How much house can you afford in Cary? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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 |
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VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker)
5.0 · 379 reviews · Free pre-approval
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Pathway Mortgage Group, Inc.
5.0 · 369 reviews · Free pre-approval
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The Sherry Riano Team at Developer's Mortgage Company
4.9 · 274 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 →
VIVA Lending Group LLC specializes in fast, streamlined mortgage approvals, often completing transactions within 30 days. Their licensed team offers home purchase loans, refinancing options, and tools like pre-approval letters and payment calculators. Clients appreciate their clear communication and responsiveness, which help simplify what can be a complex process.
Pathway Mortgage Group, Inc. focuses on guiding first-time homebuyers through the mortgage process with clear communication and educational support. Their team offers personalized mortgage services, keeping clients informed about financial details and next steps. Customers appreciate their responsiveness and thoroughness, especially during complex or delayed transactions.
Known for quick pre-approvals and 24/7 loan progress updates, The Sherry Riano Team helps homebuyers and homeowners navigate mortgages with clear explanations and step-by-step support. They offer a wide range of loan options, including VA and renovation loans, and are appreciated for their responsiveness and thorough communication throughout the process.
First Home Mortgage is known for clear communication and guiding clients smoothly through the mortgage process. The team offers loan origination and refinancing services, keeping borrowers informed at every step. Customers appreciate their responsiveness and straightforward approach, though some note the process can take time.
Family-owned since 1997, Miller Lending Group focuses exclusively on purchase and refinance loans, offering clear, jargon-free guidance throughout the mortgage process. Their team works closely with clients to find suitable loan options, including No Closing Cost programs, and is known for being accessible and responsive. Some customers note the process can be fast, even with complex loans.
Known for clear communication and patient guidance, 7 Locks Lending specializes in mortgages and refinancing with a focus on making the process straightforward. The team offers detailed explanations and reliable support, helping both first-time and experienced buyers navigate their options. Customers appreciate their responsiveness and thorough approach throughout each transaction.
Mortgage Choice Inc holds a full mortgage broker license and focuses on providing personalized mortgage solutions tailored to each client’s financial situation. They offer a wide range of loan options, including FHA, VA, USDA, and investment property mortgages, while guiding clients clearly through complex decisions. Customers appreciate the team’s responsiveness and ability to simplify the… more...
Mortgage Choice Inc holds a full mortgage broker license and focuses on providing personalized mortgage solutions tailored to each client’s financial situation. They offer a wide range of loan options, including FHA, VA, USDA, and investment property mortgages, while guiding clients clearly through complex decisions. Customers appreciate the team’s responsiveness and ability to simplify the process, though some may find the detailed explanations require patience.
Known for patient guidance and clear communication, Revolution Mortgage supports clients through every step of the home buying process. The team helps first-time buyers and seasoned homeowners navigate mortgage options with care and responsiveness. Some clients note the process can feel lengthy, but many appreciate the steady support throughout.
First Heritage Mortgage specializes in a wide range of mortgage solutions, including conventional, FHA, VA, and specialized financing for construction and investor loans. Clients appreciate the team’s knowledgeable, responsive support throughout the process, though some note occasional glitches with their loan application app.
Specializing exclusively in mortgage loans, Best Mortgage Lending Corp offers personalized guidance for first-time buyers, refinancing, and more. Licensed in Florida and North Carolina with over 20 years of experience, their team works with multiple lenders to find competitive rates. Clients appreciate their clear communication and efficient process from application to closing.
Lenders made 17,173 home-purchase loans in Wake County in 2025 (average about $454,000) and denied 1,630 — 9% of decided applications, compared with 14% across North Carolina, according to federal mortgage data (HMDA, CFPB). In Cary, the median home is worth $580,200 and 72% of owners have a mortgage, paying a median $2,389 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Wake 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 | VIVA Lending Group LLC - Suneel Kommireddy (Mortgage Broker) | 5.0 | 379 | $10 | (919) 699-5895 | Visit |
| 2 | Pathway Mortgage Group, Inc. | 5.0 | 369 | Quoted per loan | (919) 745-8882 | Visit |
| 3 | The Sherry Riano Team at Developer's Mortgage Company | 4.9 | 274 | — | (919) 234-7415 | Visit |
| 4 | First Home Mortgage - Cary/Raleigh | 4.9 | 124 | — | (919) 300-3010 | Visit |
| 5 | Miller Lending Group | 4.8 | 102 | Quoted per loan | (919) 447-3377 | Visit |
| 6 | 7 Locks Lending — Mortgages & Refinancing | 5.0 | 84 | Quoted per loan | (919) 412-5375 | Visit |
| 7 | Mortgage Choice NMLS 89877 | 5.0 | 53 | Quoted per loan | (919) 655-0330 | Visit |
| 8 | Revolution Mortgage | 5.0 | 48 | Quoted per loan | (252) 472-0005 | Visit |
| 9 | First Heritage Mortgage, LLC - Cary | 4.9 | 30 | — | — | Visit |
| 10 | Best Mortgage Lending Corp | 5.0 | 27 | Quoted per loan | (305) 763-5427 | 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.