How much house can you afford in Rochester? 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 |
|---|
PrimeLending, A PlainsCapital Company - Monroe
4.8 · 584 reviews · Free pre-approval
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Premium Mortgage Corporation
4.5 · 332 reviews · Free pre-approval
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Robb E Everhart | Fairway Independent Mortgage Corporation Area Manager
5.0 · 246 reviews · Free pre-approval
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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 →
Known for its streamlined digital process and specialized VA loan programs, PrimeLending, A PlainsCapital Company in Monroe offers a full range of home financing options including purchase, refinance, and renovation loans. The team is praised for clear communication and patience, guiding clients smoothly through each step despite occasional technical challenges.
Known for clear communication and quick responses, Premium Mortgage Corporation helps make home buying smoother and less stressful. The team assists with pre-approvals and closings, often finishing sooner than expected. Customers appreciate their knowledgeable approach, though a few note the process can feel fast-paced.
Fairway Independent Mortgage Corporation focuses on guiding clients through a variety of loan options with clear communication and personalized support. Their services include loans for buying, building, refinancing, and specialized programs like physician and renovation loans. Customers appreciate the team’s responsiveness and the smooth, fast process from application to closing.
Genesee Regional Bank (GRB) focuses on providing timely mortgage pre-approvals and competitive loan rates, helping clients move quickly in competitive markets. The team offers responsive communication and support throughout the loan process, making it straightforward and accessible. Customers appreciate the ease of working with them and their helpful, resourceful approach.
Oxford Capital Mortgage has been serving borrowers since 2004 with a focus on working exclusively for the client, not the lender. They offer a broad range of loan options, including FHA, VA, and construction loans, aiming to simplify the mortgage process. Customers appreciate the team’s personalized support and responsiveness throughout closing.
About AnnieMac Home MortgageAnnieMac Home Mortgage is a privately owned retail mortgage lender dedicated to helping individuals and families achieve their homeownership dreams. With a focus on competitive rates and expert guidance, the company offers a comprehensive suite of mortgage solutions. AnnieMac prides itself on its commitment to customer service, aiming to make the home buying and… more...
About AnnieMac Home MortgageAnnieMac Home Mortgage is a privately owned retail mortgage lender dedicated to helping individuals and families achieve their homeownership dreams. With a focus on competitive rates and expert guidance, the company offers a comprehensive suite of mortgage solutions. AnnieMac prides itself on its commitment to customer service, aiming to make the home buying and refinancing process as smooth and transparent as possible. They leverage technology and a knowledgeable team to provide personalized support throughout the loan journey, ensuring clients are well-informed and confident in their decisions. Their mission is to be a trusted partner in real estate financing, fostering long-term relationships built on integrity and exceptional service.Industry ExpertiseAnnieMac Home Mortgage operates with a strong foundation of industry knowledge and adherence to regulatory standards. As a licensed mortgage lender, they are committed to transparency and consumer protection, as evidenced by their NMLS ID# 338923 and readily available licensing information. The company emphasizes providing accurate and reliable information to borrowers, empowering them to make sound financial choices. Their team of loan originators is equipped with the expertise to navigate complex mortgage landscapes, offering guidance on various loan products and market conditions. This dedication to professionalism and compliance ensures a trustworthy experience for all clients.AnnieMac OffersAnnieMac Home Mortgage provides a wide array of mortgage products designed to meet diverse client needs. These include purchase loans for those looking to buy a new home, refinance loans to potentially lower monthly payments or access equity, and construction loans for custom home builds. They also offer specialized programs like Cash2Keys, HELOCs, and renovation loans. Additionally, AnnieMac provides valuable resources such as purchase and refinance calculators, buyer guides, and informative articles to assist clients in their decision-making process. Their service areas encompass a broad range of mortgage needs, with a focus on delivering tailored solutions and competitive rates.Unique AdvantagesAnnieMac Home Mortgage distinguishes itself through its comprehensive loan options, including specialized programs like Cash2Keys and Rate Relief. They offer robust resources such as calculators and buyer guides to empower consumers. The company also highlights its commitment to transparency with readily available NMLS information and licensing details.
Known for guiding clients smoothly through the home-buying process, Haus Capital Corporation offers mortgage brokerage services with clear communication and personalized support. The team assists with various mortgage needs, and customers appreciate their responsiveness and ability to meet tight deadlines, making complex decisions easier to navigate.
With nearly 40 years as a licensed mortgage banker, Homestead Funding Corp focuses on guiding borrowers through the home financing process with clear explanations and personalized support. Their team offers a variety of loan programs, including reverse mortgages, and is known for keeping clients informed and responsive throughout each step.
Fairway Independent Mortgage Corporation focuses on clear communication to help clients navigate the mortgage process with confidence. The team offers detailed guidance and timely responses, making a typically stressful experience more manageable. Customers appreciate their availability and thorough explanations throughout each step.
Known for combining fast processing with personalized service, Moneyline New York LLC works with a broad network of lenders to offer competitive rates on various loan types, including conventional, jumbo, and VA loans. Clients appreciate the team’s clear communication and efficient digital tools, though some note the process can feel technology-heavy at times.
Lenders made 6,972 home-purchase loans in Monroe County in 2025 (average about $257,000) and denied 524 — 7% of decided applications, compared with 13% across New York, according to federal mortgage data (HMDA, CFPB). In Rochester, the median home is worth $139,600 and 61% of owners have a mortgage, paying a median $1,244 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Monroe 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 | PrimeLending, A PlainsCapital Company - Monroe | 4.8 | 584 | Quoted per loan | (585) 625-0866 | Visit |
| 2 | Premium Mortgage Corporation | 4.5 | 332 | Quoted per loan | (585) 241-0000 | Visit |
| 3 | Robb E Everhart | Fairway Independent Mortgage Corporation Area Manager | 5.0 | 246 | — | (585) 507-9962 | Visit |
| 4 | Joe Petralia, Mortgage Loan Officer @ Genesee Regional Bank (GRB) | 5.0 | 215 | Quoted per loan | (585) 402-5084 | Visit |
| 5 | Oxford Capital Mortgage | 4.6 | 89 | Quoted per loan | (585) 232-7202 | Visit |
| 6 | AnnieMac Home Mortgage | 5.0 | 75 | — | (585) 419-6651 | Visit |
| 7 | Haus Capital Corporation | 4.7 | 78 | Quoted per loan | (585) 461-5656 | Visit |
| 8 | Homestead Funding Corp: Sherri Forbes | NMLS# 589663 | 5.0 | 30 | — | (585) 733-3889 | Visit |
| 9 | Fairway Independent Mortgage Corporation | 5.0 | 24 | — | (585) 512-1090 | Visit |
| 10 | Moneyline New York, LLC | 5.0 | 9 | — | (585) 233-9766 | 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.