How much house can you afford in Buffalo? 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 |
|---|
HUNT Mortgage (NMLS #37405)
4.9 · 351 reviews · Free pre-approval
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NACA
4.6 · 327 reviews · Free pre-approval
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Queen City Funding, Inc.
4.9 · 229 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 →
HUNT Mortgage (NMLS #37405) offers mortgage pre-approval and lending services with a focus on working closely with real estate agents. The team provides professional support throughout the loan process, though some customers have experienced delays in addressing issues that affected closing timelines.
NACA specializes in helping first-time homebuyers access affordable loans with low interest and no closing costs. Their team offers free workshops and ongoing support throughout the training and application process, often including in-house realtors to guide buyers. Some clients find the process challenging and have experienced delays, but many appreciate the personalized assistance.
Queen City Funding, Inc. is known for its fast approvals and clear communication throughout the mortgage process. The team offers mortgage brokerage services, guiding clients with knowledgeable support and regular updates. Customers appreciate their responsiveness and the way they simplify what can often feel overwhelming.
Licensed across multiple states, Premium Mortgage Corporation offers home purchase, refinancing, and investment property financing with a focus on clear communication and personalized support. Clients appreciate the knowledgeable loan officers and smooth process, though experiences may vary depending on the specific team member they work with.
Haus Capital Corporation specializes in personalized mortgage financing through an independent brokerage model that offers access to a wide range of loan programs and lenders. The team assists with home purchases, refinancing, investment properties, and commercial financing, guiding clients clearly and professionally throughout the process. Customers appreciate their responsiveness and the ease… more...
Haus Capital Corporation specializes in personalized mortgage financing through an independent brokerage model that offers access to a wide range of loan programs and lenders. The team assists with home purchases, refinancing, investment properties, and commercial financing, guiding clients clearly and professionally throughout the process. Customers appreciate their responsiveness and the ease of working around busy schedules.
LenderLogix specializes in mortgage software solutions designed to automate clerical tasks and streamline the loan origination process, particularly for users of the Encompass platform. Their products, including a digital loan officer assistant and automated pre-approval tools, help mortgage teams improve efficiency and borrower experience. Some users note concerns about third-party marketing… more...
LenderLogix specializes in mortgage software solutions designed to automate clerical tasks and streamline the loan origination process, particularly for users of the Encompass platform. Their products, including a digital loan officer assistant and automated pre-approval tools, help mortgage teams improve efficiency and borrower experience. Some users note concerns about third-party marketing calls linked to the company’s information sharing.
Known for guiding first-time homebuyers through the mortgage process with clear communication and attentive support, Haus Capital Corp helps clients secure loans smoothly. The team offers personalized mortgage services and is appreciated for keeping customers informed and on track. Some find the process demanding but manageable with their assistance.
Banas Mortgage Co LTD offers clear, straightforward guidance throughout the mortgage process, helping clients navigate each step with ease. The team provides competitive rates and a professional approach, making the experience less stressful compared to larger online brokers. Customers appreciate their clarity and support during what can be a complex process.
With over 20 years in the mortgage industry, Supreme Lending Buffalo operates as a direct lender offering no-cost pre-qualification and competitive loan options. Their team handles processing and underwriting in-house, helping to keep the mortgage process efficient and transparent. Customers appreciate the clear communication and smooth transactions throughout their homebuying experience.
About New American FundingNew American Funding is a national mortgage lender dedicated to providing exceptional customer service and a streamlined home loan process. Founded with a commitment to innovation and integrity, the company has grown to become a trusted name in the mortgage industry. Their mission is to help individuals and families achieve their homeownership dreams by offering a wide… more...
About New American FundingNew American Funding is a national mortgage lender dedicated to providing exceptional customer service and a streamlined home loan process. Founded with a commitment to innovation and integrity, the company has grown to become a trusted name in the mortgage industry. Their mission is to help individuals and families achieve their homeownership dreams by offering a wide range of mortgage products and personalized support. With a focus on transparency and client satisfaction, New American Funding strives to make the mortgage experience as smooth and stress-free as possible. Their team of experienced professionals is committed to guiding clients through every step of the loan process, ensuring they find the best solutions for their unique financial needs.Credibility and ExpertiseNew American Funding has established a strong reputation for reliability and expertise in the mortgage lending sector. They are recognized for their commitment to ethical practices and customer-centric approach. The company holds an NMLS ID#6606, underscoring its adherence to regulatory standards. Their dedication to service excellence is reflected in their numerous accolades and positive customer testimonials. New American Funding emphasizes continuous improvement and professional development for its staff, ensuring they are equipped with the latest industry knowledge and best practices. This focus on quality and trustworthiness makes them a preferred choice for many seeking mortgage services.Offerings and SolutionsNew American Funding offers a comprehensive suite of mortgage products designed to meet diverse borrower needs. This includes conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans, among others. They specialize in providing tailored solutions for first-time homebuyers, those looking to refinance, or individuals seeking investment property financing. The company prides itself on its efficient loan processing and closing times, aiming to provide a seamless experience from application to funding. Their commitment extends to offering competitive rates and flexible terms, ensuring clients receive value and support throughout their home financing journey.Unique AdvantagesNew American Funding distinguishes itself through its robust technology platform, offering convenient online tools for loan applications and management. They also provide extensive educational resources to empower borrowers with knowledge about the mortgage process. Their commitment to diversity and inclusion is evident in their efforts to serve a wide range of communities. The company's national presence, combined with local expertise, allows them to offer personalized service across various markets.
Lenders made 8,211 home-purchase loans in Erie County in 2025 (average about $316,000) and denied 856 — 9% of decided applications, compared with 13% across New York, according to federal mortgage data (HMDA, CFPB). In Buffalo, the median home is worth $164,200 and 51% of owners have a mortgage, paying a median $1,207 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Erie 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 | HUNT Mortgage (NMLS #37405) | 4.9 | 351 | — | (888) 433-8373 | Visit |
| 2 | NACA | 4.6 | 327 | Quoted per loan | (716) 834-6222 | Visit |
| 3 | Queen City Funding, Inc. | 4.9 | 229 | — | (716) 799-0846 | Visit |
| 4 | Premium Mortgage Corporation | 4.7 | 142 | — | (716) 633-0501 | Visit |
| 5 | Haus Capital Corporation | 4.4 | 51 | — | (716) 588-4287 | Visit |
| 6 | LenderLogix LLC | 4.9 | 39 | — | (716) 799-1504 | Visit |
| 7 | Samer Hanash, MBA (Haus Capital Corp) | 5.0 | 36 | — | (716) 815-2406 | Visit |
| 8 | Banas Mortgage Co LTD | 4.2 | 20 | — | (716) 633-5888 | Visit |
| 9 | Supreme Lending Buffalo | 4.4 | 19 | — | (716) 929-6800 | Visit |
| 10 | New American Funding - Buffalo | 5.0 | 1 | — | — | 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.