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Review Keywords Analysis

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

Mortgage Affordability Calculator Kansas City, MO

How much house can you afford in Kansas City? 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 Kansas City

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

1

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation offers a wide range of loan options with personalized guidance to help clients navigate the mortgage process from application to closing. Their experienced team focuses on providing clear information and responsive service, making home financing straightforward and accessible. Customers appreciate the smooth experience and professional support throughout.

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(816) 368-2775
Open 8:30 AM - 5:00 PM
202 NE 91 St, Kansas City, MO 64155
2

McGowan Mortgages

McGowan Mortgages specializes in helping clients explore various mortgage options, including cash-out refinancing, with clear guidance throughout the process. The team is praised for professionalism and prompt communication, though some customers have experienced coordination challenges and unexpected fees during closing.

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(816) 631-9687
Open 8:00 AM - 8:00 PM
800 E 101st Terrace Ste. 350B, Kansas City, MO 64131
3

Clear Mortgage, LLC.

Clear Mortgage, LLC. is known for its hands-on guidance and strategic advice throughout the mortgage process. The team helps with home buying and refinancing, keeping communication clear and timely to reduce stress. Some customers note the fast pace can feel intense, but many appreciate the organized, supportive approach.

Services & Prices
Loan Approval Assistance Quoted per loan
Rate Locking Quoted per loan
View Profile
(913) 205-3654
Open 8:00 AM - 8:00 PM
325 Southwest Blvd, Kansas City, MO 64108
General Services
Mortgage Services
4

KC Mortgage Pro

KC Mortgage Pro is recognized for clear communication and responsiveness throughout the mortgage process. The team assists with home loans by explaining terms in simple language and keeping clients informed at every step. Customers appreciate their thoroughness and availability, though some note the process can still require patience.

Services & Prices
Loan Closing Services Quoted per loan
View Profile
(816) 686-2835
Open 7:30 AM - 7:00 PM
3100 Broadway Blvd #313, Kansas City, MO 64111
General Services
Mortgage Services
5

Crown Mortgage

Known for their personalized approach, Crown Mortgage focuses on tailoring mortgage solutions to fit each homeowner’s unique goals. They assist with home purchases, refinancing, and various loan types, working closely with agents and title teams to ensure clear communication. Customers appreciate their responsiveness and ability to simplify a complex process.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(816) 549-2424
Open 8:00 AM - 8:00 PM
3637 Main St, Kansas City, MO 64111
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Elite Mortgage Group, LLC

Known for guiding first-time homebuyers through a smooth and supportive process, Elite Mortgage Group, LLC offers mortgage lending and refinancing services with a focus on clear communication and problem-solving. Customers appreciate the team’s helpfulness and persistence in overcoming obstacles to keep deals on track.

Services & Prices
First-Time Homebuyer Loan Quoted per loan
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(816) 875-0074
Open 8:00 AM - 6:00 PM
1800 Genessee St Ste 406, Kansas City, MO 64102
General Services
Home Loans
7

Marcus Arnone, Loan Officer, NMLS 2122699, Rochon Mortgage Team

Licensed under NMLS 2122699, this loan officer with Rochon Mortgage Team helps clients navigate a wide range of mortgage options, including FHA, VA, and jumbo loans. Known for clear communication and quick closings, the team works closely with borrowers to simplify the process, though responsiveness may vary depending on workload.

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(816) 651-4565
Open 8:00 AM - 9:00 PM
1475 Walnut St, Kansas City, MO 64106
8

Silverton Mortgage - Kansas City

Silverton Mortgage is known for clear communication and dependable support throughout the home-buying process. Their team assists with mortgage options and guides clients from application to closing, often praised for being responsive and patient, especially with first-time buyers. Some customers note the process can feel detailed but appreciate the thorough explanations.

