How much house can you afford in Grand Rapids? 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 |
|---|
Treadstone Funding | Neighborhood Loans
4.8 · 2331 reviews · Free pre-approval
Get pre-approved →
Riverbank Finance LLC
4.9 · 1009 reviews · Free pre-approval
Get pre-approved →
VanDyk Mortgage Corporation
4.9 · 921 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 →
Known for quickly resolving challenging home loan situations, Treadstone Funding | Neighborhood Loans helps buyers and sellers navigate financing with clear communication and responsiveness. Their team assists with mortgage lending and is appreciated for accommodating tight schedules and answering questions throughout the process. Some clients note a busy team but praise their dedication.
Riverbank Finance specializes in comparing mortgage rates from over 20 wholesale lenders to secure competitive home loan options. Their licensed loan officers guide clients through purchases, refinancing, and specialized loans like FHA, VA, and investor programs. Customers appreciate the clear communication and personalized support throughout the process.
With over 35 years of collective experience and licensing in 48 states, VanDyk Mortgage specializes in a wide range of home loan options, including conventional, FHA, VA, and USDA loans. The team provides helpful tools and resources to guide borrowers through the process, and clients appreciate their supportive, informative approach—though some note the process can feel overwhelming at times.
Known for clear communication and steady support throughout the home loan process, Team Mortgage Company, LLC helps clients secure financing for purchases and refinancing. The agents focus on making the experience smooth and manageable, with customers appreciating their responsiveness and patience even during challenging moments.
Heartland Home Mortgage is known for clear, detailed communication and a straightforward approach that many clients appreciate. The team offers mortgage and refinance services, taking time to answer questions and guide customers through the process. While some find the experience refreshingly honest, others note the pace can feel quick at times.
With over 160 years of combined experience, Mortgage 1 specializes in guiding families through home purchases, refinancing, and home equity lines of credit. Their team focuses on clear communication and personalized support, helping clients understand their options. Customers appreciate their professionalism and responsiveness throughout the mortgage process.
Known for making the home buying process as stress-free as possible, West Michigan Mortgage offers responsive and friendly mortgage brokerage services. The team provides clear communication and support throughout, helping clients feel informed and cared for. Some customers note the experience depends on which agent they work with.
My City Home Loans focuses exclusively on mortgage lending, offering a variety of loan programs including specialized options like Doctor Loans and the My Hero Program. The team guides clients through purchase and refinance processes with clear communication and a streamlined approach, though some may find the range of choices a bit overwhelming at first.
Known for their honesty and accessibility, Lake State Mortgage focuses on guiding clients through mortgage and refinance processes with clear communication and support. The team handles everything from initial financing to securing competitive rates, and customers appreciate their patience and willingness to explain each step. Some find the mortgage process itself challenging, but the agents… more...
Known for their honesty and accessibility, Lake State Mortgage focuses on guiding clients through mortgage and refinance processes with clear communication and support. The team handles everything from initial financing to securing competitive rates, and customers appreciate their patience and willingness to explain each step. Some find the mortgage process itself challenging, but the agents strive to make it as smooth as possible.
Priority Home Mortgage stands out for its direct lending with in-house underwriting, which helps speed up approvals and keeps communication clear. They offer a wide range of mortgage options, including conventional, FHA, VA, jumbo, and specialized non-QM loans. Clients appreciate the team’s responsiveness and personal attention throughout the loan process, though some may find the variety of… more...
Priority Home Mortgage stands out for its direct lending with in-house underwriting, which helps speed up approvals and keeps communication clear. They offer a wide range of mortgage options, including conventional, FHA, VA, jumbo, and specialized non-QM loans. Clients appreciate the team’s responsiveness and personal attention throughout the loan process, though some may find the variety of programs a bit overwhelming at first.
Lenders made 7,408 home-purchase loans in Kent County in 2025 (average about $343,000) and denied 1,378 — 16% of decided applications, compared with 16% across Michigan, according to federal mortgage data (HMDA, CFPB). In Grand Rapids, the median home is worth $244,500 and 66% of owners have a mortgage, paying a median $1,393 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Kent 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 | Treadstone Funding | Neighborhood Loans | 4.8 | 2331 | Quoted per loan | (616) 774-9160 | Visit |
| 2 | Riverbank Finance LLC | 4.9 | 1009 | Quoted per loan | (800) 555-2098 | Visit |
| 3 | VanDyk Mortgage Corporation | 4.9 | 921 | — | (888) 482-6395 | Visit |
| 4 | Team Mortgage Company, LLC | 5.0 | 415 | Quoted per loan | (616) 974-9710 | Visit |
| 5 | Heartland Home Mortgage | 4.8 | 383 | Quoted per loan | (877) 350-0007 | Visit |
| 6 | Mortgage 1 Inc. | 5.0 | 316 | Quoted per loan | (616) 957-3480 | Visit |
| 7 | West Michigan Mortgage | 4.9 | 258 | Quoted per loan | (616) 330-5933 | Visit |
| 8 | My City Home Loans | 4.9 | 254 | Quoted per loan | (616) 622-4022 | Visit |
| 9 | Lake State Mortgage | 4.8 | 203 | Quoted per loan | (616) 481-2232 | Visit |
| 10 | Priority Home Mortgage - Grand Rapids | 5.0 | 154 | — | (616) 951-1561 | 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.