×

Review Keywords Analysis

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

Mortgage Affordability Calculator Dallas, TX

How much house can you afford in Dallas? 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 Dallas

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

1

Churchill Mortgage - Dallas

With over 30 years of experience as a direct lender, Churchill Mortgage focuses on transparent, personal service for home purchase and refinance loans. The team guides clients through each step, aiming for clear communication and a smooth process, though some reviews note occasional issues with professionalism.

View Profile
(214) 540-4966
Open 9:00 AM - 5:00 PM
12377 Merit Dr, Dallas, TX 75251
2

HomeTown Lending

With over 150 years of combined experience, HomeTown Lending focuses on creating a personalized, community-oriented mortgage experience. They assist with home purchases, refinancing, and a variety of loan programs, while clients appreciate their responsiveness and clear communication throughout the process. Some find the process complex, but the team’s guidance helps ease the experience.

View Profile
(972) 322-4472
Open 00:00 - 23:59
5050 Quorum Dr #600, Dallas, TX 75254
3

Academy Mortgage

With over 60 years in the mortgage industry, Academy Mortgage offers a broad range of loan options including first-time homebuyer programs, refinancing, and specialty loans. Customers appreciate the team’s knowledgeable and friendly approach, though some note the process can take longer than expected. Their services aim to support diverse home financing needs.

View Profile
(512) 426-9225
Open 9:00 AM - 5:00 PM
5646 Milton St #830, Dallas, TX 75206
4

Wade Betz, Mortgage Broker

Known for clear and consistent communication, the Wade Betz team guides clients through both first-time and complex home purchases with professionalism and care. They offer mortgage brokerage services focused on keeping borrowers informed and supported, often using detailed follow-up videos to explain each step. Customers appreciate their honest approach and steady guidance throughout the… more...

Known for clear and consistent communication, the Wade Betz team guides clients through both first-time and complex home purchases with professionalism and care. They offer mortgage brokerage services focused on keeping borrowers informed and supported, often using detailed follow-up videos to explain each step. Customers appreciate their honest approach and steady guidance throughout the approval process.

Services & Prices
First-Time Home Buyer Assistance Quoted per loan
Mortgage Approval Assistance Quoted per loan
View Profile
(469) 906-2522
Open 8:00 AM - 5:00 PM
4514 Cole Ave Suite 600, Dallas, TX 75205
General Services
Mortgage Services
5

The Tuttle Group

Known for guiding clients with unique loan situations, The Tuttle Group specializes in mortgage programs tailored to long-term financial goals. Their services include conventional and jumbo loans, refinancing, and support for first-time buyers, veterans, and the self-employed. Customers appreciate their clear communication and helpful resources throughout the home-buying process.

Services & Prices
Rate Comparison Service Quoted per loan
Loan Pre-Approval Service Quoted per loan
Closing Cost Assistance Quoted per loan
View Profile
(972) 505-2142
Open 8:30 AM - 6:00 PM
18383 Preston Rd #100, Dallas, TX 75252
General Services
Mortgage Brokerage
Where they are 10 on the map Click a pin for the profile and directions
6

Mortgage Mark

Known for their personalized approach, Mortgage Mark helps clients navigate home loans with tailored solutions and clear communication. The team offers services for buying, selling, and refinancing homes, along with educational resources on credit and loan options. While many appreciate their responsiveness and support, some note challenges with communication and loan details in complex cases.

View Profile
(972) 829-8639
Open 8:30 AM - 5:30 PM
5495 Belt Line Rd Ste 140, Dallas, TX 75254
7

Sara Parker Jones Mortgage Specialist – Dallas Home Loans

Specializing in simplifying the home loan process, Sara Parker Jones Mortgage Specialist offers personalized guidance from application through closing and beyond. The team assists with various loan types and refinancing, known for clear communication and responsiveness. Some clients note the process can be detailed, but overall support helps ease the complexities of home financing.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate-and-Term Refinancing Quoted per loan
View Profile
(972) 841-9010
Open 9:00 AM - 6:00 PM
2626 Cole Ave suit 300, Dallas, TX 75219
General Services
Home Loans
8

Novus Home Mortgage – Mortgage Lenders in Dallas, TX

Novus Home Mortgage stands out for its ability to secure home loans when other lenders say no, drawing on over 100 years of combined leadership experience. As a mortgage broker, they offer a broad range of loan options—including conventional, FHA, VA, and investment property loans—while focusing on clear communication and fast approvals. Customers appreciate their responsiveness and thorough… more...

