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Review Keywords Analysis

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

Mortgage Affordability Calculator Fort Worth, TX

How much house can you afford in Fort Worth? 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 Fort Worth

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

1

Linda Mister - Highlands Residential Mortgage

Verified

Specializing in a wide range of mortgage programs, Highlands Residential Mortgage has built a reputation for working closely with veterans, investors, and first-time buyers. The team guides clients through every step with clear communication and a patient approach, though some may find the process takes time due to thorough attention to detail.

Services & Prices
Jumbo Loans, VA Loans, Conventional Loans)
Cash-Out Refinance, Lower Rate Refinance, Streamline Refinance)
Pre-Approval Process, Homebuyer Education, Credit Counseling)
Single-Family Investment Loans, Multi-Family Investment Loans, Portfolio Loans)
View Profile
Closed Now
2813 S Hulen St #250, Fort Worth, TX 76109, USA
General Services
Mortgage Services
2

First Financial Bank

First Financial Bank offers access to SavvyMoney, a free platform that helps customers monitor and manage their credit scores online or via mobile banking. Their mortgage team guides clients through home buying and refinancing with clear communication and support, though some customers have experienced delays and service inconsistencies during the process.

Services & Prices
First-Time Home Buyer Loans Quoted per loan
Refinancing Loans Quoted per loan
Conventional Loans Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(817) 410-4979
Closed Now
1000 Forest Park Blvd, Fort Worth, TX 76110, USA
General Services
Home Loans
3

Colonial Banking & Home Loans

Specializing in renovation and new home construction loans, Colonial Banking & Home Loans brings over a decade of experience to the mortgage process. The team handles a range of home financing needs, with many clients appreciating their responsiveness and clear explanations. Some customers note challenges with communication and long hold times when contacting support.

Services & Prices
First Time Homebuyer Loans Quoted per loan
Refinancing Quoted per loan
Cash Out Refinance Quoted per loan
Conventional Loans Quoted per loan
View Profile
(817) 390-2380
Closed Now
2600 West Fwy, Fort Worth, TX 76102, USA
General Services
Mortgage Lending
4

American Financial Network Inc. Fort Worth

Specializing in government-backed loans like FHA, USDA Rural Development, and 203K Purchase/Rehab, this team also offers conventional, jumbo, and portfolio loan options. Customers appreciate their clear communication and responsiveness throughout the mortgage process, though some note the process can still feel lengthy at times.

Services & Prices
First Time Home Buyers Program Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(817) 361-4565
Open 8:00 AM - 5:00 PM
4500 Mercantile Plaza Dr #300, Fort Worth, TX 76137, USA
General Services
Home Loan
5

Service First Mortgage

Service First Mortgage focuses on providing clear financial education alongside mortgage lending, helping customers make informed decisions. The team offers a smooth, communicative experience from application to closing, with quick responses and modern tools like digital document uploads. Customers appreciate their attentiveness and support throughout the process.

Services & Prices
First Time Home Buyer Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
Rate & Term Refinance Quoted per loan
View Profile
(682) 499-2305
Closed Now
5200 Locke Ave,Fort Worth, TX 76107
General Services
Home Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

LoanFi Mortgage

LoanFi Mortgage focuses on guiding clients through the complexities of home loans with clear explanations and personalized service. They offer customized mortgage quotes, competitive rates, and specialized FHA 203K loans for buyers interested in purchasing and renovating older homes. Customers appreciate their responsiveness and thorough communication, though some note lender incentives may vary.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Loan Refinancing Quoted per loan
Home Purchase Loans Quoted per loan
View Profile
(817) 820-6010
Closed Now
5049 Edwards Ranch Rd suite 04-151, Fort Worth, TX 76109, USA
General Services
Mortgage Services
7

Colonial Banking

Colonial Banking’s specialty is its award-winning single-close construction loan, backed by over 140 years of combined mortgage experience. The team also handles a wide range of home loans, including Conventional, VA, FHA, and USDA programs. Customers appreciate the friendly, efficient service and personal attention they receive at every visit.

Services & Prices
Checking Account $0 - $15
Savings Account $0 - $10
Joint Accounts $0 - $15
Home Loans Quoted per loan
View Profile
(817) 380-7100
Closed Now
10860 N Beach St, Fort Worth, TX 76244, USA
General Services
Personal Banking
8

Legacy Mutual Mortgage

Legacy Mutual Mortgage emphasizes integrity and respect, treating customers and referral partners as more than transactions. Their team handles home loans with clear communication and attention to detail, often closing within 21 days. While most clients appreciate their professionalism and support, a few have noted occasional challenges with pre-qualification reliability.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinance Mortgage Quoted per loan
Pre-Approval Services Quoted per loan
Financial Assessment Quoted per loan
View Profile
(817) 870-2777
Open 8:00 AM - 5:00 PM
4455 Camp Bowie Blvd,Fort Worth, TX 76107
General Services
Mortgage Origination
9

First United Bank Mortgage Group - Fort Worth

First United takes the time to get to know our customers. To help you understand your situation, we answer all your questions. We house all of our processing, funding, and closing departments under the same roof, which is a big difference from other lending companies. This allows us to streamline and speed up the process. This results in a loan that is simple, quick, easy, and tailored… more...

