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
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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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Providence Home Loans
4.8 · 124 reviews · Free pre-approval
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NRL Mortgage- Amarillo
4.9 · 119 reviews · Free pre-approval
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Amarillo National Bank - Mortgage Lender
4.8 · 103 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.