×

Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Ohio
  4. Cleveland
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Cleveland, OH

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

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Cleveland

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

AMKO Lending, LLC

Verified

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.

Services & Prices
Application Processing, Document Preparation, Loan Closing Assistance)
Pre-qualification, Loan Application, Rate Locking)
View Profile
(216) 559-6294
Open 8:00 AM - 7:00 PM
2019 Center St Unit 103, Cleveland, OH 44113
General Services
Home Equity Loan
2

CrossCountry Mortgage - Corporate HQ

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.

View Profile
(877) 351-3400
Closed Now
2160 Superior Ave, Cleveland, OH 44114
3

Social Mortgage LLC.

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.

View Profile
(216) 306-0225
Closed Now
1861 W 25th St, Cleveland, OH 44113
4

Texana Bank Mortgage

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.

Services & Prices
Home Purchase Mortgages Quoted per loan
VA Home Loans Quoted per loan
Mortgage Refinancing Quoted per loan
View Profile
(888) 272-8264
Open 8:00 AM - 2:00 PM
812 Huron Rd E Suite 719, Cleveland, OH 44115
General Services
Mortgage Services
5

Rick Kuczmarski at CrossCountry Mortgage

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(216) 373-7425
Closed Now
2160 Superior Ave E, Cleveland, OH 44114
General Services
Mortgage Services
Where they are 9 on the map Click a pin for the profile and directions
6

Ruoff Mortgage - Cleveland

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.

View Profile
(216) 862-4262
Closed Now
1400 W 10th St Ste 101, Cleveland, OH 44113
7

Jennifer Jones at CrossCountry Mortgage

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.

Services & Prices
Home Loan Purchase Quoted per loan
Refinancing Options Quoted per loan
View Profile
(586) 770-3400
Closed Now
2160 Superior Ave, Cleveland, OH 44114
General Services
Mortgage Services
8

Eric Lawson at CrossCountry Mortgage, LLC

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.

View Profile
(440) 376-3011
Open 00:00 - 23:59
2160 Superior Ave, Cleveland, OH 44114
9

Scott Reese at CrossCountry 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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(216) 877-1270
Closed Now
2160 Superior Ave E, Cleveland, OH 44114
General Services
Home Loan Services

Cleveland Mortgage Statistics

Home-purchase lending in Cuyahoga County and home costs in Cleveland, OH (latest HMDA and Census data)

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).

Home-purchase loans, 2025
13,280▲ 4%12,824 in 2024
Denial rate
11%OH 11%
Median home value
$102,000OH $214,800
Monthly cost with a mortgage
$1,193median · OH $1,517
Refinance loans made (Cuyahoga County, 2025)
8,589 · 5,821 in 2024
Home-improvement loans made (2025)
3,194
Average home-purchase loan
$254,000 (OH $282,000)
Owners with a mortgage
52% · 31% of them spend 30%+ of income on housing
Median household income
$40,801 (OH $71,389)

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.

Cleveland Mortgage Brokers stats: 9 businesses compared side by side · updated
# 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

How this Cleveland mortgage affordability calculator works

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.

Ohio rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 1.28% of the home's value a year, the Ohio average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

8 questions
How does the Cleveland mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and buyer status. It includes mortgage, PMI, and property tax.
How accurate is the mortgage estimate from this calculator?
The estimate is a guideline. Pre-approval from a lender confirms the real number by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Ohio?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in Cleveland?
First-time buyers can pay as little as 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down.
How do interest rates affect mortgage affordability in Cleveland?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts at 7.40%, reflecting current averages.
How do my debts impact how much mortgage I can get in Ohio?
Higher monthly debts reduce the mortgage amount you qualify for. Lenders consider total debt payments in your debt-to-income ratio.
What are property taxes like in Ohio for homebuyers?
Property tax is about 1.28% of the home's value annually. This is included in the mortgage affordability calculation.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a confirmed loan amount. Pre-qualification is a preliminary estimate.

General information, not financial advice — consult a qualified professional.