×

Review Keywords Analysis

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

Mortgage Affordability Calculator Amarillo, TX

How much house can you afford in Amarillo? 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 Amarillo

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

1

Providence Home Loans

Providence Home Loans offers home loan services with a team recognized for their knowledge and friendly communication. Customers appreciate the helpfulness of the agents, though some have noted issues with responsiveness and follow-through during the loan process. The company handles a range of mortgage needs but may have inconsistent customer service.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(806) 367-8173
Open 9:00 AM - 5:00 PM
6818 Plum Creek Dr, Amarillo, TX 79124
General Services
Home Loans
2

NRL Mortgage- Amarillo

Known for their thorough verification process, NRL Mortgage- Amarillo helps clients secure loans that other lenders might not approve. The team offers conventional, FHA, VA, and USDA loans, along with refinancing and home equity lines of credit. Customers appreciate their clear communication and smooth closings, though some note the process can require detailed documentation.

Services & Prices
Mortgage Loans Quoted per loan
Home Equity Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(806) 803-9132
Open 9:00 AM - 5:00 PM
5701 Time Sq Suite 330, Amarillo, TX 79119
General Services
Loan Services
3

Amarillo National Bank - Mortgage Lender

Amarillo National Bank Mortgage offers a friendly and helpful team focused on making the home loan process smooth and efficient. They provide mortgage lending services with a professional approach, often noted for their welcoming atmosphere and clear communication. Customers appreciate the ease of working with the staff throughout their home purchase.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(806) 358-3008
Open 9:00 AM - 5:00 PM
8602 Pineridge Drive, Amarillo, TX 79119
General Services
Mortgage Services
4

PrimeLending, A PlainsCapital Company - Amarillo

Known for guiding first-time homebuyers through the mortgage process with patience and clear communication, PrimeLending, A PlainsCapital Company in Amarillo offers home loan services designed to simplify buying a home. Customers appreciate the friendly team’s thoroughness and willingness to answer questions, making the experience comfortable and straightforward.

View Profile
(806) 318-4070
Open 8:30 AM - 5:00 PM
7426 Pennsylvania Drive #200, Amarillo, TX 79119
5

AMC Mortgage | Associated Mortgage Corporation

Known for building genuine relationships, AMC Mortgage focuses on guiding clients through every step of the home-buying process with care and attention. Their team offers mortgage services including loan calculators and homebuyer resources, and clients often highlight their professionalism, clear communication, and responsiveness throughout the lending journey.

Services & Prices
Home Purchasing Loans Quoted per loan
Refinancing Quoted per loan
First-Time Homebuyer Loans Quoted per loan
View Profile
(806) 599-9660
Open 8:00 AM - 5:00 PM
7619 Hillside Rd #100, Amarillo, TX 79119
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Kali Arredondo - Director of Mortgage Lending, Amarillo

Known for personalized mortgage lending with a Best Rate Guarantee, this team specializes in VA loans, first-time homebuyer programs, and refinancing options. Members appreciate their clear communication, responsiveness, and support throughout the home loan process, though some note occasional wait times for responses during busy periods.

Services & Prices
Pre-Approval Process Quoted per loan
Personalized Game Plan Quoted per loan
View Profile
(806) 382-2829
Open 9:00 AM - 5:00 PM
7659 Hillside Rd Ste 300, Amarillo, TX 79119
General Services
Home Loan Services
7

Jeremy Noyes, NMLS: 793573, PrimeLending

Licensed through NMLS, this mortgage team specializes in guiding first-time homebuyers through a clear and straightforward lending process. They offer prompt communication and thorough explanations, helping clients feel informed and supported from application to closing. Customers appreciate their responsiveness and ability to handle quick turnarounds when needed.

Services & Prices
Fixed-Rate Mortgages Quoted per loan
Adjustable-Rate Mortgages Quoted per loan
FHA/VA Loans Quoted per loan
View Profile
(806) 731-8353
Open 8:30AM - 5AM
7426 Pennsylvania Drive #200, Amarillo, TX 79119
General Services
Mortgage Lending
8

Timothy Futrell

Hometrust Mortgage Company stands out for its commitment to fair lending and transparent, licensed service backed by the nCino cloud platform. The team helps clients navigate mortgage planning and origination with a user-friendly mobile app that supports document scanning and real-time communication. Customers appreciate the clear, supportive guidance that makes the mortgage process feel… more...

