How much house can you afford in Boston? 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 |
|---|
Sammy Iliopoulos - Senior Loan Officer
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
Savvas Fetfatsidis at Guaranteed Rate (NMLS #35213)
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
Brian Cavanaugh - Mortgage Network, Inc. NMLS#441864
4.9 · 100 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 →
Specializing in a wide range of loan options including conventional, jumbo, FHA, VA, and renovation loans, this team focuses on clear communication and upfront visibility of closing costs. Customers appreciate their patience, responsiveness, and detailed guidance throughout the mortgage process, though some note the market’s volatility can affect timelines.
Known for prioritizing the customer experience in mortgage lending, Guaranteed Rate (NMLS #35213) focuses on clear communication and efficient online processing. The team offers mortgage pre-approvals, competitive rates, and guidance through every step, with clients appreciating their responsiveness and straightforward approach.
Brian Cavanaugh - Mortgage Network, Inc. NMLS#441864 specializes in personalized mortgage financing and refinancing solutions, serving families and first-time buyers in the Boston South Shore area. The team is known for clear communication, accessibility, and guiding clients through each step of the home buying or refinancing process. Customers appreciate their responsiveness and ongoing support… more...
Brian Cavanaugh - Mortgage Network, Inc. NMLS#441864 specializes in personalized mortgage financing and refinancing solutions, serving families and first-time buyers in the Boston South Shore area. The team is known for clear communication, accessibility, and guiding clients through each step of the home buying or refinancing process. Customers appreciate their responsiveness and ongoing support beyond closing.
Own Up uses technology to create a personalized mortgage shopping experience, allowing customers to compare offers from multiple lenders online. Their Home Advisors provide independent, clear guidance throughout the process, which many clients find helpful—especially first-time buyers—though some note limited lender options for second mortgages.
MDO Mortgage holds a mortgage broker license (MB#1986484) and is known for guiding first-time homebuyers through the loan process with clear explanations and responsive support. The team offers a range of home loan options, often helping clients close quickly while addressing any challenges along the way. Customers appreciate their patience and personalized attention throughout each step.
Licensed as a mortgage broker (NMLS #1880655), this team specializes in guiding first-time buyers and homeowners through financing options for purchases and refinancing. They offer clear explanations and stay accessible throughout the process, helping clients feel informed and confident, though some may find the pace thorough.
Security First Mortgage Funding LLC focuses on guiding clients through home loan options with clear communication and ongoing support. The team handles residential lending and refinancing, often praised for responsiveness and making the process smooth. Some clients note occasional delays, but overall the service is described as helpful and accessible.
William Raveis Real Estate in Boston Back Bay offers a full range of services for buying, selling, and renting homes, supported by a large network of experienced agents. Clients appreciate the team’s local knowledge and helpful insights, though some have noted concerns about communication and commission handling in certain cases.
For a 15-year fixed-rate mortgage, the interest rate is 5.99% (6.4977% APR). This amount includes 2.00 points ($4,000.00) at closing. Monthly payments would be $1,686.64 for a mortgage of $200,000 The monthly payment is not inclusive of taxes or insurance premiums. The actual payment will be higher. The payment assumes that the loan-to-value ratio (LTV), is 74.91%. Rates for mortgages can change… more...
For a 15-year fixed-rate mortgage, the interest rate is 5.99% (6.4977% APR). This amount includes 2.00 points ($4,000.00) at closing. Monthly payments would be $1,686.64 for a mortgage of $200,000 The monthly payment is not inclusive of taxes or insurance premiums. The actual payment will be higher. The payment assumes that the loan-to-value ratio (LTV), is 74.91%. Rates for mortgages can change frequently. Your individual circumstances and the current rate will affect your actual payments. These rates are valid as of the publication date on September 22, 2022, from qualified participants in LMB Provider Network. 30-Year Fixed Rate Mortgage: A fixed-rate mortgage at 6.50% (6.75% APR). This is in addition to the closing cost of 2.00 points ($4,000.00). Monthly payments would be $1,264.14 for a mortgage of $200,000 This monthly payment doesn't include insurance premiums or taxes. The actual monthly payment will be higher. The payment assumes that the loan-to-value ratio (LTV), is 74.91%. Rates for mortgages can change frequently. Your individual circumstances and the current rate will affect your actual payments. These rates are valid as of the publication date on September 22, 2022, from qualified participants in LMB Provider Network. These borrowers can pay off their mortgage much quicker than traditional 30-year mortgages. In addition, the interest rates for shorter-term usually lower than those on 30-year mortgages. More information can be found at https://www.quickenloans.com/mortgage-options/fixed-home-loans.
Transcend Mortgage Inc. is a mortgage firm based in Malden MA. Our specialties include Conventional, FHA, and Home Purchase Loans. Our services extend to the rest of Middlesex County. We can assist you in buying or refinancing a house within the ZIP code 02148. Our refinance offerings are tailored to meet local borrower needs. We can help you if you are looking to get cash out or a longer term… more...
Transcend Mortgage Inc. is a mortgage firm based in Malden MA. Our specialties include Conventional, FHA, and Home Purchase Loans. Our services extend to the rest of Middlesex County. We can assist you in buying or refinancing a house within the ZIP code 02148. Our refinance offerings are tailored to meet local borrower needs. We can help you if you are looking to get cash out or a longer term and a lower rate. The following programs are available for refinancing: Transcend Mortgage Inc is unique because we also offer these niche programs: Investment No Income Doc, Non-QM, and Investment No Income Doc.
Lenders made 5,447 home-purchase loans in Suffolk County in 2025 (average about $750,000) and denied 673 — 11% of decided applications, compared with 9% across Massachusetts, according to federal mortgage data (HMDA, CFPB). In Boston, the median home is worth $731,700 and 70% of owners have a mortgage, paying a median $2,986 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Suffolk 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 | Sammy Iliopoulos - Senior Loan Officer | 5.0 | 100 | Quoted per loan | (617) 532-3965 | Visit |
| 2 | Savvas Fetfatsidis at Guaranteed Rate (NMLS #35213) | 5.0 | 100 | Quoted per loan | (617) 532-2005 | Visit |
| 3 | Brian Cavanaugh - Mortgage Network, Inc. NMLS#441864 | 4.9 | 100 | Quoted per loan | (617) 771-5021 | Visit |
| 4 | Own Up | 4.9 | 100 | Quoted per loan | (844) 947-2848 | Visit |
| 5 | MDO Mortgage -Mortgage Broker MB#1986484 | 5.0 | 93 | Quoted per loan | (617) 665-7155 | Visit |
| 6 | Geovanne Colon, Mortgage Broker NMLS #1880655 | 5.0 | 22 | Quoted per loan | (617) 821-1757 | Visit |
| 7 | Security First Mortgage Funding LLC | 5.0 | 6 | Quoted per loan | (617) 536-0600 | Visit |
| 8 | William Raveis Real Estate - Boston Back Bay | 3.5 | 8 | $150 | (617) 266-5200 | Visit |
| 9 | Equivest Mortgage | 5.0 | 4 | — | (888) 406-2118 | Visit |
| 10 | Transcend Mortgage Inc | 5.0 | 1 | — | (781) 526-4166 | 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.