×

Review Keywords Analysis

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

Mortgage Affordability Calculator Denton, TX

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.

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 Denton

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

1

Highlands Residential Mortgage Denton

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.

View Profile
(940) 387-7777
Open 8:00 AM - 5:00 PM
2300 San Jacinto Blvd, Denton, TX 76205
2

Loans with Wes Gregg

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.

Services & Prices
New Construction Loans Quoted per loan
Mobile Home Loans Quoted per loan
First-Time Homebuyer Loans Quoted per loan
Rate and Term Refinancing Quoted per loan
View Profile
(817) 781-9392
Open 9AM - 5PM
100 W Oak St Suite G-109, Denton, TX 76201
General Services
Mortgage Financing
3

Fairway Independent Mortgage Corporation

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.

View Profile
(940) 484-5626
Open 8:30 AM - 5:30 PM
2442 Lillian Miller Pkwy #100, Denton, TX 76205
4

NFM Lending - Denton

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.

View Profile
(214) 377-0041
Open 9:00 AM - 5:00 PM
101 S Locust St Ste 703, Denton, TX 76201
5

The Mortgage Brewer at Summit Lending

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(972) 232-7340
Open 9:00 AM - 5:00 PM
100 W Oak St, Denton, TX 76201
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Academy Mortgage

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.

View Profile
(940) 294-8440
Open 9:00 AM - 5:00 PM
207 W Hickory St #312, Denton, TX 76201
7

TJ Sam Mortgage LLC

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.

Services & Prices
First Time Homebuyer Assistance Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(469) 469-0800
Open 8:00 AM - 8:00 PM
2209 Palamino Ct, Denton, TX 76210
General Services
Mortgage Services
8

Cultivate Mortgage

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.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(940) 600-1929
Open 9:00 AM - 5:00 PM
1908 Hollister Ln, Denton, TX 76210
General Services
Mortgage Services
9

Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer

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.

View Profile
(940) 484-5626
Open 8:00 AM - 6:00 PM
2442 Lillian Miller Pkwy #100, Denton, TX 76205
10

Planet Home Lending, LLC - Denton

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.

View Profile
(940) 368-6805
Open 9:00 AM - 5:00 PM
2701 Wind River Ln Ste B, Denton, TX 76210

Denton Mortgage Statistics

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

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).

Home-purchase loans, 2025
16,533▼ 7%17,798 in 2024
Denial rate
12%TX 19%
Median home value
$348,200TX $283,800
Monthly cost with a mortgage
$2,225median · TX $2,106
Refinance loans made (Denton County, 2025)
7,215 · 4,358 in 2024
Home-improvement loans made (2025)
974
Average home-purchase loan
$461,000 (TX $364,000)
Owners with a mortgage
62% · 30% of them spend 30%+ of income on housing
Median household income
$76,019 (TX $78,476)

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.

Denton Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Denton 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

10 questions
How does the Denton mortgage affordability calculator work?
It estimates the highest home price you can qualify for using your income, debts, down payment, and interest rate. It considers PMI and property tax.
How accurate is the Denton mortgage calculator?
The calculator provides an estimate. Actual affordability depends on lender verification of income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Texas?
Lenders often cap housing costs at 31% and total debt payments at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in Denton?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Denton?
With less than 20% down, PMI is added, about 0.6% of the loan annually. It can usually be removed once the balance is below 80% of the home's value.
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 change weekly; the calculator starts at 7.40%.
How do my debts impact my mortgage qualification?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of gross monthly income.
What are property taxes like in Texas?
Property tax in Texas is about 1.25% of the home's value annually, based on the 2024 average for owner-occupied homes.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval is a lender-verified confirmation of your borrowing capacity, while pre-qualification is an initial estimate without verification.
What does a mortgage broker do in Denton?
A mortgage broker helps find and negotiate mortgage loans, connecting borrowers with lenders.

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