How much house can you afford in Worcester? 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 |
|---|
Envoy Mortgage - Worcester, MA
5.0 · 409 reviews · Free pre-approval
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Guild Mortgage - Trevor McFarland
5.0 · 376 reviews · Free pre-approval
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Guild Mortgage - Chad Rankin - Home Loan Expert
5.0 · 229 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 →
Envoy Mortgage in Worcester is known for providing a smooth and informative mortgage process, with a team that is patient and thorough. They offer attentive support throughout home financing, and customers appreciate their honesty and availability, though some note the process can take time.
Guild Mortgage - Trevor McFarland specializes in renovation financing and offers a range of residential loan products, including FHA loans and down payment assistance programs. The team is known for clear communication and strong support throughout the homebuying process, though some clients have noted occasional delays during certain steps.
Guild Mortgage specializes in a broad range of home loan options, including VA loans and down payment assistance, aimed at helping diverse buyers achieve homeownership. The team provides clear, responsive guidance throughout the process, with local processing that adds convenience. Customers appreciate their thoroughness and availability, though response times can vary.
Known for a client-centric approach, Loans With Larry offers personalized guidance throughout the mortgage application process. The team helps clients find mortgage programs suited to their financial situations and homeownership goals. Customers appreciate their clear communication and responsiveness, noting the process feels smooth and manageable from start to finish.
Intuitive Mortgage specializes in simplifying the mortgage process with a focus on clear communication and timely loan closings. The team assists a variety of clients, from first-time buyers to those refinancing or investing, providing transparent guidance and competitive rates. Customers appreciate their responsiveness and ability to ease stressful situations.
This branch focuses on providing attentive and personable mortgage services, aiming to simplify the home-buying process. The team handles loan applications with care, helping customers navigate financing options efficiently. While many appreciate the fast and friendly service, some have expressed concerns about specific loan officers.
New American Funding stands out for its focus on supporting underserved communities, especially through programs like Latino Focus and Pathway to Homeownership. They offer a range of mortgage products including VA loans, adjustable-rate, and fixed-rate mortgages, along with unique options like NAF Cash for competitive buying. Customers appreciate the team’s clear communication and helpful… more...
New American Funding stands out for its focus on supporting underserved communities, especially through programs like Latino Focus and Pathway to Homeownership. They offer a range of mortgage products including VA loans, adjustable-rate, and fixed-rate mortgages, along with unique options like NAF Cash for competitive buying. Customers appreciate the team’s clear communication and helpful guidance throughout the loan process.
Elite Financial Group Inc specializes in mortgage brokering for purchases and refinancing, with a team known for their efficiency and knowledge in the Worcester area. They handle various mortgage needs and have repeat clients who appreciate their service. Some reviews raise concerns about foreclosure practices, so prospective customers may want to research carefully.
With over 60 years of experience, Guild Mortgage specializes in a wide range of home financing options, including VA, Jumbo, FHA, and renovation loans. Their community-based loan officers combine local knowledge with national resources to guide borrowers through the mortgage process. Customers often highlight the team’s responsiveness and support, especially during challenging situations.
Guild Mortgage: Your Home Financing PartnerGuild Mortgage is a leading national mortgage lender dedicated to helping individuals and families achieve homeownership. With a strong commitment to customer service and a comprehensive range of loan products, Guild Mortgage strives to make the home buying and refinancing process as smooth and accessible as possible. The company prides itself on its… more...
Guild Mortgage: Your Home Financing PartnerGuild Mortgage is a leading national mortgage lender dedicated to helping individuals and families achieve homeownership. With a strong commitment to customer service and a comprehensive range of loan products, Guild Mortgage strives to make the home buying and refinancing process as smooth and accessible as possible. The company prides itself on its experienced team of loan officers who provide personalized guidance and support throughout the entire mortgage journey. Guild Mortgage emphasizes integrity, transparency, and a customer-centric approach, aiming to build lasting relationships based on trust and satisfaction. Their mission is to empower borrowers with the knowledge and resources needed to make informed decisions about their home financing.Awards & RecognitionGuild Mortgage has consistently been recognized for its excellence in the mortgage industry. The company has received accolades such as being named a Top Mortgage Lender, reflecting its strong performance and market presence. These awards underscore Guild Mortgage's dedication to providing exceptional service and competitive loan solutions. Their commitment to quality is further evidenced by high customer satisfaction ratings across various platforms, including Zillow, Experience.com, and Google. These testimonials highlight the professionalism, knowledge, and efficiency of their loan officers, reinforcing Guild Mortgage's reputation as a trusted partner in home financing.Guild Mortgage ServicesGuild Mortgage offers a diverse portfolio of mortgage products designed to cater to a wide array of borrower needs. This includes options for first-time homebuyers, those looking to refinance, and individuals seeking specialized loan programs. Key offerings include conventional loans, FHA loans, VA loans, and USDA loans, as well as options for down payment assistance and relocation. They also provide tools like mortgage calculators and pre-approval services to help borrowers understand their options and prepare for the application process. Guild Mortgage serves various markets, including high-cost areas, and supports borrowers through every step, from initial inquiry to closing.Verifiable DifferentiatorsGuild Mortgage distinguishes itself through its extensive network of branches and loan officers across the nation, ensuring local expertise and personalized service. The company actively engages in community initiatives through its Guild Giving program, demonstrating a commitment beyond financial services. Furthermore, Guild Mortgage consistently earns high customer satisfaction ratings, with many loan officers achieving near-perfect scores based on numerous reviews, highlighting their dedication to client success.
Lenders made 8,895 home-purchase loans in Worcester County in 2025 (average about $479,000) and denied 824 — 8% of decided applications, compared with 9% across Massachusetts, according to federal mortgage data (HMDA, CFPB). In Worcester, the median home is worth $374,400 and 67% of owners have a mortgage, paying a median $2,216 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Worcester 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 | Envoy Mortgage - Worcester, MA | 5.0 | 409 | — | (508) 635-5422 | Visit |
| 2 | Guild Mortgage - Trevor McFarland | 5.0 | 376 | — | (603) 801-0640 | Visit |
| 3 | Guild Mortgage - Chad Rankin - Home Loan Expert | 5.0 | 229 | — | (508) 417-7740 | Visit |
| 4 | Loans With Larry | 5.0 | 100 | Quoted per loan | (774) 249-9309 | Visit |
| 5 | Intuitive Mortgage - Jason Bibeau, Mortgage Broker | 5.0 | 16 | — | (508) 341-4784 | Visit |
| 6 | Branch | Worcester, MA # 2531, 2540 | 4.6 | 10 | — | (508) 792-0360 | Visit |
| 7 | New American Funding - Worcester, MA | 5.0 | 6 | — | (508) 755-9881 | Visit |
| 8 | Elite Financial Group Inc | 4.3 | 6 | — | (508) 798-8117 | — |
| 9 | Guild Mortgage Company | 5.0 | 4 | — | (508) 535-6097 | Visit |
| 10 | Guild Mortgage - Mark Shea | 5.0 | 1 | — | (508) 556-7774 | 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.