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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Kentucky
  4. Louisville
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Louisville, KY

How much house can you afford in Louisville? 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 Louisville

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

1

Swan Financial Corporation

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.

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(502) 753-1300
Open 9:00 AM - 7:00 PM
320 Whittington Pkwy #106, Louisville, KY 40222
2

Broker House Lending | Mortgage Brokers | Louisville KY

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.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(502) 742-1502
Open 8:30 AM - 9:00 PM
11400 Shelbyville Rd, Louisville, KY 40243
General Services
Mortgage Services
3

First Fidelity Mortgage, Inc

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.

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(502) 657-4299
Open 9:00 AM - 6:00 PM
13117 Eastpoint Park Blvd Ste A, Louisville, KY 40223
4

LightPoint Mortgage Company, Inc.

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.

Services & Prices
First Time Home Buyer Assistance Quoted per loan
Mortgage Rate Locking Quoted per loan
View Profile
(502) 565-2511
Open 8:30 AM - 6:00 PM
161 St Matthews Ave STE 10, Louisville, KY 40207
General Services
Mortgage Services
5

Wholesale Mortgage Source

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Self-Employed Mortgages Quoted per loan
View Profile
(502) 738-1003
Open 6:00 AM - 10:30 PM
12700 Townepark Way Ste 303, Louisville, KY 40243
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Vanguard Mortgage

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.

Services & Prices
First Time Home Buyer Assistance Quoted per loan
Mortgage Pre-Approval Quoted per loan
Closing Cost Assistance Quoted per loan
View Profile
(502) 755-7456
Open 00:00 - 23:59
1300 Clear Springs Trce Ste 2, Louisville, KY 40223
General Services
Mortgage Lending
7

Homestretch Mortgage

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Mortgage Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(502) 409-5290
Open 00:00 - 23:59
1101 Central Ave, Louisville, KY 40208
General Services
Mortgage Services
8

Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

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.

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(502) 905-3708
Open 7:30 AM - 10:00 PM
10602 Timberwood Cir STE 3, Louisville, KY 40223
9

Pinnacle Mortgage

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.

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(502) 414-3881
Open 00:00 - 23:59
331 Townepark Cir Ste 200, Louisville, KY 40243
10

American Mortgage Solutions - Mortgage Broker in Louisville KY

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.

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(502) 327-9770
Open 8:00 AM - 9:00 PM
9900 Corporate Campus Dr #3000, Louisville, KY 40223

Louisville Mortgage Statistics

Home-purchase lending in Jefferson County and home costs in Louisville, KY (latest HMDA and Census data)

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).

Home-purchase loans, 2025
10,659▲ 6%10,034 in 2024
Denial rate
11%KY 21%
Median home value
$233,900KY $205,600
Monthly cost with a mortgage
$1,555median · KY $1,433
Refinance loans made (Jefferson County, 2025)
5,125 · 3,834 in 2024
Home-improvement loans made (2025)
1,617
Average home-purchase loan
$334,000 (KY $283,000)
Owners with a mortgage
64% · 25% of them spend 30%+ of income on housing
Median household income
$66,849 (KY $63,726)

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.

Louisville Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Louisville 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.

Kentucky 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 0.72% of the home's value a year, the Kentucky 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 Louisville mortgage affordability calculator work?
It estimates the highest home price you can qualify for using income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage estimate from this calculator?
It's a general estimate; pre-approval confirms real numbers by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Kentucky?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What's the minimum down payment for first-time buyers in Louisville?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How do interest rates affect mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford; rates change weekly.
How do monthly debts impact how much mortgage I can get?
Higher monthly debts reduce the mortgage amount you can qualify for, as they affect your debt-to-income ratio.
What is the property tax rate in Kentucky?
The property tax rate is about 0.72% of the home's value per year.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying financial details for a firm offer; pre-qualification is a preliminary estimate.
How does PMI affect my mortgage in Louisville?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan annually, removable below 80% balance.

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