How much house can you afford in Denton? 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.
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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 |
|---|
Highlands Residential Mortgage Denton
5.0 · 163 reviews · Free pre-approval
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Loans with Wes Gregg
5.0 · 151 reviews · Free pre-approval
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Fairway Independent Mortgage Corporation
4.9 · 152 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 →
Highlands Residential Mortgage focuses on providing a customer-first mortgage experience with loan officers who know the local market well. They assist with home purchases and refinancing through a variety of conventional and government loan programs, using user-friendly tools to simplify the process. Customers often note smooth communication and helpful, personalized service throughout their… more...
Highlands Residential Mortgage focuses on providing a customer-first mortgage experience with loan officers who know the local market well. They assist with home purchases and refinancing through a variety of conventional and government loan programs, using user-friendly tools to simplify the process. Customers often note smooth communication and helpful, personalized service throughout their transactions.
Licensed under Summit Lending, Loans with Wes Gregg specializes in personalized mortgage solutions for first-time buyers, refinances, and a variety of loan types including FHA and VA loans. The team is known for clear communication and thorough guidance, helping clients navigate complex financing with patience and responsiveness. Some clients note the process can take time, but appreciate the… more...
Licensed under Summit Lending, Loans with Wes Gregg specializes in personalized mortgage solutions for first-time buyers, refinances, and a variety of loan types including FHA and VA loans. The team is known for clear communication and thorough guidance, helping clients navigate complex financing with patience and responsiveness. Some clients note the process can take time, but appreciate the detailed support throughout.
Fairway Independent Mortgage Corporation is known for clear communication and responsive support throughout the home lending process. The team assists with financing options and works to make home purchases smooth and timely. Customers appreciate their honest guidance, though the process can still involve typical lending complexities.
Known for its personalized guidance throughout the lending process, NFM Lending offers a range of mortgage solutions including home purchase loans and refinancing options. Customers appreciate the team’s clear communication and supportive approach, though some find the process can take time when handling complex cases.
The Mortgage Brewer at Summit Lending is known for clear, detailed mortgage scenarios that help clients understand their options before committing. The team handles home purchases and refinancing with frequent updates and patient guidance, especially appreciated by first-time buyers. Some clients note the process requires timely information sharing to keep things moving smoothly.
With over 60 years in the mortgage business, Academy Mortgage offers a range of loan options including conventional, FHA, VA, and USDA programs. Customers appreciate the team’s clear communication and smooth process, though some note varying experiences depending on the specific agents involved.
With 25 years of experience, TJ Sam Mortgage acts as a knowledgeable advocate, guiding clients through home purchases, refinancing, and investment property loans. The team focuses on clear communication and tailored loan options from a broad lender network, helping even first-time buyers feel confident throughout the process. Customers appreciate their responsiveness and patient explanations at… more...
With 25 years of experience, TJ Sam Mortgage acts as a knowledgeable advocate, guiding clients through home purchases, refinancing, and investment property loans. The team focuses on clear communication and tailored loan options from a broad lender network, helping even first-time buyers feel confident throughout the process. Customers appreciate their responsiveness and patient explanations at every step.
Cultivate Mortgage stands out for its transparent, personalized approach that combines local service with the broad rate-shopping power of an independent broker. Serving Texas and Arkansas, the team guides clients through home loan options with clear communication and steady updates. Customers appreciate their responsiveness and support, even during tight schedules or remote coordination.
Fairway Independent Mortgage Corporation offers a wide range of loan options tailored to diverse home financing needs, including conventional, FHA, VA, and renovation loans. The team provides personalized guidance throughout the mortgage process, helping clients navigate paperwork and requirements with patience and clarity. Customers appreciate the knowledgeable and supportive service, though… more...
Fairway Independent Mortgage Corporation offers a wide range of loan options tailored to diverse home financing needs, including conventional, FHA, VA, and renovation loans. The team provides personalized guidance throughout the mortgage process, helping clients navigate paperwork and requirements with patience and clarity. Customers appreciate the knowledgeable and supportive service, though some note the paperwork can be extensive.
With over 30 years of local real estate experience, the team at Planet Home Lending in Denton focuses on specialized loan products like manufactured housing, USDA, and VA loans. They provide personalized financial coaching, especially for first-time homebuyers, and are known for clear communication and patient support throughout the mortgage process.
Lenders made 16,533 home-purchase loans in Denton County in 2025 (average about $461,000) and denied 2,224 — 12% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Denton, the median home is worth $348,200 and 62% of owners have a mortgage, paying a median $2,225 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Denton 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 | Highlands Residential Mortgage Denton | 5.0 | 163 | — | (940) 387-7777 | Visit |
| 2 | Loans with Wes Gregg | 5.0 | 151 | Quoted per loan | (817) 781-9392 | Visit |
| 3 | Fairway Independent Mortgage Corporation | 4.9 | 152 | — | (940) 484-5626 | Visit |
| 4 | NFM Lending - Denton | 4.9 | 141 | — | (214) 377-0041 | Visit |
| 5 | The Mortgage Brewer at Summit Lending | 5.0 | 128 | Quoted per loan | (972) 232-7340 | Visit |
| 6 | Academy Mortgage | 5.0 | 37 | — | (940) 294-8440 | Visit |
| 7 | TJ Sam Mortgage LLC | 5.0 | 25 | Quoted per loan | (469) 469-0800 | Visit |
| 8 | Cultivate Mortgage | 5.0 | 24 | Quoted per loan | (940) 600-1929 | Visit |
| 9 | Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer | 5.0 | 16 | — | (940) 484-5626 | Visit |
| 10 | Planet Home Lending, LLC - Denton | 5.0 | 10 | — | (940) 368-6805 | 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.