How much house can you afford in Cleveland? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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 |
|---|
AMKO Lending, LLCVerified
5.0 · 534 reviews · Free pre-approval
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CrossCountry Mortgage - Corporate HQ
5.0 · 4836 reviews · Free pre-approval
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Social Mortgage LLC.
5.0 · 513 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 personalized approach and 24/7 availability, AMKO Lending helps a diverse range of clients—from first-time buyers to investors—navigate home loans by comparing options across multiple lenders. The team guides customers through purchases, refinancing, and specialty loans, with many appreciating clear communication and ongoing support throughout the process.
CrossCountry Mortgage offers clear guidance through the home loan process, helping clients navigate purchases and refinancing with ease. Their team provides attentive communication and breaks down complex details into understandable steps. Customers appreciate the smooth experience and knowledgeable support throughout each transaction.
Social Mortgage emphasizes building strong client relationships through a personalized, supportive approach that helps ease the home financing process. They offer a range of mortgage options including purchase and refinance loans, with services extending to monitoring market rates after closing. Customers appreciate the team’s responsiveness and care, though the process can still feel stressful… more...
Social Mortgage emphasizes building strong client relationships through a personalized, supportive approach that helps ease the home financing process. They offer a range of mortgage options including purchase and refinance loans, with services extending to monitoring market rates after closing. Customers appreciate the team’s responsiveness and care, though the process can still feel stressful at times.
Texana Bank Mortgage specializes in VA home loans and offers clear, honest guidance throughout the mortgage process. The team handles everything from first-time purchases to refinancing, keeping clients well-informed and supported. Customers appreciate their responsiveness and personal approach, though some note the process can take time depending on individual circumstances.
CrossCountry Mortgage focuses on providing a smooth homebuying experience through a combination of personalized service and advanced technology. Their team offers a range of loan options, including conventional, FHA, VA, and refinancing services, with clear communication throughout the process. Customers appreciate the thorough guidance and responsiveness, though some note the process can require… more...
CrossCountry Mortgage focuses on providing a smooth homebuying experience through a combination of personalized service and advanced technology. Their team offers a range of loan options, including conventional, FHA, VA, and refinancing services, with clear communication throughout the process. Customers appreciate the thorough guidance and responsiveness, though some note the process can require patience.
Ruoff Mortgage in Cleveland is known for its knowledgeable team that works hard to find competitive home loan and refinance rates. The agents are accessible and often go beyond regular hours to assist clients, especially busy homeowners. While some customers have noted occasional paperwork delays, many appreciate the team’s expertise and responsiveness.
Known for clear communication and responsiveness, this mortgage team guides clients smoothly through each step of the home loan process. They offer multiple loan options and work closely with realtors to meet individual financial needs. Customers appreciate the timely updates and personalized attention, though some note the process can feel detailed for first-timers.
CrossCountry Mortgage, LLC focuses on guiding homebuyers through the mortgage process with clear communication and responsiveness. The team offers personalized financing options and support from application to closing. Customers appreciate their patience and availability, which helps ease the stress often associated with securing a mortgage.
CrossCountry Mortgage focuses on clear communication and personalized support throughout the home loan process. The team offers mortgage brokerage services, guiding clients step-by-step and staying accessible for questions. Customers appreciate their patience and thorough explanations, making the experience more understandable and less stressful.
Lenders made 13,280 home-purchase loans in Cuyahoga County in 2025 (average about $254,000) and denied 1,614 — 11% of decided applications, compared with 11% across Ohio, according to federal mortgage data (HMDA, CFPB). In Cleveland, the median home is worth $102,000 and 52% of owners have a mortgage, paying a median $1,193 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Cuyahoga 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 | AMKO Lending, LLC | 5.0 | 534 | — | (216) 559-6294 | Visit |
| 2 | CrossCountry Mortgage - Corporate HQ | 5.0 | 4836 | — | (877) 351-3400 | Visit |
| 3 | Social Mortgage LLC. | 5.0 | 513 | — | (216) 306-0225 | Visit |
| 4 | Texana Bank Mortgage | 5.0 | 111 | Quoted per loan | (888) 272-8264 | Visit |
| 5 | Rick Kuczmarski at CrossCountry Mortgage | 5.0 | 88 | Quoted per loan | (216) 373-7425 | Visit |
| 6 | Ruoff Mortgage - Cleveland | 4.8 | 90 | — | (216) 862-4262 | Visit |
| 7 | Jennifer Jones at CrossCountry Mortgage | 5.0 | 49 | Quoted per loan | (586) 770-3400 | Visit |
| 8 | Eric Lawson at CrossCountry Mortgage, LLC | 4.9 | 44 | — | (440) 376-3011 | Visit |
| 9 | Scott Reese at CrossCountry Mortgage | 5.0 | 43 | Quoted per loan | (216) 877-1270 | 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.