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Review Keywords Analysis

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

Mortgage Affordability Calculator Baton Rouge, LA

How much house can you afford in Baton Rouge? 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 Baton Rouge

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

1

DSLD Mortgage

With over 15 years of experience and a focus on veterans, DSLD Mortgage offers a range of home loan options including VA, FHA, USDA, and conventional mortgages. The team provides resources like first-time homebuyer courses and aims to simplify the mortgage process, though some clients have found communication and timing to be inconsistent.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Credit Evaluation Quoted per loan
View Profile
(225) 664-0360
Open 8:00 AM - 5:00 PM
7660 Pecue Ln Suite 300, Baton Rouge, LA 70809
General Services
Mortgage Lending
2

Assurance Financial - Baton Rouge

Assurance Financial is known for guiding clients through complex mortgage situations, including condo financing that other lenders may hesitate to handle. The team offers home purchase and refinancing services, with a focus on clear communication and detailed explanations. Customers appreciate their responsiveness and thoroughness throughout the process.

View Profile
(225) 218-9746
Open 9:00 AM - 5:00 PM
9029 Jefferson Hwy Ste 100, Baton Rouge, LA 70809
3

GMFS Mortgage - Baton Rouge

About GMFS MortgageGMFS Mortgage is a distinguished residential mortgage lending company headquartered in Baton Rouge, LA. Since its inception in 1999, the company has established itself as a leader in the mortgage industry, assisting over 150,000 individuals in becoming homeowners across 23 states. GMFS Mortgage prides itself on a customer-centric approach, offering a comprehensive suite of… more...

About GMFS MortgageGMFS Mortgage is a distinguished residential mortgage lending company headquartered in Baton Rouge, LA. Since its inception in 1999, the company has established itself as a leader in the mortgage industry, assisting over 150,000 individuals in becoming homeowners across 23 states. GMFS Mortgage prides itself on a customer-centric approach, offering a comprehensive suite of mortgage solutions tailored to meet diverse financial needs. Their mission is to provide a seamless and supportive homeownership journey, underpinned by a commitment to integrity, efficiency, and client satisfaction. The company boasts a team of highly experienced professionals, averaging 14+ years in the industry, dedicated to delivering exceptional service and expert guidance.Industry ExpertiseGMFS Mortgage holds a strong reputation for reliability and trustworthiness, evidenced by its A+ rating from the Better Business Bureau (BBB) and the Torch Award for Marketplace Trust. This recognition highlights their consistent dedication to ethical business practices and outstanding customer service. The company's operational model, where processing and closing occur under one roof, minimizes potential issues and ensures a smoother transaction for clients. Their commitment to excellence is further demonstrated by a 4.76 out of 5-star rating based on over 1000 reviews, reflecting high levels of customer satisfaction and confidence in their services.GMFS Mortgage OffersGMFS Mortgage provides an extensive array of mortgage loan options designed to accommodate various borrower profiles and financial objectives. These include Conventional Fixed Rate Loans for creditworthy borrowers, FHA Loans for first-time homebuyers with lower down payment requirements, and VA Loans offering exclusive benefits to veterans and active-duty military personnel. They also offer specialized Construction & Renovation Loans for building or improving homes, USDA Loans for properties in eligible rural areas, and Jumbo Express Loans for high-value properties. Additionally, GMFS Mortgage provides Refinancing Options to help homeowners lower interest rates or adjust loan terms, ensuring a suitable solution for nearly every home financing need.Unique AdvantagesGMFS Mortgage distinguishes itself through its established history, having helped over 150,000 people become homeowners since 1999. Their efficient, in-house processing and closing system streamlines the mortgage journey, reducing complications. The company is recognized for its trustworthiness, holding an A+ BBB rating and a Torch Award for Marketplace Trust. Furthermore, their team's average of 14+ years of industry experience ensures clients receive expert guidance and dedicated support throughout the home financing process.

View Profile
(225) 214-5000
Open 8:00 AM - 5:00 PM
7389 Florida Blvd, Baton Rouge, LA 70806
4

Synergy One Lending

Known for responsive and patient communication, Synergy One Lending helps clients navigate the complexities of home financing with clear guidance and steady support. The team handles everything from paperwork to employment verification, making the process smoother even during stressful moments. Customers appreciate their genuine care and consistent updates throughout the loan journey.

View Profile
(225) 266-7441
Open 8:00 AM - 5:00 PM
4561 Durham Pl C, Baton Rouge, LA 70816
5

Jamie Taylor - The Mortgage Firm | NMLS 80654

Licensed under NMLS 80654, The Mortgage Firm has been simplifying home loans since 2007 with a personalized approach that focuses on each client’s unique financial situation. They offer a range of mortgage products for buying and refinancing, supported by helpful resources and clear communication. Customers appreciate the team’s knowledge and how smoothly the process runs.

View Profile
(225) 208-8070
Open 9:00 AM - 6:00 PM
4520 Jamestown Ave Unit 4, Baton Rouge, LA 70808
Where they are 10 on the map Click a pin for the profile and directions
6

Area Home Lending

Area Home Lending is known for its responsive communication and attentive service throughout the home loan process. The team offers mortgage lending with clear guidance and quick turnaround, helping clients navigate market complexities with patience and care. Some customers note occasional delays but appreciate the personalized support and smooth closings.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(225) 663-2500
Open 8:00 AM - 5:30 PM
1737 Oakdale Dr, Baton Rouge, LA 70810
General Services
Home Mortgage Lending
7

Redstick Financial, Inc

Known for making the mortgage process clear and stress-free, Redstick Financial focuses on personalized loan services for first-time and repeat homebuyers. The team guides clients through each step with patience and responsiveness, often going beyond regular hours to keep communication open. Customers appreciate their thoroughness and support throughout the home-buying journey.

