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Review Keywords Analysis

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

Mortgage Affordability Calculator Grand Prairie, TX

How much house can you afford in Grand Prairie? 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 Grand Prairie

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

1

Eroica Financial Services

Verified

Eroica Financial Services specializes in providing clear mortgage options with competitive rates across FHA, VA, USDA, conventional, and investment property loans. The team helps clients navigate programs like Buy Before You Sell, temporary rate buydowns, and reverse mortgages, offering straightforward guidance throughout the process. Customers appreciate their clear communication and smooth… more...

Eroica Financial Services specializes in providing clear mortgage options with competitive rates across FHA, VA, USDA, conventional, and investment property loans. The team helps clients navigate programs like Buy Before You Sell, temporary rate buydowns, and reverse mortgages, offering straightforward guidance throughout the process. Customers appreciate their clear communication and smooth, stress-free experience.

Services & Prices
Home Purchase Loans, Refinancing, Investment Property Loans)
Fixed Rate Loans, Adjustable Rate Loans)
Application Assistance, Document Preparation, Ongoing Support)
View Profile
(972) 264-8465
Closed Now
524 Goodwin Dr, Grand Prairie, TX 75052, USA
General Services
Mortgage Brokering
2

Still Waters Lending

Still Waters Lending is known for helping clients secure competitive mortgage rates with clear, honest guidance throughout the process. Their team assists with home purchases and refinancing, often praised for smooth communication and responsiveness. Some customers note occasional wait times, but overall the experience is described as straightforward and supportive.

Services & Prices
Investment Property Financing Quoted per loan
Loan Approval Assistance Quoted per loan
Customized Loan Solutions Quoted per loan
View Profile
(214) 518-6513
Closed Now
5115 Lake Ridge Pkwy ste 160, Grand Prairie, TX 75052, USA
General Services
Home Purchase Services
3

Dynamic Mortgage Llc TX State

Dynamic Mortgage LLC is known for helping clients close home sales quickly, often within a week, thanks to their focused and communicative team. They assist with mortgage financing and guide customers through each step, making the process smooth and understandable. Some clients note occasional challenges but appreciate the team’s professionalism and dedication.

Services & Prices
Closing Services Quoted per loan
Loan Restructuring Quoted per loan
Closing Cost Evaluation Quoted per loan
View Profile
(469) 586-5840
Closed Now
2007 Limestone Dr Ste. C, Grand Prairie, TX 75052, USA
General Services
Mortgage Services
4

Mortgage Matters

Serves Grand Prairie, TX

Known for clear guidance and responsive communication, Mortgage Matters helps clients navigate the home buying process with timely support and practical solutions. The team offers loan assistance and personalized advice, with customers appreciating their availability and thoroughness, though some note the process can still feel complex at times.

Services & Prices
Pre-Approval Services Quoted per loan
View Profile
(469) 807-1300
Closed Now
2301 E Lamar Blvd Ste 150, Arlington, TX 76006
General Services
Mortgage Services
5

HomeBound loans, Inc dba HB Lending

Serves Grand Prairie, TX

HB Lending offers a personalized mortgage experience backed by a network of over 100 lenders, including both traditional and private hardship options. They handle a wide range of loans—from fixed-rate and VA loans to jumbo and commercial financing—combining local market knowledge with digital tools for faster closings. Customers appreciate the team’s professionalism and thorough guidance, though… more...

HB Lending offers a personalized mortgage experience backed by a network of over 100 lenders, including both traditional and private hardship options. They handle a wide range of loans—from fixed-rate and VA loans to jumbo and commercial financing—combining local market knowledge with digital tools for faster closings. Customers appreciate the team’s professionalism and thorough guidance, though some note occasional communication delays during refinancing.

Services & Prices
Home Mortgage Quoted per loan
Refinance Quoted per loan
Pre-Approval Quoted per loan
View Profile
(682) 365-4355
Closed Now
2500 NE Green Oaks Blvd Ste 202A, Arlington, TX 76006
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Mortgage Disrupters

Serves Grand Prairie, TX

Mortgage Disrupters specializes in home loans with a focus on transparency and client education. Their team offers a variety of mortgage options, including conventional, FHA, VA, and renovation loans, supported by helpful digital tools. Customers appreciate the smooth process and responsive service, though experiences may vary depending on the agent assigned.

