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.
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 |
|---|
Flat Branch Home Loans
4.9 · 455 reviews · Free pre-approval
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USA Mortgage
4.9 · 447 reviews · Free pre-approval
Get pre-approved →
The Chavez Team - Cross Country Mortgage
4.9 · 397 reviews · Free pre-approval
Get pre-approved →
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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.