How much house can you afford in Providence? 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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Nate Colwell, Movement Mortgage NMLS #403287
5.0 · 191 reviews · Free pre-approval
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Semper Home Loans, Inc
4.2 · 134 reviews · Free pre-approval
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Nick Principe - Mortgage Loan Officer - NMLS #1537716
5.0 · 111 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 →
Licensed under NMLS #403287, this loan officer with Movement Mortgage focuses on clear communication and guiding clients through mortgage applications. The team offers online tools like affordability calculators and supports various loan types, including VA loans. Customers appreciate their responsiveness and straightforward approach, noting smooth, well-managed transactions even from a distance.
About Semper Home LoansSemper Home Loans, Inc. simplifies the mortgage process, offering quick approvals, competitive rates, and personalized guidance to help clients achieve homeownership. Since 2005, the company has focused on making the journey to a new home as straightforward and stress-free as possible. They pride themselves on cutting through industry complexities to provide a clear… more...
About Semper Home LoansSemper Home Loans, Inc. simplifies the mortgage process, offering quick approvals, competitive rates, and personalized guidance to help clients achieve homeownership. Since 2005, the company has focused on making the journey to a new home as straightforward and stress-free as possible. They pride themselves on cutting through industry complexities to provide a clear, efficient, and supportive experience for every borrower. Their mission is to be a trusted partner, ensuring that clients feel confident and well-informed at every step of their home financing journey.Credibility & TrustWith over 21 years in business and more than 10,000 loans closed, Semper Home Loans has established a strong track record. They have funded over $2 billion in loans, demonstrating significant market presence and client trust. The company is an Equal Housing Lender and an Equal Opportunity Employer, adhering to federal fair lending and equal opportunity laws. They are licensed in numerous states across the US, ensuring broad accessibility for their services. Customer testimonials highlight outstanding service, transparency, and a smooth, stress-free closing process.Semper Home Loans OffersSemper Home Loans provides a comprehensive suite of mortgage solutions, including options for purchasing and refinancing. They specialize in tailoring loans to individual client goals, moving beyond a one-size-fits-all approach. Their offerings include various loan programs designed to fit unique situations, with a focus on simplicity and transparency. They also offer tools like calculators to help clients understand their options and potential costs. The 'HomeEasy Buyer' program is designed to help clients bundle services and achieve significant savings, making homeownership more accessible and affordable.Unique AdvantagesSemper Home Loans distinguishes itself through its commitment to a truly easy mortgage experience, emphasizing speed, clarity, and customer support. Their 'HomeEasy Buyer' program offers tangible savings, potentially up to $1,230 or more through lender-paid credits. The company highlights its extensive experience, with over two decades in the industry and billions in funded loans, assuring clients of their expertise and reliability.
About AnnieMac Home MortgageAnnieMac Home Mortgage, operating under American Neighborhood Mortgage Acceptance Company LLC, is a privately owned retail mortgage lender dedicated to assisting individuals in achieving their homeownership dreams. With a strong presence and a commitment to exceptional service, AnnieMac offers a comprehensive suite of mortgage solutions designed to meet diverse client… more...
About AnnieMac Home MortgageAnnieMac Home Mortgage, operating under American Neighborhood Mortgage Acceptance Company LLC, is a privately owned retail mortgage lender dedicated to assisting individuals in achieving their homeownership dreams. With a strong presence and a commitment to exceptional service, AnnieMac offers a comprehensive suite of mortgage solutions designed to meet diverse client needs. The company emphasizes a client-centric approach, aiming to make the mortgage process as seamless and stress-free as possible. Leveraging industry expertise and innovative tools, AnnieMac strives to provide competitive rates and expert guidance, positioning itself as a trusted partner in the home financing journey.Credibility and ExpertiseNick Principe, a Branch Manager at AnnieMac Home Mortgage, brings nearly a decade of experience to the mortgage industry, consistently ranking among top originators nationwide. His proven track record is built on a foundation of exceptional service and clear communication, ensuring a transparent and efficient process for clients. AnnieMac is recognized for its industry expertise, offering guidance on various mortgage products. The company holds licenses and approvals to operate as a private retail mortgage lender, adhering to regulatory standards. While specific awards are mentioned, such as recognition from Scotsman Guide, the core of their credibility lies in their experienced professionals and client-focused operations.AnnieMac's OfferingsAnnieMac Home Mortgage provides a wide array of loan options tailored to different homeownership goals. These include purchase loans for those looking to buy a new home, and refinance loans to help existing homeowners lower payments or access equity. Specialized programs like Cash2Keys® are available, offering innovative solutions for buying and selling homes. Additionally, AnnieMac offers construction loans for custom-built homes and renovation loans for property improvements. They also provide resources such as buyer guides, calculators, and articles to empower clients with knowledge for informed decision-making throughout the mortgage process.Unique AdvantagesAnnieMac Home Mortgage distinguishes itself through its specialized programs like Cash2Keys®, which aims to reduce or eliminate contingencies in purchase contracts, offering a more streamlined buying experience. The company boasts a team of experienced loan originators, such as Nick Principe, who have a proven track record of success and client satisfaction. They serve clients across multiple states, indicating a broad reach and understanding of diverse market needs. Their commitment to providing expert guidance and leveraging industry knowledge ensures clients receive tailored solutions for their unique financial situations.
Fairway Independent Mortgage Corporation offers a wide range of loan options for buying, building, or refinancing homes, with a focus on personalized guidance throughout the entire mortgage process. The team is known for clear communication and making the loan experience straightforward, though some clients note the process can still feel detailed. Their use of digital tools helps streamline… more...
