How much house can you afford in El Paso? 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 |
|---|
Sun City Home Loans
4.9 · 100 reviews · Free pre-approval
Get pre-approved →
New American Funding - El Paso- Mesa Park, TX
4.9 · 100 reviews · Free pre-approval
Get pre-approved →
Insight Mortgage Company
5.0 · 96 reviews · Free pre-approval
Get pre-approved →
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 →
Sun City Home Loans specializes in FHA203K loans, helping buyers finance homes that need repairs or renovations. Their team guides clients through various loan options, including contingency funds and mortgage payment assistance during remodeling. Customers appreciate their knowledgeable, responsive service and clear explanations throughout the loan process.
New American Funding’s El Paso team specializes in helping a diverse range of homebuyers navigate the mortgage process with clear guidance and quick loan closings. They offer personalized mortgage advice and support from application through funding, with many customers appreciating their responsiveness and thorough explanations, though some have noted occasional delays in communication.
Insight Mortgage Company focuses on guiding Texans through home financing with clear explanations and personalized support. They offer residential home loans for purchases and refinancing, including FHA, VA, USDA, and Conventional programs. Customers appreciate the team’s responsiveness and patience, though some note the process can feel slow at times.
New American Funding in El Paso offers a range of mortgage loans, including refinance and purchase options, with all processing handled in-house to speed up closings. The team is known for patient communication and personalized service, though some customers have experienced challenges when staff changes occur during the process.
Town Square Mortgage focuses on providing personalized, local loan services to make home financing smoother and faster. The team handles all loan aspects in-house, offering one-on-one attention and clear communication throughout the process. While many customers appreciate their responsiveness and helpfulness, a few have noted occasional issues with transparency during complex transactions.
Cadence Lending Group focuses on helping clients secure home loans with competitive interest rates and manageable closing costs. Their team guides borrowers through the mortgage process, often providing clear explanations and responsive communication. While many appreciate their professionalism and support, some clients have experienced delays and communication challenges during closing.
Prime Mortgage LLC is known for guiding first-time homebuyers through the mortgage process with clear explanations and consistent communication. The team offers loan approvals with minimal documentation and stays responsive throughout. Some customers note a lack of upfront payment details before signing, but many appreciate the personal care and support they receive.
My Home Loans, LLC has been helping El Paso residents navigate home financing since 1995, focusing on conventional loans that speed up the purchase process. The team offers clear guidance and stays responsive throughout, making the experience smoother, though some find the variety of loan options initially overwhelming.
Old West Lending specializes in helping borrowers with credit scores as low as 500 shortly after bankruptcy or foreclosure. The team offers flexible guidelines for conventional, FHA, and VA loans, often assisting clients who have been declined elsewhere. Customers appreciate their responsiveness and willingness to work through challenging situations.
Rocky Mountain Mortgage Company offers in-house underwriting and specializes in home loans for first-time buyers, growing families, and business owners. With over 30 years in the industry, they provide mortgages for both new and used homes. Customers appreciate their integrity and personalized approach, though some note challenges with communication and responsiveness.
There are so many great reviews but unfortunately, I did not have the best service, I was lied to. The Property had a lien and the loan officer knew of this, they failed to mention it after the first title company( Lone Star Title) notified Town Square Mortgage about the lien, so they moved to a dif…
Lenders made 8,354 home-purchase loans in El Paso County in 2025 (average about $272,000) and denied 1,275 — 13% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In El Paso, the median home is worth $184,500 and 54% of owners have a mortgage, paying a median $1,604 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in El Paso 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 | Sun City Home Loans | 4.9 | 100 | Quoted per loan | (915) 276-7629 | Visit |
| 2 | New American Funding - El Paso- Mesa Park, TX | 4.9 | 100 | Quoted per loan | — | Visit |
| 3 | Insight Mortgage Company | 5.0 | 96 | Quoted per loan | (915) 525-3053 | Visit |
| 4 | New American Funding - El Paso - Joe Battle, TX | 4.9 | 81 | Quoted per loan | (915) 226-0365 | Visit |
| 5 | Town Square Mortgage, El Paso, TX | 4.9 | 56 | Quoted per loan | (915) 271-4591 | Visit |
| 6 | Cadence Lending Group | 4.7 | 40 | Quoted per loan | (915) 779-1633 | Visit |
| 7 | Prime Mortgage LLC | 4.8 | 35 | Quoted per loan | (915) 587-7463 | Visit |
| 8 | My Home Loans, LLC | 4.5 | 16 | Quoted per loan | (915) 921-1003 | Visit |
| 9 | Old West Lending | 5.0 | 11 | Quoted per loan | (575) 649-6545 | Visit |
| 10 | Rocky Mountain Mortgage Company | 2.9 | 9 | Quoted per loan | (915) 791-4150 | 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.