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.
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 |
|---|
Fairway Independent Mortgage Corporation
4.9 · 291 reviews · Free pre-approval
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McGowan Mortgages
4.9 · 238 reviews · Free pre-approval
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Clear Mortgage, LLC.
5.0 · 206 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.