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Review Keywords Analysis

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

Mortgage Affordability Calculator Henderson, NV

How much house can you afford in Henderson? 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 Henderson

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

1

Five Star Mortgage

Verified

Five Star Mortgage handles complex and larger mortgage cases, guiding clients through challenging home financing with patience and clear explanations. The team works to make the process smooth and understandable, though some customers note occasional communication issues. They offer a range of loan options and support throughout the home buying journey.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(702) 947-7827
Closed Now
2629 W Horizon Ridge Pkwy #140, Henderson, NV 89052
General Services
Mortgage Services
2

Guild Mortgage - Becca Green

Guild Mortgage offers a wide range of loan programs, including conventional, FHA, VA, and USDA loans, with a focus on first-time homebuyers and refinancing. The team provides clear guidance throughout the mortgage process, keeping clients informed and supported. Some customers note the response times can vary, but overall appreciate the personalized assistance.

View Profile
(702) 723-7377
Closed Now
9065 S Pecos Rd Ste 120, Henderson, NV 89074
3

Mario Escobedo, The Escobedo Team - Sienna Mortgage

The Escobedo Team at Sienna Mortgage is known for clear communication and keeping clients informed throughout the mortgage process. They offer home purchase and refinancing services, with a focus on making transactions smooth and straightforward. Customers appreciate their responsiveness and knowledgeable approach, though some note the experience depends on timing.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Quoted per loan
FHA Loans Quoted per loan
View Profile
(702) 523-5643
Closed Now
871 Coronado Center Dr Suite #200, Office #220, Henderson, NV 89052
General Services
Mortgage Services
4

GFL Capital Mortgage

Known for aiming to close loans in as little as 14 days, GFL Capital Mortgage focuses on helping clients buy or refinance homes with personalized guidance. The team assists throughout the application process, offering clear explanations and responsive communication. Customers appreciate their patience and efficient service, especially during what can be a stressful time.

Services & Prices
Loan Approval Assistance Quoted per loan
View Profile
(702) 529-2444
Closed Now
670 S Green Valley Pkwy Ste 200, Henderson, NV 89052
General Services
Mortgage Services
5

Matt Jonah - 1st Nevada Mortgage

Licensed in Nevada and California, Matt Jonah specializes in guiding clients through buying, selling, refinancing, and new construction loans. The team offers personalized consultations and uses tools to help clients understand their financing options. Customers appreciate clear communication and a smooth, well-organized loan process.

Services & Prices
Timeline Coordination Quoted per loan
View Profile
(702) 683-8640
Closed Now
2736 Candelaria Dr, Henderson, NV 89074
General Services
Loan Tracking
Where they are 10 on the map Click a pin for the profile and directions
6

PInnacle Mortgage Solutions Inc

Known for its quick 10-day average closing time, Pinnacle Mortgage Solutions offers a range of loan options including Conventional, FHA, VA, and Jumbo loans. The team works closely with clients to simplify buying, refinancing, or debt consolidation, often praised for clear communication and responsiveness throughout the process.

Services & Prices
Home Purchase Loan Quoted per loan
Home Refinance Quoted per loan
Debt Consolidation Quoted per loan
View Profile
(702) 966-8222
Closed Now
701 N Green Valley Pkwy 2nd Floor, suite 236, Henderson, NV 89074
General Services
Mortgage Services
7

Shavonne Schofield | Mortgage Broker

Known for responsive, personalized support, Shavonne Schofield helps clients navigate home loans and refinancing with clear explanations and attentive communication. The team assists with pre-approvals, rate matching, and detailed property reviews, often accommodating clients’ schedules outside regular hours. Customers appreciate the thorough guidance and steady availability throughout the… more...

Known for responsive, personalized support, Shavonne Schofield helps clients navigate home loans and refinancing with clear explanations and attentive communication. The team assists with pre-approvals, rate matching, and detailed property reviews, often accommodating clients’ schedules outside regular hours. Customers appreciate the thorough guidance and steady availability throughout the process.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-approval Quoted per loan
View Profile
(702) 785-2505
Open 00:00 - 23:59
871 Coronado Center Dr Ste 200, Office 216, Henderson, NV 89052
General Services
Mortgage Services
8

Holly Brown NMLS#357719

Specializing in VA, FHA, Conventional, and USDA loans, this mortgage team offers a range of options for homebuyers and refinancing clients. Known for clear communication and quick responses, they guide customers through the mortgage process with personalized support. Some find the process fast-paced, but the team’s responsiveness helps ease the experience.