Novus Home Mortgage stands out for its ability to secure home loans when other lenders say no, drawing on over 100 years of combined leadership experience. As a mortgage broker, they offer a broad range of loan options—including conventional, FHA, VA, and investment property loans—while focusing on clear communication and fast approvals. Customers appreciate their responsiveness and thorough guidance throughout the loan process.

View Profile
(469) 737-5733
Open 8:00 AM - 5:00 PM
17250 Dallas Pkwy, Dallas, TX 75248
9

Stonebriar Mortgage

Stonebriar Mortgage specializes in creative loan structures that help clients navigate financing with confidence, even when traditional appraisals pose challenges. The team offers personalized mortgage solutions and is known for clear communication and thorough market knowledge. Some clients note the process can require patience, but the support throughout is consistent.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(214) 669-3307
Open 8:00 AM - 6:00 PM
6220 Gaston Ave Ste 575, Dallas, TX 75214
General Services
Mortgage Services
10

Dallas Mortgage Girl, Wrayanne Williams, NMLS 231235

Known for personalized mortgage guidance backed by over 20 years of experience, Dallas Mortgage Girl offers a range of loan options including FHA, VA, USDA, and conventional mortgages. The team supports first-time and repeat buyers through a clear, low-stress process, with clients appreciating their thorough communication and hands-on approach.

Services & Prices
Home Purchase Loans Quoted per loan
Mortgage Refinancing Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(214) 914-5469
Open 8:00 AM - 5:00 PM
6301 Gaston Ave Ste 1146, Dallas, TX 75214
General Services
Mortgage Services

Dallas Mortgage Statistics

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

Lenders made 18,906 home-purchase loans in Dallas County in 2025 (average about $494,000) and denied 3,361 — 15% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Dallas, the median home is worth $320,700 and 54% of owners have a mortgage, paying a median $2,316 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
18,906▼ 4%19,778 in 2024
Denial rate
15%TX 19%
Median home value
$320,700TX $283,800
Monthly cost with a mortgage
$2,316median · TX $2,106
Refinance loans made (Dallas County, 2025)
8,941 · 6,861 in 2024
Home-improvement loans made (2025)
1,456
Average home-purchase loan
$494,000 (TX $364,000)
Owners with a mortgage
54% · 31% of them spend 30%+ of income on housing
Median household income
$70,518 (TX $78,476)

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

Dallas Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Churchill Mortgage - Dallas 4.9 502 — (214) 540-4966 Visit
2 HomeTown Lending 4.9 425 — (972) 322-4472 Visit
3 Academy Mortgage 4.9 307 — (512) 426-9225 Visit
4 Wade Betz, Mortgage Broker 5.0 230 Quoted per loan (469) 906-2522 Visit
5 The Tuttle Group 5.0 203 Quoted per loan (972) 505-2142 Visit
6 Mortgage Mark 4.9 190 — (972) 829-8639 Visit
7 Sara Parker Jones Mortgage Specialist – Dallas Home Loans 5.0 156 Quoted per loan (972) 841-9010 Visit
8 Novus Home Mortgage – Mortgage Lenders in Dallas, TX 4.9 144 — (469) 737-5733 Visit
9 Stonebriar Mortgage 4.8 73 Quoted per loan (214) 669-3307 Visit
10 Dallas Mortgage Girl, Wrayanne Williams, NMLS 231235 5.0 56 Quoted per loan (214) 914-5469 Visit

How this Dallas 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 Dallas mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate, including PMI and property tax.
What is the debt-to-income ratio for mortgages in Texas?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%.
How does a down payment affect PMI in Texas?
Under 20% down, conventional loans add PMI, about 0.6% of the loan annually. PMI can usually be removed once the loan balance is below 80% of the home's value.
How do interest rates impact mortgage affordability in Dallas?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts at 7.40%, but rates change weekly.
How do debts affect how much mortgage I can qualify for?
Higher monthly debt payments reduce the amount you can borrow, as lenders consider total debt-to-income ratio limits.
What are property taxes like in Texas?
Property tax in Texas is about 1.25% of the home's value annually, based on 2024 averages for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, while pre-qualification is an initial estimate without verification.
How much house can I afford on a $100k salary in Dallas?
The calculator estimates based on income, debts, down payment, and interest rates. Exact affordability depends on your specific financial situation.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage terms with lenders, potentially offering a range of loan options.

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