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Review Keywords Analysis

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

Mortgage Affordability Calculator Pittsburgh, PA

How much house can you afford in Pittsburgh? 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 Pittsburgh

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

1

HMA Mortgage

HMA Mortgage specializes in a turn-key loan process that keeps clients and real estate partners informed at every step, from pre-approval to closing. They offer a range of mortgage services, including renovation loans, and are known for clear communication and patient guidance. Some clients note the process can feel detailed but appreciate the support throughout.

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(412) 921-5263
Open 9:00 AM - 5:00 PM
4640 Campbells Run Rd, Pittsburgh, PA 15205
2

Kiavi

Kiavi specializes in fast, technology-driven lending tailored for real estate investors, offering products like fix-and-flip, rental, and new construction loans. Customers appreciate the quick closing times and personalized support, though some note occasional communication challenges during the process. The team focuses on simplifying financing for a variety of investment projects.

Services & Prices
Hard Money Loans Quoted per loan
Refinancing Quoted per loan
Investor Loans Quoted per loan
View Profile
(844) 415-4663
Open 00:00 - 23:59
271 North Shore Drive Ste 201, Pittsburgh, PA 15212
General Services
Lending
3

AJM Mortgage Inc

Licensed in Pennsylvania and Florida, AJM Mortgage Inc helps clients find mortgage options with competitive rates by connecting them to multiple lenders. Their team offers personalized guidance throughout home purchases and refinancing, answering questions promptly and making the process easier to understand. Some clients note the process can take time but appreciate the clear communication.

Services & Prices
First-Time Homebuyer Loans Quoted per loan
Refinancing Options Quoted per loan
Conventional Loans Quoted per loan
View Profile
(412) 257-6005
Open 9:00 AM - 6:00 PM
5915 Baum Blvd, Pittsburgh, PA 15206
General Services
Mortgage Financing
4

Federated Mortgage Corporation

Known for assisting first-time homebuyers since 1999, Federated Mortgage Corporation offers a variety of loan options including Conventional, FHA, and VA loans, with some VA loans providing up to 100% financing. The team is praised for responsive, personalized support throughout the mortgage process, though some clients note the timeline can extend depending on individual circumstances.

Services & Prices
Mortgage Pre-Approval Quoted per loan
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(877) 533-2784
Open 8:30 AM - 5:30 PM
1301 Grandview Ave Suite #100, Pittsburgh, PA 15211
General Services
Mortgage Services
5

Kevin Giza at CrossCountry Mortgage

CrossCountry Mortgage offers a wide range of mortgage products, including conventional, FHA, VA, and jumbo loans, with a focus on making the homebuying and refinancing process smooth and transparent. Customers appreciate the team’s responsiveness and clear guidance, noting a supportive experience that helps simplify what can feel like an intimidating process.

Services & Prices
First-Time Homebuyer Mortgage Quoted per loan
Refinance Mortgage Quoted per loan
Conventional Loan Quoted per loan
FHA Loans Quoted per loan
View Profile
(412) 643-2063
Open 8:30 AM - 5:00 PM
305 Mt Lebanon Blvd Ste 300, Pittsburgh, PA 15234
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Reliance First Capital, LLC. NMLS ID # 58775

Reliance First Capital is an approved FHA, VA, Fannie Mae, and Freddie Mac direct lender known for customizing mortgage programs to fit diverse financial situations. Their team assists with home purchases, refinancing, and specialized loans, often praised for patience and clear communication, though some clients note the process can involve detailed paperwork.

Services & Prices
Home Purchase Loan Quoted per loan
Refinance Loan Quoted per loan
Home Equity Loan Quoted per loan
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(877) 735-3545
Open 8:00 AM - 6:30 PM
681 Andersen Dr Suite 500, Pittsburgh, PA 15220
General Services
Mortgage Services
7

Forest Hills Mortgage

Forest Hills Mortgage is known for transparent communication and responsive service throughout the mortgage process. The team specializes in helping clients secure competitive rates for home purchases and refinancing, explaining loan terms clearly and keeping customers informed at every step. Some clients note occasional delays with third-party steps like appraisals but appreciate the team’s… more...

Forest Hills Mortgage is known for transparent communication and responsive service throughout the mortgage process. The team specializes in helping clients secure competitive rates for home purchases and refinancing, explaining loan terms clearly and keeping customers informed at every step. Some clients note occasional delays with third-party steps like appraisals but appreciate the team’s proactive support.

Services & Prices
Mortgage Refinance Quoted per loan
Home Purchase Loans Quoted per loan
View Profile
(412) 302-1919
Open 8:00 AM - 4:00 PM
5825 Darlington Rd, Pittsburgh, PA 15217
General Services
Mortgage Services
8

PrimeLending, A PlainsCapital Company - Pittsburgh

PrimeLending, a PlainsCapital Company, focuses on making the mortgage process straightforward and transparent, with personalized guidance from application to closing. They offer a variety of loan options, including purchase, refinance, and renovation loans, aiming to support both first-time buyers and seasoned homeowners. Customers appreciate their responsiveness and clear communication… more...

