How much house can you afford in Cincinnati? 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 |
|---|
Union Home Mortgage - Mount Adams
4.9 · 597 reviews · Free pre-approval
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PrimeLending, A PlainsCapital Company - Cincinnati
4.9 · 216 reviews · Free pre-approval
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Union Home Mortgage - Cincinnati
4.8 · 194 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 →
Union Home Mortgage - Mount Adams focuses on providing a supportive and personal mortgage experience that helps ease the stress of home financing. The team offers a range of mortgage services with a responsive approach that customers appreciate for its speed and professionalism. Some clients note a strong sense of being treated like family throughout the process.
Known for guiding first-time homebuyers through the loan process with clear explanations and steady support, PrimeLending, A PlainsCapital Company offers mortgage brokering services tailored to individual needs. Customers appreciate the team’s patience and communication, though the process can feel complex at times. Their connections with local title and insurance providers also help streamline… more...
Known for guiding first-time homebuyers through the loan process with clear explanations and steady support, PrimeLending, A PlainsCapital Company offers mortgage brokering services tailored to individual needs. Customers appreciate the team’s patience and communication, though the process can feel complex at times. Their connections with local title and insurance providers also help streamline closing.
Union Home Mortgage in Cincinnati offers mortgage services backed by over 25 years of experience, with a focus on clear communication and reliability. The team assists with home loans and refinancing, keeping clients and agents informed throughout the process. Some customers note occasional delays in weekend support and billing issues.
Known for a customer-focused approach and flexible communication, Vincent DeRisi Home Loans at Union Home Mortgage helps borrowers navigate a variety of loan options, including conventional, FHA, VA, and USDA programs. Clients appreciate the team’s accessibility and support throughout the mortgage process, though some note the need for patience during paperwork submission.
Known for competitive rates and a fast, straightforward loan process, Superior Mortgage Services offers help with home purchases, refinancing, and various loan programs. Clients appreciate the team’s clear communication and responsiveness, noting a smooth experience even when navigating complex mortgage details.
With two decades of experience and a focus on protecting clients beyond just closing loans, Zipfel Capital offers residential and commercial mortgage solutions tailored to diverse needs. The team is known for clear communication and steady guidance, helping borrowers navigate complex financing smoothly, though some clients note the process can involve multiple steps.
Known for personalized service and local expertise in Cincinnati, Justin Allen - Union Home Mortgage offers a full range of home financing options, including conventional, FHA, VA, and construction loans. Clients appreciate the clear communication, helpful resources for first-time buyers, and smooth, timely closings, though occasional challenges arise in complex transactions.
Known for clear communication and reliable availability, David Behymer - Union Home Mortgage helps clients navigate home loan processes with ease. The team offers mortgage brokering services and is appreciated for keeping customers informed and addressing concerns promptly. Some clients note the process can be lengthy, but the support remains consistent throughout.
With over 45 years of combined experience, All Home Mortgages specializes in a wide range of home loan options including FHA, VA, USDA, and jumbo loans across several states. The team is known for clear communication and responsiveness, helping clients navigate complex situations with patience and detailed explanations.
Known for clear communication and steady guidance, Ravi Patel - Union Home Mortgage helps clients navigate the loan process with confidence. The team offers mortgage brokerage services, explaining each step thoroughly and responding promptly to questions. Customers appreciate their reliability and the ease they bring to what can be a complex experience.
Lenders made 9,385 home-purchase loans in Hamilton County in 2025 (average about $340,000) and denied 899 — 9% of decided applications, compared with 11% across Ohio, according to federal mortgage data (HMDA, CFPB). In Cincinnati, the median home is worth $230,900 and 66% of owners have a mortgage, paying a median $1,640 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Hamilton 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 | Union Home Mortgage - Mount Adams | 4.9 | 597 | — | (513) 592-3838 | Visit |
| 2 | PrimeLending, A PlainsCapital Company - Cincinnati | 4.9 | 216 | $100 | (513) 698-8001 | Visit |
| 3 | Union Home Mortgage - Cincinnati | 4.8 | 194 | — | (513) 985-3000 | Visit |
| 4 | Vincent DeRisi Home Loans - Union Home Mortgage | 5.0 | 171 | Quoted per loan | (646) 261-4102 | Visit |
| 5 | Superior Mortgage Services, Inc | 5.0 | 123 | Quoted per loan | (513) 474-0899 | Visit |
| 6 | Zipfel Capital | 4.9 | 108 | Quoted per loan | (513) 321-0111 | Visit |
| 7 | Justin Allen - Union Home Mortgage | 5.0 | 98 | Quoted per loan | (614) 597-4629 | Visit |
| 8 | David Behymer - Union Home Mortgage | 5.0 | 82 | Quoted per loan | (859) 308-9231 | Visit |
| 9 | All Home Mortgages, LLC | 4.9 | 57 | Quoted per loan | (513) 470-9939 | Visit |
| 10 | Ravi Patel - Union Home Mortgage | 5.0 | 32 | Quoted per loan | (404) 556-1157 | — |
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.