Hometrust Mortgage Company stands out for its commitment to fair lending and transparent, licensed service backed by the nCino cloud platform. The team helps clients navigate mortgage planning and origination with a user-friendly mobile app that supports document scanning and real-time communication. Customers appreciate the clear, supportive guidance that makes the mortgage process feel manageable and personal.

View Profile
(806) 381-3760
Open 9:00 AM - 5:30 PM
6900 I-40 Ste 270, Amarillo, TX 79106
9

HomeTrust Mortgage - Amarillo

HomeTrust Mortgage in Amarillo is known for offering a wide range of loan options, including FHA, VA, USDA, and Jumbo Loans, tailored to fit diverse homebuying needs. The team provides clear guidance throughout the mortgage process, with many clients appreciating their responsiveness, though some have noted occasional challenges with communication and approval flexibility.

Services & Prices
Home Loan Approval Quoted per loan
View Profile
(806) 356-9559
Open 00:00 - 23:59
6900 I-40 W Suite 270, Amarillo, TX 79106
General Services
Mortgage Services
10

Kris Anderson, Texas Mortgage Lender NMLS# 1201276

Specializing in FHA, VA, Conventional, and USDA loans, Kris Anderson (NMLS #1201276) focuses on helping first-time homebuyers and veterans with fast, affordable mortgage options. The team offers personalized guidance and quick pre-approvals, aiming to simplify the home financing process. Clients appreciate clear communication and a smooth closing experience throughout their loan journey.

Services & Prices
Rate Lock Assistance Quoted per loan
View Profile
(806) 322-1413
Open 8:00 AM - 5:00 PM
800 S Polk St Ste 103, Amarillo, TX 79101
General Services
Loan Services

Amarillo Mortgage Statistics

Home-purchase lending in Potter County and home costs in Amarillo, TX (latest HMDA and Census data)

Lenders made 939 home-purchase loans in Potter County in 2025 (average about $211,000) and denied 234 — 20% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Amarillo, the median home is worth $196,900 and 54% of owners have a mortgage, paying a median $1,654 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
939▲ 1%930 in 2024
Denial rate
20%TX 19%
Median home value
$196,900TX $283,800
Monthly cost with a mortgage
$1,654median · TX $2,106
Refinance loans made (Potter County, 2025)
410 · 312 in 2024
Home-improvement loans made (2025)
29
Average home-purchase loan
$211,000 (TX $364,000)
Owners with a mortgage
54% · 27% of them spend 30%+ of income on housing
Median household income
$65,912 (TX $78,476)

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

Amarillo Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Providence Home Loans 4.8 124 Quoted per loan (806) 367-8173 Visit
2 NRL Mortgage- Amarillo 4.9 119 Quoted per loan (806) 803-9132 Visit
3 Amarillo National Bank - Mortgage Lender 4.8 103 Quoted per loan (806) 358-3008 Visit
4 PrimeLending, A PlainsCapital Company - Amarillo 4.6 106 — (806) 318-4070 Visit
5 AMC Mortgage | Associated Mortgage Corporation 4.9 55 Quoted per loan (806) 599-9660 Visit
6 Kali Arredondo - Director of Mortgage Lending, Amarillo 5.0 48 Quoted per loan (806) 382-2829 Visit
7 Jeremy Noyes, NMLS: 793573, PrimeLending 4.9 43 Quoted per loan (806) 731-8353 Visit
8 Timothy Futrell 4.9 38 — (806) 381-3760 Visit
9 HomeTrust Mortgage - Amarillo 4.7 38 Quoted per loan (806) 356-9559 Visit
10 Kris Anderson, Texas Mortgage Lender NMLS# 1201276 5.0 23 Quoted per loan (806) 322-1413 Visit

How this Amarillo 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.

Texas 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 1.25% of the home's value a year, the Texas 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 mortgage affordability calculator work?
The calculator uses your income, debts, down payment, interest rate, and first-time buyer status to estimate the highest home price you may qualify for in Amarillo.
What is the debt-to-income ratio for mortgages in Texas?
Lenders often cap housing costs at 31% and total debt at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in Amarillo?
The minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Texas?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan annually. It can usually be removed when the loan balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in October 2026 but change weekly.
How do my debts affect my mortgage qualification in Amarillo?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider your total debt-to-income ratio.
What are Texas property taxes for homeowners?
Property tax is about 1.25% of the home's value annually in Texas, based on the 2024 average for owner-occupied homes.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, giving a more accurate estimate than pre-qualification, which is an initial assessment.
How much house can I afford on a 100k salary in Amarillo?
The calculator estimates affordability based on your income, debts, and other factors. Exact amounts depend on your specific financial situation and lender criteria.

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