How much house can you afford in Philadelphia? 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 |
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The Mike McCann Team
4.8 · 557 reviews · Free pre-approval
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UMortgage
4.8 · 310 reviews · Free pre-approval
Get pre-approved →
Andrew Eckstut, Mortgage Lender NMLS #218196
5.0 · 246 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 →
The Mike McCann Team works closely with homebuyers and sellers, offering support throughout the purchasing and new construction process. Their agents focus on clear communication and attention to detail, helping clients navigate each step. Some customers note occasional delays, but many appreciate the team’s responsiveness and guidance.
UMortgage focuses on a technology-driven approach to make the home loan process clear and straightforward. They offer a variety of mortgage options, including conventional, FHA, VA loans, and refinancing solutions. Customers appreciate the team’s knowledge, responsiveness, and support throughout what can be a complex process.
Licensed Senior Loan Officer NMLS #218196, Andrew Eckstut specializes in guiding clients through home purchases, refinancing, and investment financing with clear, personalized advice. The team is known for prompt communication and a smooth closing process, helping first-time buyers and veterans navigate mortgages with confidence and minimal stress.
With over two decades of mortgage experience, Absolute Home Mortgage Corporation focuses on providing personalized guidance through home buying and refinancing. Their team leverages deep processing and underwriting knowledge to help clients navigate each step clearly and confidently. Customers appreciate their responsiveness and thorough communication throughout the process.
Known for clear communication and responsiveness, Innovative Mortgage Brokers specializes in guiding first-time homebuyers through the mortgage process. The team helps clients understand their options and works to find suitable loans, with customers appreciating their patience and transparency, though some note the process can be detailed and involved.
i Fund Cities focuses on mortgage brokering with a team known for responsive and personable service, especially in handling hard money loans. They assist clients through refinancing and loan closings, though some find the process lengthy and communication inconsistent at times. Customers appreciate the effort and professionalism despite occasional delays.
BHS Mortgages handles the entire closing process in-house, including document preparation and rate lock-ins, offering a more streamlined mortgage experience. They provide a broad range of residential and commercial loan options, along with financial consulting, serving clients across multiple states. Customers appreciate the personalized attention but occasionally note communication can be… more...
BHS Mortgages handles the entire closing process in-house, including document preparation and rate lock-ins, offering a more streamlined mortgage experience. They provide a broad range of residential and commercial loan options, along with financial consulting, serving clients across multiple states. Customers appreciate the personalized attention but occasionally note communication can be inconsistent.
Prosperity Home Mortgage offers a smooth and efficient mortgage process with clear communication and attentive support. The team helps clients understand each step, staying responsive and professional throughout. Customers appreciate their diligence and the ease they bring to what can often be a stressful experience.
Foxtrot Mortgage offers a streamlined online platform that simplifies mortgage applications through user-friendly account management supported by the ARIVE system. The team assists with navigating loan options and pre-approval steps, with customers appreciating their responsiveness and clear communication throughout the process. Some may find the digital approach less personal compared to… more...
Foxtrot Mortgage offers a streamlined online platform that simplifies mortgage applications through user-friendly account management supported by the ARIVE system. The team assists with navigating loan options and pre-approval steps, with customers appreciating their responsiveness and clear communication throughout the process. Some may find the digital approach less personal compared to traditional brokers.
Philadelphia Mortgage Brokers is recognized for clear communication and honest guidance throughout the mortgage process. The team assists with home purchase loans and refinancing, providing straightforward explanations and regular updates on available options. Customers appreciate their professionalism and helpful approach, though some note that paying points upfront may be part of securing the… more...
Philadelphia Mortgage Brokers is recognized for clear communication and honest guidance throughout the mortgage process. The team assists with home purchase loans and refinancing, providing straightforward explanations and regular updates on available options. Customers appreciate their professionalism and helpful approach, though some note that paying points upfront may be part of securing the best rates.
Lenders made 13,143 home-purchase loans in Philadelphia County in 2025 (average about $319,000) and denied 1,654 — 11% of decided applications, compared with 11% across Pennsylvania, according to federal mortgage data (HMDA, CFPB). In Philadelphia, the median home is worth $243,100 and 59% of owners have a mortgage, paying a median $1,620 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Philadelphia 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 | The Mike McCann Team | 4.8 | 557 | — | (215) 607-6007 | Visit |
| 2 | UMortgage | 4.8 | 310 | Quoted per loan | (215) 454-6098 | Visit |
| 3 | Andrew Eckstut, Mortgage Lender NMLS #218196 | 5.0 | 246 | Quoted per loan | (215) 435-5706 | Visit |
| 4 | Absolute Home Mortgage Corporation | 5.0 | 216 | — | (267) 319-1923 | Visit |
| 5 | Innovative Mortgage Brokers | 4.9 | 177 | Quoted per loan | (215) 309-1757 | Visit |
| 6 | i Fund Cities | 4.7 | 149 | Quoted per loan | (215) 770-1505 | Visit |
| 7 | BHS Mortgages Residential & Commercial | 4.9 | 92 | Quoted per loan | (267) 928-7319 | Visit |
| 8 | Natasha Larson at Prosperity Home Mortgage - Philadelphia | 5.0 | 80 | — | (215) 790-5516 | Visit |
| 9 | Foxtrot Mortgage - Philadelphia Branch | 5.0 | 44 | Quoted per loan | (610) 715-8679 | Visit |
| 10 | Philadelphia Mortgage Brokers | 5.0 | 8 | — | (484) 416-4280 | 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.