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Review Keywords Analysis

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

Mortgage Affordability Calculator Springfield, MO

How much house can you afford in Springfield? 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 Springfield

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

1

Flat Branch Home Loans

Flat Branch Home Loans focuses on simplifying the mortgage process, especially for clients navigating complex situations like VA loans or retirement home purchases. The team offers clear communication and responsive support throughout, helping customers feel informed and confident. Some find the process lengthy, but most appreciate the guidance and care provided.

Services & Prices
VA Loans Quoted per loan
First-Time Homebuyer Loans Quoted per loan
Refinancing Options Quoted per loan
Closing Assistance Quoted per loan
View Profile
(417) 877-0250
Closed Now
4350 S National Ave a100, Springfield, MO 65810
General Services
Mortgage Services
2

USA Mortgage

Known for guiding first-time homebuyers through every step with clear communication and personalized support, USA Mortgage offers home loan and refinancing services. Customers appreciate the team’s responsiveness and the smooth, well-organized process, though some note the frequent after-hours messages as part of their thorough approach.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Conventional Home Loans Quoted per loan
Government Loans (FHA, VA) Quoted per loan
Rate-and-Term Refinance Quoted per loan
View Profile
(417) 708-9250
Closed Now
3100 S National Ave #101, Springfield, MO 65807
General Services
Home Loan Services
3

The Chavez Team - Cross Country Mortgage

The Chavez Team at Cross Country Mortgage focuses on guiding first-time homebuyers through the mortgage process with patience and clear communication. They offer mortgage brokerage services and are known for their supportive approach, though some clients have noted occasional delays and communication challenges during closing.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate-and-Term Refinancing Quoted per loan
View Profile
(417) 708-4207
Closed Now
1911 S National Ave Ste 104, Springfield, MO 65804
General Services
Home Mortgage
4

Adam Swenka Team, Mortgage Lender NMLS #932959

Licensed as a Senior Mortgage Banker (NMLS #932959), the Adam Swenka Team focuses on making the mortgage process straightforward and personalized. They assist with home purchase loans, refinancing, and debt consolidation across multiple states, providing clear explanations and timely updates. Clients appreciate their responsiveness and thorough guidance throughout each step.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(417) 512-9978
Open 8:00 AM - 8:00 PM
4350 S National Ave, Springfield, MO 65810
General Services
Home Loan Services
5

Gershman Mortgage Springfield, MO

Gershman Mortgage is known for its responsive communication and support throughout the home-buying process. The team specializes in residential loans, including VA financing, and works to keep clients informed and comfortable from application to closing. Customers appreciate their professionalism and willingness to answer questions, though some note the process can feel busy at times.

Services & Prices
Conventional Loans Quoted per loan
VA Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(417) 888-0320
Closed Now
1557 E Primrose St #100, Springfield, MO 65804
General Services
Residential Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

First Residential Independent Mortgage

First Residential Independent Mortgage specializes in guiding first-time homebuyers through the mortgage process with clear explanations and patient support. The team offers personalized mortgage brokerage services and is known for helping clients feel confident and informed. Some customers note that communication can vary, but overall the assistance is thorough and approachable.

View Profile
(800) 906-8960
Closed Now
1930 W Bennett St #100, Springfield, MO 65807
7

Andrew Semple at CrossCountry Mortgage | Sr. Loan Advisor

CrossCountry Mortgage specializes in guiding first-time homebuyers through the loan process with clear communication and patient support. Their team offers a range of mortgage options and takes time to explain each step, helping clients feel informed and valued. Customers appreciate their responsiveness and hands-on approach throughout the homebuying journey.

View Profile
(417) 417-3932
Open 8:00 AM - 8:00 PM
3000 E Chestnut Expressway Ste B, Springfield, MO 65802
8

Alex Carriker | Highlands Residential Mortgage, Ltd.

Specializing in guiding clients through complex mortgage situations, this team offers personalized residential mortgage services designed to simplify the home-buying process. Customers appreciate their clear communication and proactive approach, though some note the process can still feel detailed at times. The agents focus on making approvals and rate options straightforward for first-time and… more...

Specializing in guiding clients through complex mortgage situations, this team offers personalized residential mortgage services designed to simplify the home-buying process. Customers appreciate their clear communication and proactive approach, though some note the process can still feel detailed at times. The agents focus on making approvals and rate options straightforward for first-time and experienced buyers alike.

View Profile
(417) 209-7463
Open 8:00 AM - 9:00 PM
1465 E Primrose St Ste B, Springfield, MO 65804
9

Summit Lending- Khokhlan Mortgage Team, Mortgage Lender

Known for clear communication and responsiveness, Summit Lending- Khokhlan Mortgage Team guides clients through mortgage lending with a friendly, professional approach. They assist with all paperwork and questions, helping make home buying smoother and less stressful. Customers appreciate their availability and straightforward process.

Services & Prices
Home Purchase Loan Quoted per loan
Refinance Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(916) 764-5410
Closed Now
1638 E Republic Rd Ste B, Springfield, MO 65804
General Services
Mortgage Services
10

USA Mortgage | Christi Bukaty

Bukaty Home Loans StoryBukaty Home Loans is a dedicated mortgage lender based in Springfield, MO, committed to guiding individuals through the home loan process. Whether purchasing a new home or refinancing an existing one, Christi Bukaty and her team offer expertise and support. The company emphasizes making the mortgage process simple and accessible, providing resources like a mobile app with a… more...

