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.
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 |
|---|
LendFriend MortgagePremium
5.0 · 599 reviews · Free pre-approval
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Barton Creek Lending Group
4.9 · 358 reviews · Free pre-approval
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Joel Richardson, Austin Mortgage Lender
5.0 · 99 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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).
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.
| # | 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 |
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.