How much house can you afford in Reno? 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 |
|---|
Guild Mortgage - Jorge I Montoya Morales
5.0 · 743 reviews · Free pre-approval
Get pre-approved →
Guild Mortgage - Amanda Rea
5.0 · 328 reviews · Free pre-approval
Get pre-approved →
Home Wealth Funding, Inc
5.0 · 306 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 →
Guild Mortgage - Jorge I Montoya Morales focuses on guiding first-time homebuyers through the mortgage process with clear communication and ongoing support. The team offers personalized mortgage services and keeps clients informed at every step. Customers appreciate their friendly approach and thorough explanations, making the experience less overwhelming.
Guild Mortgage focuses on creating personalized home loan plans that help clients build wealth through real estate. They offer a variety of mortgage options, including programs for first-time buyers and refinancing, supported by helpful online tools. Customers appreciate the team’s clear communication and friendly, knowledgeable guidance throughout the process.
Licensed in both Nevada and California, Home Wealth Funding focuses on residential mortgages, helping clients with home purchases and refinancing. Their team emphasizes clear communication and competitive rates, often praised for being responsive and supportive throughout the process. Some clients note occasional delays but appreciate the personalized guidance provided.
Known for comparing loan options from multiple lenders, this mortgage advisor offers a wide range of services including refinancing, investment property guidance, and specialized loans like Jumbo, FHA, and VA. Clients appreciate the clear communication and supportive team that help make complex processes more manageable, even when timelines extend.
Known for transparent pricing and clear communication, Kevin Edwards Mortgage Broker helps clients secure competitive mortgage rates without hidden fees. The team offers fast, professional service and thorough explanations throughout the loan process. Customers appreciate their honesty and responsiveness, though some note the experience moves quickly.
US Financial, LLC - Mark Lamerdin focuses on delivering mortgage loans with competitive wholesale rates often lower than banks and credit unions. The team offers home purchase and refinancing services, aiming to close loans within 21 days while providing personalized support through dedicated loan officers. Clients appreciate their clear communication and smooth process.
Specializing in 1031 Exchange transactions and veteran advocacy, Wholesale Mortgage Services offers personalized mortgage solutions backed by extensive resources. The team is known for being responsive and attentive to client needs, providing thorough support throughout the lending process. Some clients note a busy schedule, but overall appreciate the detailed care they receive.
Sage Home Lending specializes in providing personalized mortgage solutions by leveraging a broad network of lending partners to offer competitive rates and terms. The team guides clients through every step of purchasing or refinancing a home, focusing on clear communication and tailored financing options. Customers appreciate the smooth, transparent process and responsive support throughout.
Specializing in personalized mortgage guidance, Becky Wishart helps clients navigate home loans with patience and clear communication. The team focuses on finding the best financial fit for each individual, making the process feel manageable and supportive. Customers appreciate the responsiveness and thoroughness, though some note the experience can be detailed as they explore all options.
Raintree Mortgage holds an active NMLS license and focuses on helping clients secure favorable home loan rates. The team guides customers through purchases and refinancing with clear communication and timely service. Reviews highlight their professionalism and smooth process, especially during challenging times.
Lenders made 5,659 home-purchase loans in Washoe County in 2025 (average about $517,000) and denied 661 — 10% of decided applications, compared with 12% across Nevada, according to federal mortgage data (HMDA, CFPB). In Reno, the median home is worth $548,300 and 65% of owners have a mortgage, paying a median $2,113 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Washoe 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 | Guild Mortgage - Jorge I Montoya Morales | 5.0 | 743 | Quoted per loan | (775) 253-8447 | Visit |
| 2 | Guild Mortgage - Amanda Rea | 5.0 | 328 | — | (775) 345-3155 | Visit |
| 3 | Home Wealth Funding, Inc | 5.0 | 306 | $50 | (775) 298-1380 | Visit |
| 4 | Kevin Areia - Mortgage Advisor at Stanford Mortgage | 5.0 | 279 | — | (775) 500-1932 | Visit |
| 5 | Kevin Edwards Mortgage Broker | 5.0 | 191 | — | (775) 313-1165 | Visit |
| 6 | US Financial, LLC - Mark Lamerdin | 5.0 | 76 | Quoted per loan | (775) 829-7979 | Visit |
| 7 | Wholesale Mortgage Services | 5.0 | 64 | Quoted per loan | (775) 825-1600 | Visit |
| 8 | Sage Home Lending - Rashelle Kotch | 5.0 | 59 | Quoted per loan | (775) 204-6698 | Visit |
| 9 | Becky Wishart | Reno Home Loans Specialist | 5.0 | 48 | Quoted per loan | (775) 233-0615 | Visit |
| 10 | Raintree Mortgage: Chad Satterwhite, Mortgage Broker NMLS #293351 | 5.0 | 46 | Quoted per loan | (775) 852-5100 | 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.