How much house can you afford in Louisville? 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.
Enter your down payment.
| After | Paid in total | Still owed |
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Swan Financial Corporation
4.8 · 409 reviews · Free pre-approval
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Broker House Lending | Mortgage Brokers | Louisville KY
5.0 · 353 reviews · Free pre-approval
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First Fidelity Mortgage, Inc
5.0 · 242 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 →
Swan Financial Corporation focuses on building trust and long-term relationships with clients seeking mortgage solutions. The team offers personalized guidance through the mortgage process, helping customers feel comfortable and confident in their financial decisions. Some clients note the initial meetings as key to establishing a strong foundation.
Broker House Lending stands out for its access to over 60 mortgage investors, offering a wide variety of loan options tailored to different needs, from first-time homebuyers to real estate investors. The team is known for clear communication and fast processing, helping clients navigate the mortgage process with ease, though some may find the range of choices a bit overwhelming at first.
With over 50 years of combined experience, First Fidelity Mortgage, Inc. focuses on making home purchases and refinancing fast and straightforward. They offer a variety of loan programs with competitive rates and low closing costs, serving first-time buyers and seasoned homeowners alike. Customers appreciate the team’s responsiveness and clear communication throughout the process.
LightPoint Mortgage Company, Inc. is known for its responsive and patient team, especially helpful to first-time homebuyers. They assist with home purchases, refinancing, and a variety of loan options including FHA, VA, and jumbo loans. Customers appreciate their clear communication and efficient process, though some note the mortgage experience can still feel complex.
Wholesale Mortgage Source specializes in personalized mortgage solutions, offering a broad range of loan options including DSCR, FHA, VA, and jumbo loans. Serving clients across Florida, Indiana, and Kentucky, the team is known for clear communication and thorough guidance throughout the home financing process. Some clients note the process can be detailed, but the staff’s responsiveness helps… more...
Wholesale Mortgage Source specializes in personalized mortgage solutions, offering a broad range of loan options including DSCR, FHA, VA, and jumbo loans. Serving clients across Florida, Indiana, and Kentucky, the team is known for clear communication and thorough guidance throughout the home financing process. Some clients note the process can be detailed, but the staff’s responsiveness helps ease the experience.
Licensed in Indiana, Kentucky, and Florida, Vanguard Mortgage specializes in fast, personalized digital quotes and a streamlined online mortgage process often completed in under 30 days. Their team helps with home purchase loans, refinancing, and rate comparisons, with clients appreciating their clear communication and smooth, efficient service throughout the transaction.
Homestretch Mortgage is known for its clear communication and attentive service throughout the mortgage process. The team helps clients navigate home financing with professionalism and a personal touch, making what can be a stressful experience much easier to manage. Customers appreciate their organized approach and consistent follow-up.
Specializing in FHA, VA, KHC, and USDA loans, Joel Lobb offers personalized mortgage services with over 20 years of experience across all Kentucky counties. The team helps first-time homebuyers navigate loan options clearly and patiently, providing free application reviews and same-day answers. Customers appreciate their detailed guidance and responsiveness throughout the process.
With nearly two decades of experience and licensing across four states, Pinnacle Mortgage offers a range of loan options including Conventional, FHA, VA, USDA, and Jumbo programs. The team guides clients through home purchases and refinancing with clear communication and competitive rates. Customers appreciate their responsiveness and thorough support throughout the process.
American Mortgage Solutions specializes in helping clients secure loans across Kentucky, Indiana, and Florida, including conventional and VA loans. The team uses technology to keep borrowers informed throughout the process, and customers appreciate their persistence and clear communication, even when challenges arise.
Lenders made 10,659 home-purchase loans in Jefferson County in 2025 (average about $334,000) and denied 1,314 — 11% of decided applications, compared with 21% across Kentucky, according to federal mortgage data (HMDA, CFPB). In Louisville, the median home is worth $233,900 and 64% of owners have a mortgage, paying a median $1,555 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Jefferson 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 | Swan Financial Corporation | 4.8 | 409 | — | (502) 753-1300 | Visit |
| 2 | Broker House Lending | Mortgage Brokers | Louisville KY | 5.0 | 353 | Quoted per loan | (502) 742-1502 | Visit |
| 3 | First Fidelity Mortgage, Inc | 5.0 | 242 | — | (502) 657-4299 | Visit |
| 4 | LightPoint Mortgage Company, Inc. | 5.0 | 199 | Quoted per loan | (502) 565-2511 | Visit |
| 5 | Wholesale Mortgage Source | 5.0 | 156 | Quoted per loan | (502) 738-1003 | Visit |
| 6 | Vanguard Mortgage | 5.0 | 153 | Quoted per loan | (502) 755-7456 | Visit |
| 7 | Homestretch Mortgage | 5.0 | 146 | Quoted per loan | (502) 409-5290 | Visit |
| 8 | Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA | 4.9 | 95 | — | (502) 905-3708 | Visit |
| 9 | Pinnacle Mortgage | 5.0 | 69 | — | (502) 414-3881 | Visit |
| 10 | American Mortgage Solutions - Mortgage Broker in Louisville KY | 4.8 | 69 | — | (502) 327-9770 | 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.