How much house can you afford in Albuquerque? 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.
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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 |
|---|
Jason Pike at Waterstone Mortgage NMLS #471725
5.0 · 311 reviews · Free pre-approval
Get pre-approved →
New Mexico Mortgage Advisors
5.0 · 272 reviews · Free pre-approval
Get pre-approved →
Guild Mortgage - Rosa Izzi
5.0 · 206 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 →
With over 35 years of experience and a focus on Conventional, VA, and FHA loans, this mortgage team serves homebuyers in New Mexico, Arizona, and Colorado. They provide educational resources and tools to help clients understand their options, and customers appreciate their clear communication and smooth application process.
New Mexico Mortgage Advisors focuses on guiding clients through the mortgage process with clear communication and professional support. They assist with loan applications and securing competitive interest rates. Customers appreciate the smooth experience, though some note the paperwork can feel extensive, especially for first-time buyers.
Guild Mortgage - Rosa Izzi specializes in guiding clients through mortgage loans, including first-time homebuyer programs like the 1W2. The team handles complex applications with a straightforward approach, making the process smoother despite occasional challenges. Customers appreciate their clear communication and supportive service.
Indigo Mortgage is known for guiding clients through complex mortgage processes with clear communication and personal attention. The team helps with home loans and refinancing, often praised for responsiveness and finding competitive rates before closing. Some customers note that support after closing can be harder to reach.
Licensed to operate in Colorado and New Mexico, Premier Choice Mortgage offers a variety of loan options, including VA and FHA programs, through an accessible online platform. Customers appreciate the team’s responsiveness and clear communication, which help make the mortgage process straightforward and supportive. Some find the online focus less personal, but the staff’s expertise is widely… more...
Licensed to operate in Colorado and New Mexico, Premier Choice Mortgage offers a variety of loan options, including VA and FHA programs, through an accessible online platform. Customers appreciate the team’s responsiveness and clear communication, which help make the mortgage process straightforward and supportive. Some find the online focus less personal, but the staff’s expertise is widely recognized.
VanDyk Mortgage Corporation offers transparent mortgage guidance and works to find competitive rates that fit clients’ budgets. The team supports customers throughout the often complex home buying process, providing timely communication and availability when needed. Some clients note occasional challenges when third parties are involved, but appreciate the consistent support.
Waterstone Mortgage is known for its responsive and clear communication, helping clients navigate the mortgage process with confidence. The team assists with various mortgage needs, keeping the process straightforward and efficient. Some clients note the pace can be brisk but appreciate the support through closing.
With over 17 years of experience, Vision Mortgage Group connects clients to a broad network of lenders, offering competitive rates on home purchases, refinances, FHA, and VA loans. The team is known for clear communication and personalized support throughout the mortgage process, helping borrowers feel informed and confident.
Guild Mortgage offers personalized mortgage solutions with a focus on clear communication and client support throughout the loan process. Their team assists with a variety of home financing options, and many customers appreciate their responsiveness and guidance. Some clients have noted occasional challenges with communication and advice.
Guild Mortgage has been helping homebuyers since 1960, offering a wide range of loan programs including VA, Jumbo, USDA, and renovation loans. Their team provides local processing and personalized guidance to navigate the mortgage process. While many clients appreciate the clear communication and support, some have noted inconsistent follow-up from certain teams.
Lenders made 7,523 home-purchase loans in Bernalillo County in 2025 (average about $550,000) and denied 1,028 — 12% of decided applications, compared with 20% across New Mexico, according to federal mortgage data (HMDA, CFPB). In Albuquerque, the median home is worth $291,500 and 64% of owners have a mortgage, paying a median $1,604 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Bernalillo 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 | Jason Pike at Waterstone Mortgage NMLS #471725 | 5.0 | 311 | — | (505) 828-9400 | Visit |
| 2 | New Mexico Mortgage Advisors | 5.0 | 272 | — | (505) 898-4800 | Visit |
| 3 | Guild Mortgage - Rosa Izzi | 5.0 | 206 | — | (505) 899-5626 | Visit |
| 4 | Indigo Mortgage | 4.7 | 191 | Quoted per loan | (505) 836-5700 | Visit |
| 5 | Premier Choice Mortgage | 5.0 | 156 | Quoted per loan | (505) 830-9685 | Visit |
| 6 | Luke Ham - VanDyk Mortgage Corporation | 4.8 | 147 | — | (505) 833-1633 | Visit |
| 7 | Waterstone Mortgage - Albuquerque, NM | 4.8 | 128 | — | (505) 888-4663 | Visit |
| 8 | Vision Mortgage Group | 5.0 | 120 | Quoted per loan | (505) 884-7283 | Visit |
| 9 | Guild Mortgage Company | 4.2 | 37 | Quoted per loan | (505) 296-4747 | Visit |
| 10 | Guild Mortgage Company | 3.5 | 24 | Quoted per loan | (505) 899-5626 | 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.