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Review Keywords Analysis

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

Mortgage Affordability Calculator Austin, TX

How much house can you afford in Austin? 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 Austin

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

1

LendFriend Mortgage

Verified

LendFriend Mortgage specializes in jumbo and Non-QM loans tailored for high-income earners, investors, and self-employed borrowers with complex financial profiles. The team offers a variety of mortgage options, including bank statement loans and crypto-backed strategies, and is known for clear communication and a smooth process, though some minor delays in responses have been noted.

Services & Prices
Conventional Loans $200000 - $832750
FHA Loans $200000 - $500000
VA Loans $200000+
Jumbo Loans $832750+
View Profile
(704) 749-7747
Open 8:00 AM - 7:30 PM
600 Congress Ave. Office 15092 Austin, TX 78701
General Services
Mortgage Loan Programs
2

Barton Creek Lending Group

Known for patient, responsive service, Barton Creek Lending Group helps clients navigate mortgages and refinancing with clear communication and creative solutions. Their team works closely with buyers, self-employed borrowers, and those managing complex transactions. Customers appreciate their accessibility and willingness to guide them through every step.

Services & Prices
Home Purchase Loans Fee quoted per loan
Refinancing Fee quoted per loan
FHA Loans Fee quoted per loan
View Profile
(512) 761-8119
Open 00:00 - 23:59
3201 Menchaca Rd, Austin, TX 78704, USA
General Services
Mortgage Services
3

Joel Richardson, Austin Mortgage Lender

With over 20 years of experience, this lender specializes in custom and renovation loans, helping clients across Austin and nearby areas navigate home financing. The team is known for clear communication and quick responses, making complex mortgage processes feel more manageable. Some customers note the competitive Austin market can add challenges, but the support remains consistent.

Services & Prices
Conventional Loans Fee quoted per loan
FHA Loans Fee quoted per loan
VA Loans Fee quoted per loan
Rate and Term Refinance Fee quoted per loan
View Profile
(512) 203-8244
Open 8:00 AM - 6:30 PM
509 W Lynn St B,Austin, TX 78703
General Services
Home Purchasing
4

Austin Mortgage Lending

Known for fast closings and clear communication, Austin Mortgage Lending helps clients secure low-rate mortgages with less hassle. The team assists with both home purchases and refinancing, guiding customers through each step. Clients appreciate their responsiveness and thorough support throughout the process.

Services & Prices
Rate Lock Services Quoted per loan
Equity Assessment Quoted per loan
Pre-Approval Application Quoted per loan
Credit Evaluation Quoted per loan
View Profile
Open 8:00 AM - 8:00 PM
1301 S Capital of Texas Hwy Ste B340, Austin, TX 78746, USA
General Services
Refinancing Services
5

Highlander Mortgage: Mortgage Broker In Austin

Highlander Mortgage offers competitive home loan rates with a strong focus on secure, technology-driven service. The team handles mortgages and refinancing, guiding clients through each step with clear communication and timely responses. While they prefer digital contact over frequent phone calls, customers appreciate their efficiency and helpful advice.

Services & Prices
Conventional Mortgage Quoted per loan
VA Loan Quoted per loan
FHA Loan Quoted per loan
Rate-and-Term Refinance Quoted per loan
View Profile
(512) 501-3624
Closed Now
6500 River Pl Blvd Bldg 7 Suite 250,Austin, TX 78730
General Services
Home Purchase
Where they are 10 on the map Click a pin for the profile and directions
6

Prodigy Mortgage Brokers

Prodigy Mortgage Brokers focuses on providing competitive home loans with low fees and wholesale rates, especially for first-time homebuyers. The team offers full-service mortgage brokerage and is praised for clear communication, responsiveness, and making the process smooth and stress-free. Some clients note the thorough updates help ease uncertainty during closing.

Services & Prices
Purchase Loan Quoted per loan
VA Loan Quoted per loan
FHA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(512) 576-6115
Open 8:00 AM - 6:00 PM
13740 Research Blvd Bldg E Ste 1, Austin, TX 78750, USA
General Services
Home Loans
7

JB Mortgage Group

Known for handling complex financing cases, JB Mortgage Group offers residential mortgage lending with a team approach that supports both borrowers and real estate agents. Their services include personalized loan guidance throughout the home-buying process, with clients often noting responsive communication and professionalism, though some have found experiences vary depending on the loan officer.

Services & Prices
Loan Pre-Approval Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
Rate/Term Refinancing Quoted per loan
View Profile
(512) 549-2180
Closed Now
3420 Executive Center Dr G-100,Austin, TX 78731
General Services
Home Loan Services
8

Iron Harbor Mortgage LLC

With over 20 years of experience, Iron Harbor Mortgage LLC specializes in providing detailed, transparent mortgage estimates and preapprovals backed by a century-old FDIC-insured community bank. The team offers thorough analysis and quick loan processing, helping clients understand their options clearly throughout the home buying or refinancing journey. Customers appreciate their clear… more...

