How much house can you afford in Garland? 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 |
|---|
Lock It MortgageVerified
5.0 · 856 reviews · Free pre-approval
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August REI
4.5 · 615 reviews · Free pre-approval
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Fairway Independent Mortgage Corporation
5.0 · 300 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 →
Lock It Mortgage specializes in DSCR loans and works closely with clients interested in multiple properties. The team provides detailed guidance on closing costs and keeps borrowers informed about interest rates and loan status throughout the process. Customers appreciate their responsiveness and clear communication, though a few note occasional adjustments in fees.
August REI specializes in state-licensed residential mortgage loan servicing with a focus on accuracy and risk reduction through a centralized tracking platform. The team manages payments, escrow, compliance, and reporting for homeowners, lenders, and investors, providing transparent communication and automated reports. Some clients note occasional delays in resolving credit reporting issues.
Fairway Independent Mortgage Corporation is known for clear communication and a smooth loan process that helps reduce stress for first-time and experienced borrowers alike. The team handles mortgage applications efficiently, keeping clients informed and supported from start to finish. Customers appreciate their friendly approach and quick responses to questions.
Fairway Home Mortgage - The Heritage Group is known for clear communication and responsive support throughout the home loan process. The team helps with home purchases and refinancing, guiding clients with organized, patient service. Customers appreciate their timely answers and the added convenience of Fairway Connect for setting up utilities.
Promise Mortgage specializes in personalized mortgage guidance backed by years of industry experience, with a focus on transparency and clear communication. They offer a wide range of loan options, including home purchase, refinancing, FHA, VA, Jumbo, and reverse mortgages. Clients appreciate the team’s responsiveness and dedication, noting smooth processes even in challenging market conditions.
Known for their attentive and supportive approach, Vstar Lending LLC helps clients navigate home loans and refinancing with clear communication and care. The team works closely throughout the mortgage process to keep things smooth and manageable, earning praise for professionalism and responsiveness. Some customers note the process can be detailed but appreciate the guidance provided.
Not Your Average Lender is known for its persistence and clear communication throughout the loan process. The team handles a variety of mortgage services, working to overcome obstacles and keep clients informed from pre-approval to closing. Some clients appreciate the dedication but note occasional delays and communication challenges during busy periods.
Fairway Home Mortgage offers a wide range of loan options, including construction, VA, FHA, and refinancing loans, designed to fit diverse financial needs. The team provides clear guidance and keeps clients informed throughout the mortgage process, with many appreciating their helpful and knowledgeable approach. Some clients note the process can be detailed but manageable with their support.
Cuesta Mortgage focuses on personalized mortgage guidance tailored to each client’s financial situation, including self-employed borrowers and real estate investors. They offer a range of loan programs—from conventional to specialty loans—and work to make the financing process clear and manageable. Clients appreciate the team’s patience and thorough explanations throughout the home-buying journey.
Fairway Home Mortgage specializes in a wide range of loan options tailored to fit diverse homeownership goals, from conventional to specialized loans like construction and physician loans. The team provides personalized guidance throughout the mortgage process, with clients appreciating their attentiveness and ability to navigate complex situations smoothly.
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 Garland, the median home is worth $270,800 and 58% of owners have a mortgage, paying a median $1,919 a month (Census ACS 2020–2024).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Lock It Mortgage | 5.0 | 856 | — | (888) 870-5625 | Visit |
| 2 | August REI | 4.5 | 615 | — | (972) 767-9219 | Visit |
| 3 | Fairway Independent Mortgage Corporation | 5.0 | 300 | — | (972) 278-3400 | Visit |
| 4 | Fairway Home Mortgage - The Heritage Group | 4.9 | 222 | Quoted per loan | (972) 278-3400 | Visit |
| 5 | Promise Mortgage LLC | 5.0 | 63 | — | (972) 805-6326 | Visit |
| 6 | Vstar Lending LLC | 4.9 | 41 | Quoted per loan | (877) 655-5055 | Visit |
| 7 | Not Your Average Lender | 3.9 | 30 | — | (972) 203-9033 | Visit |
| 8 | Kristy Osborn | Fairway Home Mortgage | 5.0 | 13 | — | (972) 841-9147 | Visit |
| 9 | Cuesta Mortgage powered by Not Your Average Lender | 4.7 | 13 | Quoted per loan | (214) 566-9497 | Visit |
| 10 | Jennifer Aleman Salazar | Fairway Home Mortgage | 5.0 | 2 | — | (214) 534-5600 | 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.