How much house can you afford in Eugene? 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.
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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 |
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Guild Mortgage - Ladelle White
5.0 · 228 reviews · Free pre-approval
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Paramount Mortgage Company
5.0 · 142 reviews · Free pre-approval
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Summer Freeman, NMLS# 360504- Mortgage Marketplace
5.0 · 116 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 clear communication and prompt service, Guild Mortgage - Ladelle White offers a variety of loan options including fixed-rate, adjustable-rate, and government-backed mortgages. The team guides borrowers through each step with personalized support, helping clients navigate tight timelines and complex decisions. Some customers note the fast pace can feel intense but appreciate the thorough… more...
Known for clear communication and prompt service, Guild Mortgage - Ladelle White offers a variety of loan options including fixed-rate, adjustable-rate, and government-backed mortgages. The team guides borrowers through each step with personalized support, helping clients navigate tight timelines and complex decisions. Some customers note the fast pace can feel intense but appreciate the thorough assistance.
Paramount Mortgage Company has been serving Oregon since 1997 as an independent broker focused on educating borrowers and maintaining transparency. They offer a wide range of loan options, including specialized programs like asset-qualifier and bank statement loans, and work with local underwriters to speed up processing. Customers appreciate their clear explanations and supportive approach… more...
Paramount Mortgage Company has been serving Oregon since 1997 as an independent broker focused on educating borrowers and maintaining transparency. They offer a wide range of loan options, including specialized programs like asset-qualifier and bank statement loans, and work with local underwriters to speed up processing. Customers appreciate their clear explanations and supportive approach throughout the mortgage process.
Licensed across seven states, Mortgage Marketplace offers a wide range of mortgage solutions including purchase loans, refinancing, home equity lines, and investment property financing. Clients appreciate the team’s clear explanations and responsive guidance throughout the process, which helps make home financing less stressful and more transparent.
Eugene Mortgage Brokers specializes in comparing mortgage options across multiple wholesale lenders to secure competitive rates and terms. They assist with a wide range of loans, including first-time homebuyer programs, VA loans, and investment property financing. Clients appreciate their responsive communication and personalized guidance throughout the mortgage process.
American Pacific Mortgage focuses on providing clear, trustworthy guidance through every stage of home financing. They offer a range of loan options, including purchase, refinance, VA, Jumbo, and construction loans, tailored to first-time buyers, investors, and custom home builders. Clients appreciate the team’s expertise and transparent communication, though some may find the process detailed.
About Guild MortgageGuild Mortgage is a leading national mortgage lender with a commitment to helping individuals and families achieve homeownership. Founded with a mission to provide exceptional service and innovative lending solutions, Guild Mortgage has grown to become a trusted name in the industry. The company prides itself on its customer-centric approach, offering a wide range of mortgage… more...
About Guild MortgageGuild Mortgage is a leading national mortgage lender with a commitment to helping individuals and families achieve homeownership. Founded with a mission to provide exceptional service and innovative lending solutions, Guild Mortgage has grown to become a trusted name in the industry. The company prides itself on its customer-centric approach, offering a wide range of mortgage products tailored to meet diverse financial needs. With a strong emphasis on integrity, transparency, and community, Guild Mortgage strives to make the home buying and refinancing process as smooth and stress-free as possible for its clients. Their team of experienced professionals is dedicated to guiding borrowers through every step, ensuring they find the right loan to fit their life.Awards & RecognitionGuild Mortgage has consistently been recognized for its excellence in the mortgage industry. The company has received numerous accolades, including being named a Scotsman Guide Top Originator multiple times, reflecting the high performance and dedication of its loan officers. They have also been honored with awards such as MEM Top 1, President's Club, and recognition in the Scotsman Guide's Top Originators lists for consecutive years. These awards underscore Guild Mortgage's commitment to quality service, competitive offerings, and customer satisfaction. Their consistent recognition by industry publications and organizations highlights their standing as a reliable and high-achieving mortgage provider.Guild Mortgage ServicesGuild Mortgage offers a comprehensive suite of mortgage services designed to cater to a wide array of homebuyer needs. This includes options for purchasing a first home, refinancing an existing mortgage, and exploring specialized loan programs such as those for military service members or high-cost markets. They provide various loan types, including fixed-rate and adjustable-rate mortgages, and offer tools like mortgage calculators to help clients understand their financial options. Guild Mortgage also supports homebuyers with resources for down payment assistance and guidance on navigating the complexities of home financing. Their service areas are nationwide, with a focus on providing personalized solutions and expert advice to ensure clients secure the most suitable loan program.Unique AdvantagesGuild Mortgage distinguishes itself through its extensive experience, having been in the mortgage industry for over 15 years, with a particular focus on educating clients. They offer a broad spectrum of loan programs tailored to diverse needs, including specialized options for first-time homebuyers and those relocating. The company emphasizes a personalized approach, with loan officers dedicated to understanding individual client goals and structuring plans accordingly. Furthermore, Guild Mortgage actively engages in community support through initiatives like Guild Giving, demonstrating a commitment beyond financial transactions.