With over 20 years of experience, Iron Harbor Mortgage LLC specializes in providing detailed, transparent mortgage estimates and preapprovals backed by a century-old FDIC-insured community bank. The team offers thorough analysis and quick loan processing, helping clients understand their options clearly throughout the home buying or refinancing journey. Customers appreciate their clear communication and attention to detail, noting a smooth, no-surprise process.

Services & Prices
Conventional Home Loans Quoted per loan
VA Home Loans Quoted per loan
FHA Loans Quoted per loan
Rate and Term Refinancing Quoted per loan
View Profile
(866) 321-4733
Closed Now
4307 Maybelle Ave, Austin, TX 78756, USA
General Services
Home Mortgage Services
9

Texas Real Estate Finance, LLC

Texas Real Estate Finance, LLC offers more than 200 residential mortgage loan options for primary homes, second properties, and investments. The team is known for being patient and attentive, often guiding clients through the process in both English and Spanish. Customers appreciate their responsiveness and clear communication throughout the loan experience.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Options Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
View Profile
(281) 460-8800
Closed Now
111 Congress Ave. Suite 500, Austin, TX 78701, USA
General Services
Mortgage Brokerage
10

Jack Loughborough PrimeLending NMLS #184050

Jack Loughborough PrimeLending NMLS #184050 specializes in guiding clients through home loans, including purchases, refinancing, and renovations, with options like FHA, VA, USDA, and jumbo loans. The team is known for clear communication, responsiveness, and helping clients understand each step, though some may find the process detailed.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(512) 826-8013
Open 8:00 AM - 9:00 PM
7000 N Mopac Expy Ste 400A,Austin, TX 78731
General Services
Real Estate Financing

Latest reviews of Austin Mortgage Brokers near you

Written on TrustAnalytica by clients of the businesses in this list
  • Sam

    I had a horrible experience working Justin and JB Mortgage. I never leave reviews, but my experience was so miserable that I had to in this case. I've seen another person describe their experience working with JB as traumatic. Now I know why... Never intend to work with them again. NEVER

Austin Mortgage Statistics

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

Lenders made 13,478 home-purchase loans in Travis County in 2025 (average about $566,000) and denied 1,890 — 12% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Austin, the median home is worth $555,300 and 66% of owners have a mortgage, paying a median $2,679 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
13,478▼ 5%14,197 in 2024
Denial rate
12%TX 19%
Median home value
$555,300TX $283,800
Monthly cost with a mortgage
$2,679median · TX $2,106
Refinance loans made (Travis County, 2025)
4,658 · 3,556 in 2024
Home-improvement loans made (2025)
896
Average home-purchase loan
$566,000 (TX $364,000)
Owners with a mortgage
66% · 27% of them spend 30%+ of income on housing
Median household income
$93,658 (TX $78,476)

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

Austin Mortgage Brokers near you stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 LendFriend Mortgage 5.0 599 $200,000 (704) 749-7747 Visit
2 Barton Creek Lending Group 4.9 358 Fee quoted per loan (512) 761-8119 Visit
3 Joel Richardson, Austin Mortgage Lender 5.0 99 Fee quoted per loan (512) 203-8244 Visit
4 Austin Mortgage Lending 4.9 100 Quoted per loan — Visit
5 Highlander Mortgage: Mortgage Broker In Austin 4.9 100 Quoted per loan (512) 501-3624 Visit
6 Prodigy Mortgage Brokers 5.0 83 Quoted per loan (512) 576-6115 Visit
7 JB Mortgage Group 4.8 39 Quoted per loan (512) 549-2180 Visit
8 Iron Harbor Mortgage LLC 5.0 35 Quoted per loan (866) 321-4733 Visit
9 Texas Real Estate Finance, LLC 5.0 25 Quoted per loan (281) 460-8800 Visit
10 Jack Loughborough PrimeLending NMLS #184050 5.0 24 Quoted per loan (512) 826-8013 Visit

How this Austin 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 Austin 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 mortgage, PMI, and property tax.
What is the debt-to-income ratio for Texas mortgages?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income, following FHA and Qualified Mortgage standards.
How does a higher interest rate affect my mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts at a 7.40% interest rate.
What is the minimum down payment for a first-time buyer in Texas?
Minimum down payment is 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Austin?
With less than 20% down, PMI is added, roughly 0.6% of the loan annually. It can usually be removed once the balance is below 80% of the home's value.
How does property tax in Texas impact my mortgage affordability?
Property tax is about 1.25% of the home's value annually. This affects your total monthly housing cost and mortgage affordability.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate estimate than pre-qualification.
How do existing debts affect my mortgage qualification in Austin?
Existing debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of your gross monthly income.
What does a mortgage broker do in Texas?
A mortgage broker helps find and negotiate mortgage terms with lenders, but this calculator provides an initial affordability estimate without a broker.

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