Bukaty Home Loans StoryBukaty Home Loans is a dedicated mortgage lender based in Springfield, MO, committed to guiding individuals through the home loan process. Whether purchasing a new home or refinancing an existing one, Christi Bukaty and her team offer expertise and support. The company emphasizes making the mortgage process simple and accessible, providing resources like a mobile app with a mortgage calculator, loan program information, and document upload capabilities. They aim to be a trusted partner for clients navigating the complexities of home financing.Credibility and ExpertiseBukaty Home Loans operates with a strong foundation of industry knowledge and client trust. Christi Bukaty is a Senior Mortgage Banker with NMLS ID 407549 and holds a Missouri Residential Mortgage License. The company is part of USA Mortgage, with a company NMLS of 227262. They are licensed in Missouri and adhere to industry standards, ensuring a reliable and professional service. Their commitment to client satisfaction is reflected in their accessible support and comprehensive loan offerings.Home Loan OfferingsBukaty Home Loans provides a wide array of mortgage solutions to meet diverse client needs. These include Conventional, FHA, USDA, VA, and Jumbo loans, catering to various financial situations and property types. They also offer MHDC loans and Refinance options for existing homeowners. The company aims to simplify the application process, offering tools like a mobile app and online application to streamline the journey from pre-qualification to closing. Their goal is to find the best loan product for each client's unique circumstances.Unique AdvantagesBukaty Home Loans distinguishes itself through personalized service and a commitment to simplifying the mortgage process. Christi Bukaty, a seasoned Senior Mortgage Banker, leads the team with extensive expertise. They offer a comprehensive suite of loan products, including specialized options like MHDC loans. Furthermore, their user-friendly mobile app provides clients with convenient access to tools, information, and application services, setting them apart in the competitive mortgage market.

View Profile
(417) 207-0609
Open 8:30 AM - 9:00 PM
3100 S National Ave #100, Springfield, MO 65804

Springfield Mortgage Statistics

Home-purchase lending in Greene County and home costs in Springfield, MO (latest HMDA and Census data)

Lenders made 4,380 home-purchase loans in Greene County in 2025 (average about $265,000) and denied 360 — 8% of decided applications, compared with 11% across Missouri, according to federal mortgage data (HMDA, CFPB). In Springfield, the median home is worth $177,700 and 60% of owners have a mortgage, paying a median $1,202 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
4,380▲ 6%4,137 in 2024
Denial rate
8%MO 11%
Median home value
$177,700MO $230,300
Monthly cost with a mortgage
$1,202median · MO $1,524
Refinance loans made (Greene County, 2025)
2,284 · 1,641 in 2024
Home-improvement loans made (2025)
607
Average home-purchase loan
$265,000 (MO $279,000)
Owners with a mortgage
60% · 24% of them spend 30%+ of income on housing
Median household income
$49,311 (MO $70,702)

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

Springfield Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Flat Branch Home Loans 4.9 455 Quoted per loan (417) 877-0250 Visit
2 USA Mortgage 4.9 447 Quoted per loan (417) 708-9250 Visit
3 The Chavez Team - Cross Country Mortgage 4.9 397 Quoted per loan (417) 708-4207 Visit
4 Adam Swenka Team, Mortgage Lender NMLS #932959 5.0 276 Quoted per loan (417) 512-9978 Visit
5 Gershman Mortgage Springfield, MO 4.9 247 Quoted per loan (417) 888-0320 Visit
6 First Residential Independent Mortgage 4.8 240 — (800) 906-8960 Visit
7 Andrew Semple at CrossCountry Mortgage | Sr. Loan Advisor 4.8 171 — (417) 417-3932 Visit
8 Alex Carriker | Highlands Residential Mortgage, Ltd. 5.0 131 — (417) 209-7463 Visit
9 Summit Lending- Khokhlan Mortgage Team, Mortgage Lender 5.0 51 Quoted per loan (916) 764-5410 Visit
10 USA Mortgage | Christi Bukaty 5.0 42 — (417) 207-0609 Visit

How this Springfield 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

10 questions
How does the Springfield mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate. It includes monthly payment, PMI, and property tax.
How accurate is the mortgage affordability calculator for Springfield, MO?
The calculator provides an estimate. A lender's pre-approval is needed to confirm affordability by verifying income, debts, and credit.
What debt-to-income ratio do lenders use in Missouri?
Lenders typically cap housing costs at 31% and total debt at 43% of gross monthly income. Some conventional loans may allow more with strong credit.
What is the minimum down payment for a first-time buyer in Springfield?
Minimum down payments are 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Springfield, MO?
With less than 20% down, PMI is added to conventional loans, about 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home's value.
How do interest rates impact mortgage affordability in Missouri?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40% as of October 2026.
How do my debts affect my mortgage qualification in Springfield?
Higher monthly debt payments reduce the amount you can borrow for a mortgage, as lenders consider total debt-to-income ratios.
What is the property tax rate in Missouri for homeowners?
The property tax rate is about 0.85% 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-qualification is an initial estimate of what you can afford. Pre-approval is a more detailed process where lenders verify your financial information.
What role does a mortgage broker play in Springfield, MO?
Mortgage brokers help connect borrowers with lenders, offering various loan options and assisting with the application process.

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