Fairway Independent Mortgage Corporation offers a wide range of loan options for buying, building, or refinancing homes, with a focus on personalized guidance throughout the entire mortgage process. The team is known for clear communication and making the loan experience straightforward, though some clients note the process can still feel detailed. Their use of digital tools helps streamline document submission and tracking.
About Ashley CooksonAshley Cookson is a dedicated Loan Officer at Movement Mortgage, committed to making the home buying experience straightforward and stress-free. With a focus on personalized guidance, Ashley aims to assist clients through every step of the mortgage process. The company emphasizes informed decision-making, providing resources like their blog to educate consumers. Movement… more...
About Ashley CooksonAshley Cookson is a dedicated Loan Officer at Movement Mortgage, committed to making the home buying experience straightforward and stress-free. With a focus on personalized guidance, Ashley aims to assist clients through every step of the mortgage process. The company emphasizes informed decision-making, providing resources like their blog to educate consumers. Movement Mortgage also highlights its role as an Impact Lender, dedicating a significant portion of its profits to community development, fostering deeper connections within the neighborhoods it serves.Credentials & TrustMovement Mortgage is recognized as a leading Impact Lender, committing at least 10% of its profits to community support, with Movement itself contributing nearly 50%. Ashley Cookson is a licensed Loan Officer (NMLS ID #1904719) with state licenses in CT, FL, MA, NH, RI, and SC. The company boasts a strong customer rating of 4.98 based on over 200 reviews, indicating high customer satisfaction. This focus on community impact, combined with professional licensing and positive customer feedback, builds significant trust.Ashley Cookson OffersAshley Cookson offers a comprehensive suite of mortgage services designed to meet diverse client needs. This includes assistance with finding the right loan type, utilizing affordability and mortgage calculators to determine budget and payment options, and facilitating the application process. Services extend to helping clients understand their options for purchasing a home or refinancing existing mortgages. The company also provides tools for online mortgage payments, ensuring convenience for clients throughout their homeownership journey.Unique AdvantagesMovement Mortgage distinguishes itself as a leading Impact Lender, channeling significant profits into community uplift. Ashley Cookson offers personalized guidance as a loan officer, aiming to simplify the complex home-buying process. The company provides a robust platform with various calculators and online tools for financial planning. Furthermore, their strong customer satisfaction ratings, evidenced by a 4.98 score from over 200 reviews, highlight a commitment to excellent service.
Specializing in down payment assistance and financial education, Angel Cordero helps first-time buyers navigate home financing with clear, personalized guidance. The team offers home purchase loans, refinancing, and investment property financing across Rhode Island, Massachusetts, and Connecticut, with clients appreciating their communication and supportive approach throughout the process.
Known for clear communication and personalized guidance, Marc Almeida at Movement Mortgage helps clients navigate home financing with practical tools like affordability calculators. The team assists with loan selection, refinancing, and payment management, with clients appreciating their responsiveness and straightforward approach throughout the process.
Movement Mortgage RI stands out for its strong partnership with Rhode Island Housing and expertise in first-time homebuyer programs. The team offers home purchase and refinancing loans, focusing on a streamlined process supported by helpful tools and clear communication. Clients appreciate their responsiveness and the company’s ability to simplify complex steps, though some note the process can… more...
Movement Mortgage RI stands out for its strong partnership with Rhode Island Housing and expertise in first-time homebuyer programs. The team offers home purchase and refinancing loans, focusing on a streamlined process supported by helpful tools and clear communication. Clients appreciate their responsiveness and the company’s ability to simplify complex steps, though some note the process can be fast-paced.
Known for clear communication and personalized guidance, this loan officer with Movement Mortgage helps clients navigate home financing with tools like affordability calculators and detailed explanations. The team supports first-time buyers and seasoned homeowners alike, with many noting their responsiveness and steady updates throughout the mortgage process.
Known for its broad range of loan options and licensing across 49 states plus D.C., PRMG offers government-backed and conventional mortgages, including VA, FHA, USDA, and Jumbo loans. The team uses modern technology to support borrowers through the process, though some customers note inconsistent experiences with communication and service.
Lenders made 6,089 home-purchase loans in Providence County in 2025 (average about $427,000) and denied 659 — 10% of decided applications, compared with 9% across Rhode Island, according to federal mortgage data (HMDA, CFPB). In Providence, the median home is worth $362,200 and 71% of owners have a mortgage, paying a median $2,100 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Providence 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 | Nate Colwell, Movement Mortgage NMLS #403287 | 5.0 | 191 | — | (401) 413-3329 | Visit |
| 2 | Semper Home Loans, Inc | 4.2 | 134 | — | (888) 817-6619 | Visit |
| 3 | Nick Principe - Mortgage Loan Officer - NMLS #1537716 | 5.0 | 111 | — | (401) 862-5110 | Visit |
| 4 | Andy Matt | Fairway Independent Mortgage Corporation Branch Manager | 5.0 | 108 | — | (781) 603-5079 | Visit |
| 5 | Ashley Cookson | The Lending Ladies | Movement Mortgage | 5.0 | 66 | — | (774) 644-3191 | Visit |
| 6 | Angel Cordero - Loan Officer | AnnieMac Momentum Group | 4.9 | 67 | — | (401) 225-1797 | Visit |
| 7 | Marc Almeida, Movement Mortgage | 5.0 | 34 | — | (401) 487-9673 | Visit |
| 8 | Movement Mortgage RI | 4.2 | 21 | — | (401) 524-0392 | Visit |
| 9 | Adam Dellemonico | 5.0 | 16 | Quoted per loan | (339) 234-2988 | Visit |
| 10 | PRMG | 4.2 | 10 | Quoted per loan | (401) 639-4600 | 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.