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

How much house can you afford in Brownsville? 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 Brownsville

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

1

Reliant Mortgage Services

Reliant Mortgage Services focuses on personalized support to help clients secure mortgages for home purchases, refinancing, or home equity loans. The team guides customers through qualification and approval with clear communication and helpful tools like mortgage calculators. Clients appreciate their responsiveness and the smooth, well-informed process.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
View Profile
(956) 622-4307
Open 9:00 AM - 6:00 PM
1724 Boca Chica Blvd, Brownsville, TX 78520
General Services
Mortgage Services
2

Ronnie Humphreys - Loan Officer - Eustis Mortgage

With over 70 years of experience, Eustis Mortgage specializes in personalized home financing solutions tailored to individual needs. Their team guides clients through purchasing, refinancing, and renovation loans with clear communication and attentive support. Customers appreciate the smooth, timely process and the helpful resources available throughout the mortgage journey.

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(956) 203-0967
Open 9:00 AM - 5:00 PM
302 Lorenaly Dr Ste A, Brownsville, TX 78526
3

SecurityNational Mortgage Company

With over 30 years of experience, SecurityNational Mortgage Company offers a broad range of loan options, including conventional, FHA, VA, and jumbo loans. Customers appreciate the team’s personalized guidance and transparent process, though some note that communication can vary depending on the loan officer.

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(956) 554-0792
Open 9:00 AM - 5:00 PM
1213 E Alton Gloor Blvd Ste H & I, Brownsville, TX 78526
4

Ana Arriola - SecurityNational Mortgage Company Loan Officer

With over 30 years of experience and a strong financial foundation, SecurityNational Mortgage offers a broad range of loan options including conventional, FHA, VA, and construction loans. Customers appreciate the team’s professionalism, clear communication, and support throughout refinancing and home loan processes, making complex steps feel manageable and straightforward.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(956) 371-3048
Open 9:00 AM - 5:00 PM
1213 E Alton Gloor Blvd Ste H & I, Brownsville, TX 78526
General Services
Mortgage Services
5

Union Home Mortgage- Brownsville

Union Home Mortgage - Brownsville is recognized for its knowledgeable support with VA loans, making it a trusted choice for veterans. The team offers guidance through home loan options and maintains clear, consistent communication throughout the mortgage process. Customers appreciate their professionalism and the personal care that helps ease the complexities of buying a home.

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(956) 278-3135
Open 9:00 AM - 5:00 PM
333 E Adams St, Brownsville, TX 78520
Where they are 10 on the map Click a pin for the profile and directions
6

Amanda Garcia - SecurityNational Mortgage Company Loan Officer

SecurityNational Mortgage Company brings over 30 years of experience to a wide range of loan options, including conventional, FHA, VA, USDA, Jumbo, and construction loans. The team is known for guiding clients through the mortgage process with clear explanations and responsive support, helping both first-time buyers and seasoned homeowners navigate their financing choices. Some borrowers note the… more...

SecurityNational Mortgage Company brings over 30 years of experience to a wide range of loan options, including conventional, FHA, VA, USDA, Jumbo, and construction loans. The team is known for guiding clients through the mortgage process with clear explanations and responsive support, helping both first-time buyers and seasoned homeowners navigate their financing choices. Some borrowers note the process can feel detailed, but the staff’s patience and thoroughness help ease the journey.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Interest Rate Lock Quoted per loan
View Profile
(956) 832-3137
Open 9:00 AM - 5:00 PM
1213 E Alton Gloor Blvd Ste H & I, Brownsville, TX 78526
General Services
Mortgage Services
7

Finance of America Mortgage LLC

Finance of America Mortgage LLC focuses on guiding clients through the home loan process with clear explanations and personalized support. The team helps buyers secure favorable interest rates while making financing understandable and approachable. Customers appreciate their friendly service and thorough communication throughout each step.

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(956) 572-4700
Open 9:00 AM - 5:00 PM
3040 Ruben M Torres Blvd Ste A, Brownsville, TX 78526
8

Hallmark Home Mortgage

Hallmark Home Mortgage is recognized for its attentive, client-focused approach, with agents who take time to understand individual needs. The team offers a range of mortgage services, working to find loans that fit various budgets and situations. While many appreciate their friendly and helpful service, some customers have experienced delays during the closing process.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Loan Pre-Approval Quoted per loan
FHA Loans Quoted per loan
View Profile
(956) 903-9701
Open 8:00 AM - 5:00 PM
3040 Ruben M Torres Blvd Ste A, Brownsville, TX 78526
General Services
Mortgage Services
9

Annie Mac Home Mortgage

AnnieMac Home Mortgage offers a variety of loan options, including purchase, refinance, and construction loans, with specialized programs like Cash2Keys® designed to ease the buying process. Clients appreciate the team’s clear communication and ongoing support, though some find the range of programs requires careful review to choose the best fit.

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(956) 202-1683
Open 9:00 AM - 5:00 PM
868 W Price Rd Ste 868, Brownsville, TX 78520
10
View Profile
(956) 465-7830
Open 8:00 AM - 8:00 PM
805 Media Luna Rd #610, Brownsville, TX 78520

Brownsville Mortgage Statistics

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

Lenders made 2,785 home-purchase loans in Cameron County in 2025 (average about $280,000) and denied 691 — 20% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Brownsville, the median home is worth $139,900 and 42% of owners have a mortgage, paying a median $1,497 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
2,785▼ 3%2,864 in 2024
Denial rate
20%TX 19%
Median home value
$139,900TX $283,800
Monthly cost with a mortgage
$1,497median · TX $2,106
Refinance loans made (Cameron County, 2025)
1,047 · 851 in 2024
Home-improvement loans made (2025)
98
Average home-purchase loan
$280,000 (TX $364,000)
Owners with a mortgage
42% · 32% of them spend 30%+ of income on housing
Median household income
$52,130 (TX $78,476)

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

How this Brownsville 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 in Brownsville?
It estimates the highest home price you can qualify for using your income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability estimate?
The estimate is based on typical lender rules, but a pre-approval confirms the real number by verifying your income, debts, and credit.
What is the debt-to-income ratio for mortgages in Texas?
Lenders generally cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What is the minimum down payment for a mortgage in Texas?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How do interest rates affect 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 this calculator.
How do debts impact the mortgage I can qualify for?
Higher monthly debt payments reduce the mortgage amount you can qualify for, as lenders consider total debt-to-income ratios.
What are property taxes like in Texas?
Property taxes are about 1.25% of the home's value annually, based on the 2024 average for owner-occupied homes.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, while pre-qualification is a preliminary estimate without verification.
What does a mortgage broker do?
A mortgage broker helps find loan options and guides you through the mortgage application process.

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