PrimeLending, a PlainsCapital Company, focuses on making the mortgage process straightforward and transparent, with personalized guidance from application to closing. They offer a variety of loan options, including purchase, refinance, and renovation loans, aiming to support both first-time buyers and seasoned homeowners. Customers appreciate their responsiveness and clear communication throughout the process.

Services & Prices
First-Time Homebuyer Mortgage Quoted per loan
Refinancing Services Quoted per loan
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(412) 690-7155
Open 8:30 AM - 5:00 PM
4723 Butler St Suite 1, Pittsburgh, PA 15201
General Services
Mortgage Services
9

PA Capital Mortgage

PA Capital Mortgage offers a fast, transparent online mortgage experience with personalized quotes in about 60 seconds. Their services include a wide range of loan options such as FHA, VA, Jumbo, and refinancing programs, supported by helpful tools like refinance analysis and home value estimates. Clients appreciate the team’s thorough guidance and responsiveness throughout the process.

Services & Prices
Mortgage Type Analysis Quoted per loan
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(888) 665-1350
Open 9:00 AM - 6:00 PM
651 Holiday Dr, Pittsburgh, PA 15220
General Services
Mortgage Services
10

Mortgage Broker's Best, LLC

Known for personalized guidance and availability beyond typical hours, Mortgage Broker's Best, LLC helps clients navigate both residential and commercial mortgage financing. They offer a range of loan options including FHA, VA, and refinancing programs, with clear communication and expert support throughout the process. Customers appreciate their responsiveness and strategic approach, though the… more...

Known for personalized guidance and availability beyond typical hours, Mortgage Broker's Best, LLC helps clients navigate both residential and commercial mortgage financing. They offer a range of loan options including FHA, VA, and refinancing programs, with clear communication and expert support throughout the process. Customers appreciate their responsiveness and strategic approach, though the hands-on style may feel intensive for some.

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(855) 462-2684
Open 7:30 AM - 9:00 PM
800 Vinial St, Pittsburgh, PA 15212

Pittsburgh Mortgage Statistics

Home-purchase lending in Allegheny County and home costs in Pittsburgh, PA (latest HMDA and Census data)

Lenders made 11,872 home-purchase loans in Allegheny County in 2025 (average about $302,000) and denied 1,111 — 9% of decided applications, compared with 11% across Pennsylvania, according to federal mortgage data (HMDA, CFPB). In Pittsburgh, the median home is worth $205,800 and 55% of owners have a mortgage, paying a median $1,472 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
11,872▲ 3%11,581 in 2024
Denial rate
9%PA 11%
Median home value
$205,800PA $254,500
Monthly cost with a mortgage
$1,472median · PA $1,762
Refinance loans made (Allegheny County, 2025)
7,696 · 5,685 in 2024
Home-improvement loans made (2025)
3,884
Average home-purchase loan
$302,000 (PA $308,000)
Owners with a mortgage
55% · 21% of them spend 30%+ of income on housing
Median household income
$65,742 (PA $77,971)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Allegheny County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Pittsburgh Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 HMA Mortgage 5.0 1628 — (412) 921-5263 Visit
2 Kiavi 4.3 716 Quoted per loan (844) 415-4663 Visit
3 AJM Mortgage Inc 5.0 318 Quoted per loan (412) 257-6005 Visit
4 Federated Mortgage Corporation 4.9 309 Quoted per loan (877) 533-2784 Visit
5 Kevin Giza at CrossCountry Mortgage 5.0 198 Quoted per loan (412) 643-2063 Visit
6 Reliance First Capital, LLC. NMLS ID # 58775 4.8 92 Quoted per loan (877) 735-3545 Visit
7 Forest Hills Mortgage 4.9 79 Quoted per loan (412) 302-1919 Visit
8 PrimeLending, A PlainsCapital Company - Pittsburgh 4.9 57 Quoted per loan (412) 690-7155 Visit
9 PA Capital Mortgage 4.8 48 Quoted per loan (888) 665-1350 Visit
10 Mortgage Broker's Best, LLC 5.0 30 — (855) 462-2684 Visit

How this Pittsburgh 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.

Pennsylvania 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 1.14% of the home's value a year, the Pennsylvania 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

9 questions
How does the Pittsburgh mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes PMI and property tax.
How accurate is the mortgage affordability estimate?
The calculator provides an estimate. A pre-approval confirms the real number by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Pennsylvania?
Lenders often cap housing costs at 31% of gross income and total debt at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a mortgage in Pittsburgh?
Minimum down payment is 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Pennsylvania?
If your down payment is under 20%, PMI is added, about 0.6% of the loan yearly. It can be removed once the balance is below 80% of the home's value.
How do interest rates impact mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, affecting affordability.
How do existing debts affect my mortgage eligibility?
Higher monthly debt payments reduce the amount you can borrow, as lenders consider total debt in their calculations.
What are property taxes like in Pittsburgh, PA?
Property tax is about 1.14% of the home's value annually, based on the 2024 average for owner-occupied homes in Pennsylvania.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves verifying your financial details, while pre-qualification is an initial estimate without verification.

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