Services & Prices
Property Listings and Marketing $200 - $500
Open House Coordination $100 - $300
Buyer Representation $150 - $400
View Profile
(225) 407-9250
Open 9:00 AM - 5:00 PM
11918 Bricksome Ave Ste F, Baton Rouge, LA 70816
General Services
Realtor Services
8

Amanda Blakeney

Known for clear communication and patient guidance, this mortgage broker helps clients navigate home financing with ease. The team assists with purchase loans, refinancing, and various government-backed programs, making complex terms understandable. Customers appreciate the attentive support throughout the process, though some note the pace can vary depending on loan specifics.

View Profile
(225) 490-6649
Open 8:00 AM - 5:00 PM
7389 Florida Blvd, Baton Rouge, LA 70806
9

Royal Tee Lending Group - Mortgage Broker

Royal Tee Lending Group is known for its transparent and consistent approach to helping clients navigate the home buying process. The team offers mortgage brokerage services with a focus on clear communication and personal support, often going beyond typical expectations. Customers appreciate their friendly, punctual service and the reassurance provided throughout each step.

View Profile
(225) 800-8818
Open 9:00 AM - 5:00 PM
804 Main St, Baton Rouge, LA 70802
10

Turn Key Mortgage of Louisiana, LLC

Turn Key Mortgage of Louisiana, LLC is known for its personalized approach and strong client relationships built on trust and clear communication. The team specializes in guiding clients through mortgage processes with detailed explanations and attentive support, helping many close quickly even after complex situations. Customers appreciate their professionalism and availability throughout each… more...

Turn Key Mortgage of Louisiana, LLC is known for its personalized approach and strong client relationships built on trust and clear communication. The team specializes in guiding clients through mortgage processes with detailed explanations and attentive support, helping many close quickly even after complex situations. Customers appreciate their professionalism and availability throughout each step.

Services & Prices
Loan Pre-Approval Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(225) 349-8448
Open 9:00 AM - 5:00 PM
12016 Justice Ave, Baton Rouge, LA 70816
General Services
Mortgage Services

Baton Rouge Mortgage Statistics

Home-purchase lending in East Baton Rouge Parish and home costs in Baton Rouge, LA (latest HMDA and Census data)

Lenders made 4,367 home-purchase loans in East Baton Rouge Parish in 2025 (average about $281,000) and denied 718 — 14% of decided applications, compared with 26% across Louisiana, according to federal mortgage data (HMDA, CFPB). In Baton Rouge, the median home is worth $234,700 and 56% of owners have a mortgage, paying a median $1,668 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
4,3670%4,388 in 2024
Denial rate
14%LA 26%
Median home value
$234,700LA $216,500
Monthly cost with a mortgage
$1,668median · LA $1,604
Refinance loans made (East Baton Rouge Parish, 2025)
1,798 · 1,375 in 2024
Home-improvement loans made (2025)
386
Average home-purchase loan
$281,000 (LA $256,000)
Owners with a mortgage
56% · 29% of them spend 30%+ of income on housing
Median household income
$49,994 (LA $60,756)

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

Baton Rouge Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 DSLD Mortgage 4.8 757 Quoted per loan (225) 664-0360 Visit
2 Assurance Financial - Baton Rouge 5.0 608 — (225) 218-9746 Visit
3 GMFS Mortgage - Baton Rouge 4.4 332 — (225) 214-5000 Visit
4 Synergy One Lending 4.9 236 — (225) 266-7441 Visit
5 Jamie Taylor - The Mortgage Firm | NMLS 80654 5.0 111 — (225) 208-8070 Visit
6 Area Home Lending 4.9 111 Quoted per loan (225) 663-2500 Visit
7 Redstick Financial, Inc 5.0 67 $100 (225) 407-9250 Visit
8 Amanda Blakeney 5.0 62 — (225) 490-6649 Visit
9 Royal Tee Lending Group - Mortgage Broker 5.0 57 — (225) 800-8818 Visit
10 Turn Key Mortgage of Louisiana, LLC 5.0 43 Quoted per loan (225) 349-8448 Visit

How this Baton Rouge 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.

Louisiana 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 0.56% of the home's value a year, the Louisiana 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 for Baton Rouge work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability estimate?
It's a general estimate. For accuracy, a lender must verify your income, debts, credit, and down payment during pre-approval.
What is the debt-to-income ratio for mortgages in Louisiana?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What is the minimum down payment for a mortgage in Baton Rouge?
First-time buyers need at least 3% for conventional loans or 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How do interest rates affect how much house I can afford?
Higher rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do debts impact my mortgage qualification?
More monthly debt payments reduce the amount you can borrow, as lenders cap total debt payments at 43% of income.
What are property taxes like in Louisiana?
Property tax is about 0.56% of the home's value annually for owner-occupied homes, based on 2024 averages.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of your financials, while pre-qualification is a preliminary estimate without verification.
What role does a mortgage broker play?
A mortgage broker helps find and negotiate loan options from various lenders, tailored to your financial situation.

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