Known for its personalized approach, Strategic Mortgage Solutions connects Eugene-area clients with a wide range of mortgage options, including FHA, VA, Jumbo, and renovation loans. The team is praised for being responsive and knowledgeable, guiding borrowers smoothly through complex lending processes while staying available and accountable throughout the journey.
Stepping Stone Mortgage specializes in navigating complex mortgage situations, including reverse mortgages and construction loans. The team offers FHA, VA, and conventional financing with a hands-on approach that customers find both knowledgeable and responsive. Some note that the process can be detailed, but the agents stay accessible and supportive throughout.
Licensed in Idaho and Oregon, this mortgage team offers a broad range of loan options including Conventional, FHA, VA, Jumbo, HELOC, Non-QM, and Reverse Mortgages. Clients appreciate the clear communication and helpful tools that make the home financing process easier to understand, though some find the variety of choices a bit overwhelming at first.
With over 25 years of experience, Western Mortgage Brokers, Inc. specializes in a wide range of loan programs, including options for first-time buyers, investors, and refinancing. Their team offers free consultations and pre-qualifications, working through online, phone, or in-person meetings. Customers appreciate their responsive communication and smooth handling of complex transactions.
Lenders made 3,635 home-purchase loans in Lane County in 2025 (average about $389,000) and denied 406 — 10% of decided applications, compared with 10% across Oregon, according to federal mortgage data (HMDA, CFPB). In Eugene, the median home is worth $460,400 and 63% of owners have a mortgage, paying a median $2,119 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Lane 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 | Guild Mortgage - Ladelle White | 5.0 | 228 | — | (541) 343-1995 | Visit |
| 2 | Paramount Mortgage Company | 5.0 | 142 | Quoted per loan | (541) 684-0027 | Visit |
| 3 | Summer Freeman, NMLS# 360504- Mortgage Marketplace | 5.0 | 116 | Quoted per loan | (541) 654-6158 | Visit |
| 4 | Eugene Mortgage Brokers | 4.9 | 109 | Quoted per loan | (541) 972-8620 | Visit |
| 5 | American Pacific Mortgage | 4.9 | 99 | Quoted per loan | (541) 342-7576 | Visit |
| 6 | Guild Mortgage - Trevor Nissen | 5.0 | 77 | — | (541) 343-1995 | Visit |
| 7 | Strategic Mortgage Solutions | 4.9 | 71 | Quoted per loan | (541) 275-1148 | Visit |
| 8 | Stepping Stone Mortgage | 5.0 | 67 | — | (541) 683-3300 | Visit |
| 9 | Michael Hanks, Loan Officer | 5.0 | 39 | Quoted per loan | (541) 844-6165 | Visit |
| 10 | Western Mortgage Brokers, Inc. | 4.7 | 26 | Quoted per loan | (541) 953-4903 | 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.