First United takes the time to get to know our customers. To help you understand your situation, we answer all your questions. We house all of our processing, funding, and closing departments under the same roof, which is a big difference from other lending companies. This allows us to streamline and speed up the process. This results in a loan that is simple, quick, easy, and tailored specifically to your needs and investment.

View Profile
(682) 312-1325
Closed Now
5600 Clearfork Main St Suite 160, Fort Worth, TX 76107, USA
10

Integrity Home Lending, LLC

Serves Fort Worth, TX

Known for a customer-first approach, Integrity Home Lending, LLC offers a broad range of loan programs including purchase, refinance, and specialized loans. The team provides clear guidance and helpful tools throughout the mortgage process, with clients appreciating their supportive and informative service, especially for first-time buyers.

Services & Prices
Fixed-Rate Mortgage Quoted per loan
Adjustable-Rate Mortgage Quoted per loan
FHA Loan Quoted per loan
Conventional Loan Quoted per loan
View Profile
(817) 653-4052
Closed Now
1281 W Green Oaks Blvd #113, Arlington, TX 76013
General Services
Mortgage Lending

Latest reviews of Fort Worth Mortgage Brokers

Written on TrustAnalytica by clients of the businesses in this list
  • Christie

    Horrible experience with bank. Lost my deposit for 2nd time. The first thank God I saved the deposit slip. This time $500. Had to call several times and was told they couldn't find it. The last customer service representative Deanna Morsales was no help and basically nothing they could do. It would…

  • Philip

    Horrible experience with this bank! We tried to get a home loan through them, and they waited until three days before closing to let us know that they appraised our property for less than they appraised it for last year when we did the original loans even though we had added hundreds of thousands of…

Fort Worth Mortgage Statistics

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

Lenders made 22,124 home-purchase loans in Tarrant County in 2025 (average about $381,000) and denied 3,401 — 13% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Fort Worth, the median home is worth $303,000 and 64% of owners have a mortgage, paying a median $2,188 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
22,124▼ 5%23,374 in 2024
Denial rate
13%TX 19%
Median home value
$303,000TX $283,800
Monthly cost with a mortgage
$2,188median · TX $2,106
Refinance loans made (Tarrant County, 2025)
8,597 · 6,552 in 2024
Home-improvement loans made (2025)
1,676
Average home-purchase loan
$381,000 (TX $364,000)
Owners with a mortgage
64% · 30% of them spend 30%+ of income on housing
Median household income
$79,507 (TX $78,476)

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

Fort Worth Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Linda Mister - Highlands Residential Mortgage 4.8 56 — — Visit
2 First Financial Bank 4.7 102 Quoted per loan (817) 410-4979 Visit
3 Colonial Banking & Home Loans 4.4 100 Quoted per loan (817) 390-2380 Visit
4 American Financial Network Inc. Fort Worth 4.9 51 Quoted per loan (817) 361-4565 Visit
5 Service First Mortgage 5.0 35 Quoted per loan (682) 499-2305 Visit
6 LoanFi Mortgage 5.0 35 Quoted per loan (817) 820-6010 Visit
7 Colonial Banking 4.8 25 $10 (817) 380-7100 Visit
8 Legacy Mutual Mortgage 4.6 11 Quoted per loan (817) 870-2777 Visit
9 First United Bank Mortgage Group - Fort Worth 5.0 2 — (682) 312-1325 Visit
10 Integrity Home Lending, LLC 4.9 57 Quoted per loan (817) 653-4052 Visit

How this Fort Worth 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 Fort Worth 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 debt-to-income ratio do lenders use in Texas?
Lenders often cap housing costs at 31% of gross monthly income and total debt payments at 43%, though some allow more with strong credit.
What's the minimum down payment for a first-time buyer in Fort Worth?
Minimum down payments are 3% for conventional loans, 3.5% for FHA loans; VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect my mortgage in Texas?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan per year, removable when the loan balance falls below 80% of the home's value.
How do interest rates affect home affordability in Fort Worth?
Higher rates increase monthly payments, reducing the home price you can afford. The calculator starts at 7.40%, but rates change weekly.
How do my debts impact the mortgage I can qualify for?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at about 43% of your gross monthly income.
What are the property tax rates in Texas?
Property tax is about 1.25% of the home's value annually in Texas, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, credit, and down payment, while pre-qualification is a rough estimate without verification.
What does a mortgage broker do in Fort Worth?
A mortgage broker helps find and negotiate mortgage options from various lenders, tailored to your financial situation and needs.

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