollins, Mortgage Loan Originator at Stockton Mortgage | 4.9 | 89 | — | (859) 338-4776 | Visit |
| 8 | Benchmark Mortgage, Leslie Ricketts | 5.0 | 73 | — | (859) 479-1034 | Visit |
| 9 | Mark Sammons Mortgage Lender | 5.0 | 53 | Quoted per loan | (859) 433-4558 | Visit |
| 10 | MSI Lending of Lexington | 5.0 | 41 | — | (859) 253-5363 | 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.