How much house can you afford in St Paul? 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.
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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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Atwood Mortgage
5.0 · 100 reviews · Free pre-approval
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Prosperity Home Mortgage: Chris Wright NMLS #653835
4.9 · 86 reviews · Free pre-approval
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Jeff Anderson - Supreme Lending
5.0 · 77 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 →
Atwood Mortgage specializes in fast funding and competitive mortgage rates, helping buyers and homeowners navigate a variety of loan options. Their services include home purchase loans, refinancing, and specialized programs like FHA, VA, and jumbo loans. Clients appreciate the team’s clear communication and guidance, especially first-time buyers seeking a straightforward process.
Prosperity Home Mortgage, licensed under NMLS #653835, focuses on providing clear communication throughout the loan process. The team assists with various mortgage needs, keeping clients informed at every step. Customers appreciate the organized approach, though experiences may vary depending on individual circumstances.
With over two decades of experience, Supreme Lending focuses on clear communication and personalized guidance throughout the mortgage process. They offer a wide range of loan options—including conventional, government-backed, jumbo, and specialty financing—to support diverse homeownership needs. Customers appreciate the team’s responsiveness and knowledge, which help make the process smooth and… more...
With over two decades of experience, Supreme Lending focuses on clear communication and personalized guidance throughout the mortgage process. They offer a wide range of loan options—including conventional, government-backed, jumbo, and specialty financing—to support diverse homeownership needs. Customers appreciate the team’s responsiveness and knowledge, which help make the process smooth and understandable.
Known for clear communication and responsiveness, the Joe Metzler Team specializes in guiding clients through mortgage and VA loan processes with ease. They work closely with realtors to streamline home financing, and customers appreciate their helpful app and consistent updates, though some note the process can still feel complex at times.
Bell Bank Mortgage, Mike Hill specializes in handling complex mortgage situations with a focus on clear communication and timely responses. The team offers a full range of mortgage services and is known for being knowledgeable and resourceful throughout the loan process. Customers appreciate their professionalism and steady guidance, especially during challenging transactions.
Bell Bank Mortgage, Nick Kalkman specializes in guiding first-time and experienced homebuyers through the mortgage process with clear communication and responsive support. The team offers home loan setup and closing assistance, working closely with realtors to keep the process smooth. Customers appreciate their helpfulness and quick responses throughout each step.
With 8 years of experience and an NMLS license, M&M Mortgage offers a streamlined mortgage process for homebuyers and investors. The team assists with purchases, refinancing, and investment property financing, focusing on clear communication and personalized guidance. Clients appreciate their responsiveness and the ease they bring to a complex process.
NorthLend Financial stands out for its 24/7 client support and quick pre-approvals through a partnership with Cornerstone First Mortgage. They offer home purchase loans, refinancing, down payment assistance, and wealth-building guidance. Customers appreciate clear communication and a smooth, straightforward mortgage process.
Lenders made 5,512 home-purchase loans in Ramsey County in 2025 (average about $319,000) and denied 455 — 8% of decided applications, compared with 8% across Minnesota, according to federal mortgage data (HMDA, CFPB). In St Paul, the median home is worth $294,500 and 69% of owners have a mortgage, paying a median $1,911 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Ramsey 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 | Atwood Mortgage | 5.0 | 100 | — | (651) 384-2100 | Visit |
| 2 | Prosperity Home Mortgage: Chris Wright NMLS #653835 | 4.9 | 86 | — | (651) 225-3965 | Visit |
| 3 | Jeff Anderson - Supreme Lending | 5.0 | 77 | — | (214) 340-5225 | Visit |
| 4 | Cambria Mortgage, Joe Metzler Team | 4.9 | 58 | Quoted per loan | (651) 552-3681 | Visit |
| 5 | Bell Bank Mortgage, Mike Hill | 5.0 | 48 | Quoted per loan | (651) 783-5244 | Visit |
| 6 | Bell Bank Mortgage, Nick Kalkman | 5.0 | 47 | Quoted per loan | (651) 785-6087 | Visit |
| 7 | Graham Kaun - M&M Mortgage - NMLS ID 1505476 | 5.0 | 35 | Quoted per loan | (651) 336-7623 | Visit |
| 8 | NorthLend Financial | 5.0 | 16 | — | (651) 747-5900 | 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.