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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Minnesota
  4. St Paul
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator St Paul, MN

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.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in St Paul

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Atwood Mortgage

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.

View Profile
(651) 384-2100
Open 8:00 AM - 8:00 PM
420 Summit Ave suite 316, St Paul, MN 55102
2

Prosperity Home Mortgage: Chris Wright NMLS #653835

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.

View Profile
(651) 225-3965
Closed Now
700 Grand Ave, St Paul, MN 55105
3

Jeff Anderson - Supreme Lending

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.

View Profile
(214) 340-5225
Closed Now
322 County Rd D E Ste 100, St Paul, MN 55117
4

Cambria Mortgage, Joe Metzler Team

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.

Services & Prices
VA Loan Assistance Quoted per loan
View Profile
(651) 552-3681
Closed Now
1549 Livingston Ave #105, St Paul, MN 55118
General Services
Mortgage Services
5

Bell Bank Mortgage, Mike Hill

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Quoted per loan
First-Time Homebuyer Program Quoted per loan
Personal Loans Quoted per loan
View Profile
(651) 783-5244
Closed Now
971 Sibley Memorial Hwy Suite 201, St Paul, MN 55118
General Services
Mortgage Services
Where they are 8 on the map Click a pin for the profile and directions
6

Bell Bank Mortgage, Nick Kalkman

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.

Services & Prices
Pre-approval Quoted per loan
Loan Closing Services Quoted per loan
View Profile
(651) 785-6087
Closed Now
971 Sibley Memorial Hwy Suite 201, St Paul, MN 55118
General Services
Home Loan Services
7

Graham Kaun - M&M Mortgage - NMLS ID 1505476

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.

Services & Prices
Pre-Approval Services Quoted per loan
View Profile
(651) 336-7623
Open 00:00 - 23:59
1700 Highway 36 W #300, St Paul, MN 55113
General Services
Loan Services
8

NorthLend Financial

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.

View Profile
(651) 747-5900
Closed Now
2550 University Ave W Ste 210N, St Paul, MN 55114

St Paul Mortgage Statistics

Home-purchase lending in Ramsey County and home costs in St Paul, MN (latest HMDA and Census data)

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).

Home-purchase loans, 2025
5,512▼ 6%5,880 in 2024
Denial rate
8%MN 8%
Median home value
$294,500MN $329,300
Monthly cost with a mortgage
$1,911median · MN $1,947
Refinance loans made (Ramsey County, 2025)
1,976 · 1,345 in 2024
Home-improvement loans made (2025)
1,083
Average home-purchase loan
$319,000 (MN $349,000)
Owners with a mortgage
69% · 28% of them spend 30%+ of income on housing
Median household income
$73,394 (MN $89,062)

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.

St Paul Mortgage Brokers stats: 8 businesses compared side by side · updated
# 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

How this St Paul mortgage affordability calculator works

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.

Minnesota rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.99% of the home's value a year, the Minnesota average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
How much house can I afford on a $100k salary in Minnesota?
Lenders typically cap housing costs at 31% of gross monthly income. Use the calculator to input your details for an estimate.
What is the debt-to-income ratio for mortgages in St Paul?
Lenders often use a 43% cap on total debt payments, including housing costs, based on gross monthly income.
What is the minimum down payment for a mortgage in Minnesota?
First-time buyers need at least 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down.
How do interest rates affect mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator uses a 7.40% starting rate.
Does PMI apply to all mortgages in St Paul?
PMI applies to conventional loans with less than 20% down, about 0.6% of the loan annually. It can be removed when the balance is below 80%.
What are property taxes in Minnesota?
Property tax is about 0.99% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval verifies income, debts, credit, and down payment. Pre-qualification is a preliminary estimate without verification.
How do debts affect how much mortgage I can qualify for?
High monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of income.

General information, not financial advice — consult a qualified professional.