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Review Keywords Analysis

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

Mortgage Affordability Calculator Arlington, TX

How much house can you afford in Arlington? 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 Arlington

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

1

Mortgage Matters

Known for clear guidance and responsive communication, Mortgage Matters helps clients navigate the home buying process with timely support and practical solutions. The team offers loan assistance and personalized advice, with customers appreciating their availability and thoroughness, though some note the process can still feel complex at times.

Services & Prices
Pre-Approval Services Quoted per loan
View Profile
(469) 807-1300
Closed Now
2301 E Lamar Blvd Ste 150, Arlington, TX 76006
General Services
Mortgage Services
2

HomeBound loans, Inc dba HB Lending

HB Lending offers a personalized mortgage experience backed by a network of over 100 lenders, including both traditional and private hardship options. They handle a wide range of loans—from fixed-rate and VA loans to jumbo and commercial financing—combining local market knowledge with digital tools for faster closings. Customers appreciate the team’s professionalism and thorough guidance, though… more...

HB Lending offers a personalized mortgage experience backed by a network of over 100 lenders, including both traditional and private hardship options. They handle a wide range of loans—from fixed-rate and VA loans to jumbo and commercial financing—combining local market knowledge with digital tools for faster closings. Customers appreciate the team’s professionalism and thorough guidance, though some note occasional communication delays during refinancing.

Services & Prices
Home Mortgage Quoted per loan
Refinance Quoted per loan
Pre-Approval Quoted per loan
View Profile
(682) 365-4355
Closed Now
2500 NE Green Oaks Blvd Ste 202A, Arlington, TX 76006
General Services
Mortgage Services
3

Angela M. Cassol - Licensed Mortgage Loan Officer

Specializing in guiding first-time homebuyers through the mortgage process, this licensed loan officer offers clear communication and reliable support from application to closing. The team handles loan preparation efficiently, helping clients feel informed and confident throughout. Some customers note the process can still feel complex, but appreciate the steady assistance provided.

View Profile
(817) 475-6866
Closed Now
4025 Woodland Park Blvd Ste 230, Arlington, TX 76013
4

Mortgage Disrupters

Mortgage Disrupters specializes in home loans with a focus on transparency and client education. Their team offers a variety of mortgage options, including conventional, FHA, VA, and renovation loans, supported by helpful digital tools. Customers appreciate the smooth process and responsive service, though experiences may vary depending on the agent assigned.

View Profile
(817) 822-9688
Open 8:00 AM - 8:00 PM
2909 E Arkansas Ln Ste C, Arlington, TX 76010
5

Integrity Home Lending, LLC

Known for a customer-first approach, Integrity Home Lending, LLC offers a broad range of loan programs including purchase, refinance, and specialized loans. The team provides clear guidance and helpful tools throughout the mortgage process, with clients appreciating their supportive and informative service, especially for first-time buyers.

Services & Prices
Fixed-Rate Mortgage Quoted per loan
Adjustable-Rate Mortgage Quoted per loan
FHA Loan Quoted per loan
Conventional Loan Quoted per loan
View Profile
(817) 653-4052
Closed Now
1281 W Green Oaks Blvd #113, Arlington, TX 76013
General Services
Mortgage Lending
Where they are 10 on the map Click a pin for the profile and directions
6

Tonius Frank (The Mortgage Disrupters)

Known for making the home buying and refinancing process straightforward and stress-free, Tonius Frank (The Mortgage Disrupters) offers clear guidance and competitive rates. The team provides personalized mortgage solutions and is appreciated for their professionalism and availability, though some clients note the process can still feel involved.

View Profile
(214) 874-3012
Open 8:30 AM - 7:30 PM
2909 E Arkansas Ln, Arlington, TX 76010
7

The McGaughey Team at Edge Home Finance - Sean McGaughey

The McGaughey Team specializes in VA loans, recognized as the #1 VA Broker in the United States, with over 23 years of mortgage lending experience. They offer home purchase, refinance, and cash-out refinance loans, working quickly to close deals and guide clients through complex financing. Customers appreciate their knowledgeable, caring approach and efficient process.

View Profile
(817) 798-2853
Closed Now
800 E Border St Ste 500, Arlington, TX 76010
8

Loanology Lending Group LLC

Veteran-owned and independent, Loanology Lending Group specializes in creative financing solutions, including DSCR investor loans and bank statement loans. The team offers a wide range of mortgage options such as FHA, VA, conventional, and renovation loans, guiding clients through a streamlined process. Customers appreciate their knowledgeable, patient approach and educational support throughout… more...

Veteran-owned and independent, Loanology Lending Group specializes in creative financing solutions, including DSCR investor loans and bank statement loans. The team offers a wide range of mortgage options such as FHA, VA, conventional, and renovation loans, guiding clients through a streamlined process. Customers appreciate their knowledgeable, patient approach and educational support throughout the lending journey.

Services & Prices
Home Loans Quoted per loan
Personal Loans Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(972) 483-2911
Closed Now
1017 N Bowen Rd B, Arlington, TX 76012
General Services
Lending Services
9

Aliton Finance Texas

Aliton Finance Texas offers straightforward mortgage brokerage services focused on making the loan process hassle-free. The team assists with various financing needs and is noted for being helpful and easy to work with. Some customers appreciate the smooth experience and express interest in future business.

