How much house can you afford in Toledo? 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 |
|---|
Mariner Finance
4.9 · 267 reviews · Free pre-approval
Get pre-approved →
GVC Mortgage, NMLS# 2334
5.0 · 193 reviews · Free pre-approval
Get pre-approved →
Ron Erdmann- Guaranteed Rate
5.0 · 60 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 →
Known for working closely with clients facing tight financial situations, Mariner Finance offers mortgage brokering with a focus on personalized support. The team provides clear explanations and a friendly approach, helping customers feel comfortable throughout the process. Some clients note the experience can be quick and straightforward.
GVC Mortgage, NMLS# 2334, is known for its approachable team that guides first-time homebuyers with patience and clear communication. They offer mortgage brokerage services focused on making the loan process smooth and understandable. While customers appreciate their kindness and availability, some note occasional delays due to internal coordination challenges.
Known for quick pre-approvals and a range of specialized mortgage programs, Ron Erdmann- Guaranteed Rate focuses on making home financing straightforward and accessible. The team assists with purchases, refinancing, VA loans, and options for self-employed clients, often praised for clear communication and helpful digital tools. Some customers note the process can be busy during peak times.
Known for working directly with borrowers rather than through brokers, Charles Scheib Mortgage Lending offers a wide range of loan programs including Conventional, FHA, VA, USDA, and specialized loans for professionals and investors. Clients appreciate the team’s responsiveness and clear guidance throughout the mortgage process.
Known for clear communication and steady guidance, United Alliance Mortgage, LLC helps clients navigate home financing with regular updates and timely closings. The team assists with rate buy-downs and supports buyers through each step, making the process straightforward and manageable. Some clients note the experience is very personal and attentive.
CrossCountry Mortgage focuses on guiding first-time homebuyers through the mortgage process with clear explanations and attentive communication. The team offers personalized mortgage solutions and stays responsive to questions via phone and text. Customers appreciate the supportive, step-by-step approach, though the process can sometimes take time.
Midwest Mortgage Investments Ltd focuses on making the loan process straightforward and responsive, with loan officers often available beyond regular hours. They offer a wide range of mortgage options, including purchase, renovation, and reverse mortgages, along with helpful tools to guide clients. While many appreciate their support and accessibility, some note occasional communication… more...
Midwest Mortgage Investments Ltd focuses on making the loan process straightforward and responsive, with loan officers often available beyond regular hours. They offer a wide range of mortgage options, including purchase, renovation, and reverse mortgages, along with helpful tools to guide clients. While many appreciate their support and accessibility, some note occasional communication challenges and delays.
Guaranteed Rate offers quick 5-minute pre-approvals and specialized loan programs tailored to various borrower needs, including self-employed individuals, medical professionals, and veterans. Their services cover home purchases, refinancing, HELOCs, and reverse mortgages, with options like rate locking and same-day approvals. Customers appreciate the knowledgeable team and smooth, supportive… more...
Guaranteed Rate offers quick 5-minute pre-approvals and specialized loan programs tailored to various borrower needs, including self-employed individuals, medical professionals, and veterans. Their services cover home purchases, refinancing, HELOCs, and reverse mortgages, with options like rate locking and same-day approvals. Customers appreciate the knowledgeable team and smooth, supportive process.
About 1st Source1st Source Bank is a financial institution that offers a comprehensive range of banking and financial services to individuals and businesses. With a commitment to serving its communities, the bank provides personal banking solutions including checking, savings, credit cards, and various loan options such as personal, auto, and home loans. For businesses, 1st Source Bank offers… more...
About 1st Source1st Source Bank is a financial institution that offers a comprehensive range of banking and financial services to individuals and businesses. With a commitment to serving its communities, the bank provides personal banking solutions including checking, savings, credit cards, and various loan options such as personal, auto, and home loans. For businesses, 1st Source Bank offers commercial banking services, including business checking and savings accounts, credit cards, loans, leasing, treasury services, and retirement plan services. The bank emphasizes its role in helping customers achieve their financial goals, whether it's buying a home, growing a business, or planning for the future. They pride themselves on building strong relationships and offering personalized financial guidance.Credibility and Trust1st Source Bank has established a strong reputation built on trust and reliability. While specific certifications and awards are not detailed on this page, the bank highlights its long-standing presence and commitment to customer satisfaction through testimonials from satisfied clients. They emphasize their expertise in various financial areas, including mortgages, business lending, and wealth management. The bank's dedication to community involvement and providing sound financial advice further reinforces its credibility. Customers can rely on 1st Source Bank for experienced guidance and a secure financial partnership.Offerings1st Source Bank provides a wide array of financial products and services designed to meet diverse customer needs. For personal banking, they offer checking and savings accounts, credit cards, and a variety of borrowing options including personal loans, auto loans, and home loans/mortgages. Their mortgage services cover home buying, refinancing, and home equity loans or lines of credit. Business clients can access commercial banking services, business loans, leasing, treasury services, retirement plan services, and merchant card services. The bank also offers wealth management and insurance services for both personal and business clients, aiming to provide holistic financial solutions across different life stages and business cycles.Unique Advantages1st Source Bank distinguishes itself through its strong community focus and personalized approach to financial services. They offer specialized services like succession planning for businesses and a unique chatbot named Uno to assist with home loan inquiries. The bank emphasizes building lasting relationships, as evidenced by repeat customers financing multiple assets with them. Their commitment extends to providing financial education and resources, empowering customers to make informed decisions. The testimonials consistently highlight the ease of process and the helpfulness of their team, underscoring a dedication to customer support.
Lenders made 4,473 home-purchase loans in Lucas County in 2025 (average about $217,000) and denied 514 — 10% of decided applications, compared with 11% across Ohio, according to federal mortgage data (HMDA, CFPB). In Toledo, the median home is worth $114,500 and 55% of owners have a mortgage, paying a median $1,156 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Lucas 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 | Mariner Finance | 4.9 | 267 | Quoted per loan | (567) 316-6088 | Visit |
| 2 | GVC Mortgage, NMLS# 2334 | 5.0 | 193 | — | (567) 298-4670 | Visit |
| 3 | Ron Erdmann- Guaranteed Rate | 5.0 | 60 | — | (419) 392-2410 | Visit |
| 4 | Charles Scheib Mortgage Lending | 4.9 | 53 | — | (419) 750-0000 | Visit |
| 5 | United Alliance Mortgage, LLC | 5.0 | 41 | — | (614) 967-9895 | Visit |
| 6 | Tina Melody Mahn at CrossCountry Mortgage | 5.0 | 38 | — | (216) 290-3727 | Visit |
| 7 | Midwest Mortgage Investments Ltd | 4.3 | 42 | — | (888) 283-5626 | Visit |
| 8 | Guaranteed Rate | 5.0 | 17 | Quoted per loan | (419) 392-2410 | Visit |
| 9 | First Source Mortgage | 5.0 | 2 | — | (419) 242-9830 | Visit |
| 10 | WCT45, INC | 5.0 | 1 | — | (419) 370-2354 | — |
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.