How much house can you afford in New York? 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 |
|---|
Jumbo Loan Experts LLC
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
Block Financial Resources
4.8 · 40 reviews · Free pre-approval
Get pre-approved →
The Funding Store
5.0 · 38 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 →
Specializing in jumbo loans since 2009, this team focuses on clear communication and honest guidance throughout the mortgage process. They assist with home financing and refinancing, often praised for their thorough explanations and proactive approach. Some clients note the straightforward style may feel direct but appreciate the transparency.
Block Financial Resources specializes in quick preapprovals and refinancing with competitive rates and low closing costs. Their team guides clients through home purchases and refinancing with clear communication and steady support, though experiences may vary depending on the assigned broker. Customers appreciate their responsiveness and ability to simplify complex processes.
The Funding Store works with a large network of over 100 lenders to offer competitive rates on a variety of loan types, including conventional, jumbo, VA, and commercial mortgages. The team is known for guiding clients through the process with clear communication and personalized attention, though their fees are sometimes noted alongside closing costs.
Known for guiding clients through complex real estate transactions, Diversified Funding Group USA focuses on personalized mortgage solutions for buyers and refinancers. Their team takes time to understand each client’s goals, offering clear advice and steady support throughout the process. Customers appreciate their responsiveness and thorough communication, though some note the detailed… more...
Known for guiding clients through complex real estate transactions, Diversified Funding Group USA focuses on personalized mortgage solutions for buyers and refinancers. Their team takes time to understand each client’s goals, offering clear advice and steady support throughout the process. Customers appreciate their responsiveness and thorough communication, though some note the detailed documentation can require patience.
Hasanov Capital specializes in innovative lending solutions for business and property investment loans. Their team handles everything from application to closing with clear communication and efficiency, often simplifying the paperwork process. Clients appreciate their responsiveness and straightforward approach, though some note the detailed documentation required.
Morty specializes in a tech-first mortgage experience that lets homebuyers handle much of the loan process online, saving both time and money. The team offers competitive rates and smooth closings, with many customers appreciating their responsive support and easy-to-use platform. Some note the timeline can affect final decisions, but overall the process is straightforward.
Real Estate Funding Solutions offers a distinctive approach by allowing clients to use their own credit reports during approval, avoiding multiple credit checks that can affect scores. The team handles various real estate funding needs with responsive communication and a smooth process, though some deals may take a few weeks to close.
To save time, money and stress, we negotiate home loans with the lender. Our team will work closely with you to determine your needs and then present you multiple options for financing. We have access to hundreds of products from over 30 lenders including major banks. You get a better deal if you have more than one. We will handle all the paperwork, research, credit advice and paperwork, as well… more...
To save time, money and stress, we negotiate home loans with the lender. Our team will work closely with you to determine your needs and then present you multiple options for financing. We have access to hundreds of products from over 30 lenders including major banks. You get a better deal if you have more than one. We will handle all the paperwork, research, credit advice and paperwork, as well as support you through settlement.
We have been working for owners for decades. Our relationships with lenders are strong and we understand the market. This can make it possible to get financing. Our track record is proven to be able to close financing deals, from quotations to closing. We have strong banking relationships that allow us to treat each other with respect and address all problems professionally, in the hope of… more...
We have been working for owners for decades. Our relationships with lenders are strong and we understand the market. This can make it possible to get financing. Our track record is proven to be able to close financing deals, from quotations to closing. We have strong banking relationships that allow us to treat each other with respect and address all problems professionally, in the hope of resolving them.
About ChaseChase is a leading financial services firm, offering a wide range of banking, credit card, investment, and home lending products. With a history rooted in providing financial solutions, Chase is dedicated to helping individuals and businesses achieve their financial goals. The company emphasizes customer-centricity, offering personalized services and innovative digital tools to manage… more...
About ChaseChase is a leading financial services firm, offering a wide range of banking, credit card, investment, and home lending products. With a history rooted in providing financial solutions, Chase is dedicated to helping individuals and businesses achieve their financial goals. The company emphasizes customer-centricity, offering personalized services and innovative digital tools to manage finances effectively. Chase operates a vast network of branches and ATMs, ensuring accessibility for its diverse customer base. Their mission is to be the world's most indispensable partner for clients by providing exceptional service, expertise, and value.Credentials & TrustChase is a trusted financial institution, operating under JPMorgan Chase Bank, N.A., a wholly-owned subsidiary of JPMorgan Chase & Co. As a member of the FDIC and an Equal Housing Opportunity lender, Chase adheres to strict regulatory standards and ethical practices. The company is committed to protecting its customers through robust security measures and educational resources on fraud prevention. Customer trust is paramount, reflected in their dedication to transparency and reliable financial services.Chase OfferingsChase provides a comprehensive suite of financial products and services. This includes various checking and savings accounts, Certificates of Deposit (CDs), and a wide array of credit cards offering rewards, cash back, and travel perks. For homeownership, Chase offers mortgage loans, home equity lines of credit (HELOCs), and refinancing options, supported by mortgage calculators and educational resources. Auto financing for new and used vehicles is also available, along with a payment calculator and educational center. For businesses, Chase offers checking accounts, merchant services, small business loans, and business credit cards, alongside a dedicated business resource center.Unique AdvantagesChase distinguishes itself through its extensive physical presence with over 14,000 ATMs and 5,000 branches, combined with advanced digital banking capabilities. The company offers personalized financial advice through J.P. Morgan advisors and a dedicated Chase Private Client program providing priority service and exclusive benefits. Chase also leverages exclusive partnerships in sports and entertainment, enhancing customer engagement and offering unique experiences.
Lenders made 5,420 home-purchase loans in New York County in 2025 (average about $1,205,000) and denied 858 — 14% of decided applications, compared with 13% across New York, according to federal mortgage data (HMDA, CFPB). In New York, the median home is worth $777,600 and 56% of owners have a mortgage, paying a median $3,293 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in New York 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 | Jumbo Loan Experts LLC | 5.0 | 100 | Quoted per loan | (877) 545-8626 | Visit |
| 2 | Block Financial Resources | 4.8 | 40 | Quoted per loan | (212) 933-0157 | Visit |
| 3 | The Funding Store | 5.0 | 38 | Quoted per loan | (212) 365-0025 | Visit |
| 4 | Diversified Funding Group USA | 5.0 | 37 | Quoted per loan | (212) 742-7800 | Visit |
| 5 | Hasanov Capital | 5.0 | 36 | $5,000 | (646) 330-4601 | Visit |
| 6 | Morty | 4.8 | 30 | Quoted per loan | (844) 457-8564 | Visit |
| 7 | Real Estate Funding Solutions | 5.0 | 14 | $50 | (855) 913-8637 | Visit |
| 8 | hfinance - Expat Mortgage Broker | 5.0 | 2 | — | (02) 7252 5535 | Visit |
| 9 | RSA Mortgage Brokerage | 5.0 | 1 | — | (212) 214-9220 | Visit |
| 10 | Chase Mortgage | 5.0 | 1 | — | (914) 964-0452 | 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.