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(816) 601-0429
Open 00:00 - 23:59
10450 Holmes Rd, Kansas City, MO 64131
9

Churchill Mortgage - Kansas City

With over 30 years of experience, Churchill Mortgage focuses on personal interaction and fair lending practices to help clients purchase or refinance homes. The team guides borrowers through the loan process with clear communication, though some customers have noted delays and changing costs during closing.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Appraisal Quoted per loan
View Profile
(913) 701-7100
Open 9:00 AM - 5:00 PM
2300 Main St Ste 900, Kansas City, MO 64108
General Services
Mortgage Services
10

Mortgage Solutions Financial Kansas City

Specializing in a variety of loan products including FHA, VA, and USDA loans, Mortgage Solutions Financial helps clients navigate complex mortgage options with personalized guidance. Their team supports both home purchases and refinancing, with customers appreciating clear communication and a smooth process from application to closing.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(816) 709-4990
Open 8:00 AM - 5:00 PM
5901 NW 63rd Terrace Ste 180, Kansas City, MO 64151
General Services
Mortgage Services

Kansas City Mortgage Statistics

Home-purchase lending in Jackson County and home costs in Kansas City, MO (latest HMDA and Census data)

Lenders made 9,889 home-purchase loans in Jackson County in 2025 (average about $279,000) and denied 764 — 7% of decided applications, compared with 11% across Missouri, according to federal mortgage data (HMDA, CFPB). In Kansas City, the median home is worth $242,900 and 63% of owners have a mortgage, paying a median $1,709 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
9,8890%9,889 in 2024
Denial rate
7%MO 11%
Median home value
$242,900MO $230,300
Monthly cost with a mortgage
$1,709median · MO $1,524
Refinance loans made (Jackson County, 2025)
4,886 · 3,822 in 2024
Home-improvement loans made (2025)
1,321
Average home-purchase loan
$279,000 (MO $279,000)
Owners with a mortgage
63% · 25% of them spend 30%+ of income on housing
Median household income
$69,166 (MO $70,702)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Jackson County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Kansas City Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Fairway Independent Mortgage Corporation 4.9 291 — (816) 368-2775 Visit
2 McGowan Mortgages 4.9 238 — (816) 631-9687 Visit
3 Clear Mortgage, LLC. 5.0 206 Quoted per loan (913) 205-3654 Visit
4 KC Mortgage Pro 5.0 180 Quoted per loan (816) 686-2835 Visit
5 Crown Mortgage 5.0 152 Quoted per loan (816) 549-2424 Visit
6 Elite Mortgage Group, LLC 5.0 102 Quoted per loan (816) 875-0074 Visit
7 Marcus Arnone, Loan Officer, NMLS 2122699, Rochon Mortgage Team 5.0 86 — (816) 651-4565 Visit
8 Silverton Mortgage - Kansas City 5.0 82 — (816) 601-0429 Visit
9 Churchill Mortgage - Kansas City 4.5 84 Quoted per loan (913) 701-7100 Visit
10 Mortgage Solutions Financial Kansas City 4.8 78 Quoted per loan (816) 709-4990 Visit

How this Kansas City 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.

Missouri 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 0.85% of the home's value a year, the Missouri 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 for Kansas City?
The calculator estimates the highest home price you can qualify for using your income, debts, down payment, and interest rate. It includes PMI and property tax.
What is the debt-to-income ratio for mortgage approval?
Lenders typically cap housing costs at 31% of gross income and total debt payments at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a home in Missouri?
First-time buyers can put down 3% on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Kansas City?
With less than 20% down, PMI is about 0.6% of the loan annually. It can usually be removed once the loan balance is below 80% of the home's value.
How do interest rates impact my mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, affecting affordability.
How do my debts affect how much mortgage I can get?
Higher monthly debt payments reduce the mortgage amount you can qualify for, as lenders consider total debt-to-income ratios.
What is the property tax rate in Missouri?
The property tax rate is about 0.85% of the home's value annually, based on the 2024 average for owner-occupied homes.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage options from various lenders, assisting with the application process.

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