How much house can you afford in Baltimore? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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 |
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Federal Hill Mortgage
4.9 · 571 reviews · Free pre-approval
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Taylor Paff - Preferred Home Loans
5.0 · 106 reviews · Free pre-approval
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The Pamela Vroman Team of Direct Mortgage Loans
4.9 · 100 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 →
Federal Hill Mortgage specializes in a wide range of loan products, including conventional, jumbo, FHA, VA, and renovation loans, with a focus on helping first-time buyers and self-employed clients. The team is praised for clear communication and thorough guidance throughout the loan process, though some find their approach occasionally demanding.
Preferred Home Loans specializes in a wide range of mortgage products, including conventional, FHA, VA, renovation, and commercial loans. Since 2019, the team has focused on making the mortgage process clear and accessible, with clients appreciating their responsiveness and straightforward communication throughout each transaction.
The Pamela Vroman Team specializes in mortgage solutions for first-time homebuyers, veterans, military personnel, investors, and those refinancing or upgrading their homes. Backed by a national lender, the team offers licensed, professional guidance throughout the loan process, with clients appreciating their clear communication, patience, and supportive approach.
With over two decades of experience, Bob Marousek at American Pacific Mortgage focuses on guiding both first-time buyers and seasoned investors through a variety of loan options, including conventional, FHA, and renovation loans. Clients appreciate the team’s clear communication and responsiveness throughout the mortgage process, helping them feel informed and supported.
CrossCountry Mortgage offers a broad range of loan products, including conventional, VA, FHA, and construction loans, with programs designed for first-time buyers and investors alike. Customers appreciate the team’s clear communication, responsiveness, and willingness to explore all options, though some find the process challenging when unique situations arise.
First Access Lending specializes in personalized mortgage solutions, reviewing hundreds of options to fit each client’s unique financial goals. They assist with home equity access, cash-out refinancing, and first-time homebuyer support, with a focus on clear communication and education. Some clients note fees associated with credit products, but many appreciate the team’s responsiveness and… more...
First Access Lending specializes in personalized mortgage solutions, reviewing hundreds of options to fit each client’s unique financial goals. They assist with home equity access, cash-out refinancing, and first-time homebuyer support, with a focus on clear communication and education. Some clients note fees associated with credit products, but many appreciate the team’s responsiveness and guidance.
Known for clear communication and a wide range of loan options, Jeff Gunther and the PRMI team help clients navigate home financing with personalized guidance. They assist with purchases, refinancing, and investment loans, providing tools like a mortgage calculator to simplify planning. Customers appreciate their professionalism and responsiveness throughout the process.
First Home Mortgage (NMLS 1744172) specializes in guiding first-time homebuyers through a clear and accessible mortgage process. The team offers a range of home financing options, including purchase, refinance, renovation, and construction loans, supported by helpful online tools. Clients appreciate their responsiveness and detailed explanations, though some note the process can still feel… more...
First Home Mortgage (NMLS 1744172) specializes in guiding first-time homebuyers through a clear and accessible mortgage process. The team offers a range of home financing options, including purchase, refinance, renovation, and construction loans, supported by helpful online tools. Clients appreciate their responsiveness and detailed explanations, though some note the process can still feel complex.
Known for securing competitive rates, Annapolis First Mortgage specializes in home purchase and refinancing loans, including FHA, VA, Conventional, Jumbo, and investment property financing. Clients appreciate the team’s clear communication and smooth process, though some note paperwork can be extensive during complex transactions.
Known for guiding first-time homebuyers through competitive local markets, Best Loan Choice offers a range of mortgage programs with a focus on clear communication and quick approvals. The team is praised for responsiveness and helping clients understand financing strategies, though some may find the process detailed. They also assist with refinancing.
Lenders made 6,214 home-purchase loans in Baltimore City County in 2025 (average about $267,000) and denied 1,069 — 15% of decided applications, compared with 11% across Maryland, according to federal mortgage data (HMDA, CFPB). In Baltimore, the median home is worth $229,600 and 68% of owners have a mortgage, paying a median $1,789 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Baltimore City 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 | Federal Hill Mortgage | 4.9 | 571 | Quoted per loan | (800) 551-9198 | Visit |
| 2 | Taylor Paff - Preferred Home Loans | 5.0 | 106 | — | (443) 931-8808 | Visit |
| 3 | The Pamela Vroman Team of Direct Mortgage Loans | 4.9 | 100 | — | (410) 878-9744 | Visit |
| 4 | Bob Marousek - American Pacific Mortgage | 5.0 | 86 | Quoted per loan | (443) 779-7799 | Visit |
| 5 | Justin McManus - CrossCountry Mortgage | 5.0 | 74 | Quoted per loan | (301) 502-3798 | Visit |
| 6 | First Access Lending | 4.9 | 75 | Quoted per loan | (888) 885-7789 | Visit |
| 7 | Jeff Gunther | 5.0 | 38 | — | (410) 844-4602 | Visit |
| 8 | Jack Hinder- First Home Mortgage (NMLS 1744172) | 5.0 | 35 | Quoted per loan | (443) 752-5779 | Visit |
| 9 | Annapolis First Mortgage LLC | 4.8 | 17 | Quoted per loan | (240) 744-1717 | Visit |
| 10 | Best Loan Choice | 5.0 | 15 | $200 | (800) 931-5510 | 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.