View Profile
(972) 998-8522
Closed Now
2500 NE Green Oaks Blvd, Arlington, TX 76006
10

Kem Miller powered by Mortgage Disrupters

About Mortgage DisruptersMortgage Disrupters is a Texas-based company specializing in home loans, dedicated to providing an exceptional purchase and refinance experience. They aim to simplify the mortgage process for clients, ensuring clarity and ease from start to finish. The company focuses on leveraging technology and expertise to offer competitive rates and personalized service, making the… more...

About Mortgage DisruptersMortgage Disrupters is a Texas-based company specializing in home loans, dedicated to providing an exceptional purchase and refinance experience. They aim to simplify the mortgage process for clients, ensuring clarity and ease from start to finish. The company focuses on leveraging technology and expertise to offer competitive rates and personalized service, making the dream of homeownership accessible to more people. Their mission is to disrupt the traditional mortgage industry by offering innovative solutions and a client-centric approach.Industry ExpertiseMortgage Disrupters demonstrates significant industry expertise through its comprehensive loan options, including Conventional, FHA, VA, and Renovation mortgages. They provide tools like mortgage calculators and home value estimators to empower clients with information. The company's commitment to transparency is evident in their detailed rate breakdowns and educational resources, helping clients understand complex financial products. Their team comprises experienced professionals dedicated to guiding clients through every step of the mortgage process.Mortgage Disrupters OffersThe company offers a wide array of mortgage products tailored to diverse client needs. This includes Conventional Mortgages, FHA Home Loans, VA Home Loans, Jumbo Mortgages, Mortgage Refinancing, and specialized loans like the Renovation Mortgage 203(k). They also provide tools for estimating mortgage payments and determining home worth. Their services are designed to cater to first-time homebuyers, seasoned homeowners, and veterans, ensuring a suitable loan option is available for various financial situations and property types across Texas.Unique AdvantagesMortgage Disrupters distinguishes itself through its focus on innovation and client empowerment. They offer a streamlined online application process and provide accessible tools for financial planning. The company's dedication to transparency in rates and processes, combined with personalized guidance from their expert team, sets them apart. Their commitment to making homeownership achievable for a broader range of clients underscores their disruptive approach to the mortgage industry.

View Profile
(682) 450-9221
Closed Now
2909 E Arkansas Ln Ste C, Arlington, TX 76010

Arlington Mortgage Statistics

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

Lenders made 22,124 home-purchase loans in Tarrant County in 2025 (average about $381,000) and denied 3,401 — 13% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Arlington, the median home is worth $304,700 and 61% of owners have a mortgage, paying a median $2,019 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
22,124▼ 5%23,374 in 2024
Denial rate
13%TX 19%
Median home value
$304,700TX $283,800
Monthly cost with a mortgage
$2,019median · TX $2,106
Refinance loans made (Tarrant County, 2025)
8,597 · 6,552 in 2024
Home-improvement loans made (2025)
1,676
Average home-purchase loan
$381,000 (TX $364,000)
Owners with a mortgage
61% · 30% of them spend 30%+ of income on housing
Median household income
$75,171 (TX $78,476)

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

Arlington Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Mortgage Matters 4.9 442 Quoted per loan (469) 807-1300 —
2 HomeBound loans, Inc dba HB Lending 4.8 120 Quoted per loan (682) 365-4355 Visit
3 Angela M. Cassol - Licensed Mortgage Loan Officer 5.0 90 — (817) 475-6866 Visit
4 Mortgage Disrupters 5.0 63 — (817) 822-9688 Visit
5 Integrity Home Lending, LLC 4.9 57 Quoted per loan (817) 653-4052 Visit
6 Tonius Frank (The Mortgage Disrupters) 5.0 37 — (214) 874-3012 Visit
7 The McGaughey Team at Edge Home Finance - Sean McGaughey 5.0 23 — (817) 798-2853 Visit
8 Loanology Lending Group LLC 5.0 15 Quoted per loan (972) 483-2911 Visit
9 Aliton Finance Texas 5.0 15 — (972) 998-8522 Visit
10 Kem Miller powered by Mortgage Disrupters 5.0 1 — (682) 450-9221 Visit

How this Arlington 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?
It estimates the highest home price you can qualify for based on your income, debts, down payment, and interest rate. It includes PMI and property tax.
How accurate is the mortgage estimate from the calculator?
The estimate is a guideline. A lender's pre-approval confirms accuracy by verifying your income, debts, credit, and down payment.
What is the debt-to-income ratio for Texas mortgages?
Lenders often cap housing costs at 31% of gross income and total debts at 43%. Some loans allow more with strong credit.
How much is the minimum down payment for a first-time buyer in Arlington?
Minimum down payments are 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates in the calculator start at 7.40%.
How do debts impact how much mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt payments in their calculations.
What is the property tax rate in Texas?
The property tax rate is about 1.25% of the home's value per year, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of your financials, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker connects borrowers with lenders, helping find loan options that fit the borrower's financial situation.

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