Services & Prices
VA Home Loan Assistance Quoted per loan
Home Purchase Closing Services Quoted per loan
Interest Rate Analysis Quoted per loan
Refinance Closing Services Quoted per loan
View Profile
(702) 682-0957
Open 00:00 - 23:59
223 N Pecos Rd Ste 120, Henderson, NV 89074
General Services
Home Buying Services
9

Slam Dunk Mortgage Team: Stacey & Benas, Mortgage Broker

Slam Dunk Mortgage Team specializes in helping first-time homebuyers navigate the mortgage process with clear, timely guidance. The team offers mortgage brokering services and is praised for market knowledge and responsiveness across time zones. Customers appreciate their patience and ability to simplify what can be a complex experience.

Services & Prices
Mortgage Approval Assistance Quoted per loan
View Profile
(407) 761-3797
Closed Now
2850 W Horizon Ridge Pkwy #200, Henderson, NV 89052
General Services
Mortgage Services
10

Monica Vozza-Mortgage Broker

Specializing in refinancing and reverse mortgage options, Monica Vozza offers knowledgeable guidance throughout the loan process. The team assists with home purchases and refinancing, providing clear explanations and responsive communication—even after hours. Customers appreciate the patient support and thorough attention to detail that help ease the stress of securing a mortgage.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
Reverse Mortgage Quoted per loan
View Profile
(702) 736-3116
Closed Now
223 N Pecos Rd Ste 120, Henderson, NV 89074
General Services
Mortgage Services

Henderson Mortgage Statistics

Home-purchase lending in Clark County and home costs in Henderson, NV (latest HMDA and Census data)

Lenders made 28,074 home-purchase loans in Clark County in 2025 (average about $442,000) and denied 3,885 — 12% of decided applications, compared with 12% across Nevada, according to federal mortgage data (HMDA, CFPB). In Henderson, the median home is worth $484,900 and 68% of owners have a mortgage, paying a median $2,079 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
28,074▼ 9%30,760 in 2024
Denial rate
12%NV 12%
Median home value
$484,900NV $435,400
Monthly cost with a mortgage
$2,079median · NV $1,932
Refinance loans made (Clark County, 2025)
14,303 · 10,412 in 2024
Home-improvement loans made (2025)
3,031
Average home-purchase loan
$442,000 (NV $444,000)
Owners with a mortgage
68% · 30% of them spend 30%+ of income on housing
Median household income
$90,138 (NV $78,260)

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

Henderson Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Five Star Mortgage 4.7 245 Quoted per loan (702) 947-7827 Visit
2 Guild Mortgage - Becca Green 5.0 630 — (702) 723-7377 Visit
3 Mario Escobedo, The Escobedo Team - Sienna Mortgage 5.0 336 Quoted per loan (702) 523-5643 Visit
4 GFL Capital Mortgage 5.0 170 Quoted per loan (702) 529-2444 Visit
5 Matt Jonah - 1st Nevada Mortgage 5.0 87 Quoted per loan (702) 683-8640 Visit
6 PInnacle Mortgage Solutions Inc 4.8 63 Quoted per loan (702) 966-8222 Visit
7 Shavonne Schofield | Mortgage Broker 5.0 24 Quoted per loan (702) 785-2505 Visit
8 Holly Brown NMLS#357719 5.0 24 Quoted per loan (702) 682-0957 Visit
9 Slam Dunk Mortgage Team: Stacey & Benas, Mortgage Broker 5.0 18 Quoted per loan (407) 761-3797 Visit
10 Monica Vozza-Mortgage Broker 5.0 18 Quoted per loan (702) 736-3116 Visit

How this Henderson 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.

Nevada 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 0.5% of the home's value a year, the Nevada 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

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate. It includes mortgage, PMI, and property tax.
How accurate is a mortgage affordability calculator?
It's a general estimate. Actual affordability depends on verified income, debts, credit, and down payment during pre-approval.
What is the debt-to-income ratio for mortgages in Nevada?
Lenders usually cap housing costs at 31% and total debt at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a mortgage in Henderson?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, affecting affordability estimates.
How do debts impact how much mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you qualify for, as lenders consider total debt payments in the debt-to-income ratio.
What is the property tax rate in Nevada?
Property tax is about 0.5% of the home's value annually in Nevada, based on the 2024 average for owner-occupied homes.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit to confirm affordability. Pre-qualification is an initial estimate without verification.
How does PMI affect my mortgage in Henderson?
With less than 20% down on a conventional loan, PMI is added, roughly 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home's value.

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