View Profile
(817) 822-9688
Open 8:00 AM - 8:00 PM
2909 E Arkansas Ln Ste C, Arlington, TX 76010
7

Tonius Frank (The Mortgage Disrupters)

Serves Grand Prairie, TX

Known for making the home buying and refinancing process straightforward and stress-free, Tonius Frank (The Mortgage Disrupters) offers clear guidance and competitive rates. The team provides personalized mortgage solutions and is appreciated for their professionalism and availability, though some clients note the process can still feel involved.

View Profile
(214) 874-3012
Closed Now
2909 E Arkansas Ln, Arlington, TX 76010
8

The McGaughey Team at Edge Home Finance - Sean McGaughey

Serves Grand Prairie, TX

The McGaughey Team specializes in VA loans, recognized as the #1 VA Broker in the United States, with over 23 years of mortgage lending experience. They offer home purchase, refinance, and cash-out refinance loans, working quickly to close deals and guide clients through complex financing. Customers appreciate their knowledgeable, caring approach and efficient process.

View Profile
(817) 798-2853
Closed Now
800 E Border St Ste 500, Arlington, TX 76010
9

Aliton Finance Texas

Serves Grand Prairie, TX

Aliton Finance Texas offers straightforward mortgage brokerage services focused on making the loan process hassle-free. The team assists with various financing needs and is noted for being helpful and easy to work with. Some customers appreciate the smooth experience and express interest in future business.

View Profile
(972) 998-8522
Open 8:00 AM - 5:00 PM
2500 NE Green Oaks Blvd, Arlington, TX 76006
10

Kem Miller powered by Mortgage Disrupters

Serves Grand Prairie, TX

About Mortgage DisruptersMortgage Disrupters is a Texas-based company specializing in home loans, dedicated to providing an exceptional purchase and refinance experience. They aim to simplify the mortgage process for clients, ensuring clarity and ease from start to finish. The company focuses on leveraging technology and expertise to offer competitive rates and personalized service, making the… more...

About Mortgage DisruptersMortgage Disrupters is a Texas-based company specializing in home loans, dedicated to providing an exceptional purchase and refinance experience. They aim to simplify the mortgage process for clients, ensuring clarity and ease from start to finish. The company focuses on leveraging technology and expertise to offer competitive rates and personalized service, making the dream of homeownership accessible to more people. Their mission is to disrupt the traditional mortgage industry by offering innovative solutions and a client-centric approach.Industry ExpertiseMortgage Disrupters demonstrates significant industry expertise through its comprehensive loan options, including Conventional, FHA, VA, and Renovation mortgages. They provide tools like mortgage calculators and home value estimators to empower clients with information. The company's commitment to transparency is evident in their detailed rate breakdowns and educational resources, helping clients understand complex financial products. Their team comprises experienced professionals dedicated to guiding clients through every step of the mortgage process.Mortgage Disrupters OffersThe company offers a wide array of mortgage products tailored to diverse client needs. This includes Conventional Mortgages, FHA Home Loans, VA Home Loans, Jumbo Mortgages, Mortgage Refinancing, and specialized loans like the Renovation Mortgage 203(k). They also provide tools for estimating mortgage payments and determining home worth. Their services are designed to cater to first-time homebuyers, seasoned homeowners, and veterans, ensuring a suitable loan option is available for various financial situations and property types across Texas.Unique AdvantagesMortgage Disrupters distinguishes itself through its focus on innovation and client empowerment. They offer a streamlined online application process and provide accessible tools for financial planning. The company's dedication to transparency in rates and processes, combined with personalized guidance from their expert team, sets them apart. Their commitment to making homeownership achievable for a broader range of clients underscores their disruptive approach to the mortgage industry.

View Profile
(682) 450-9221
Closed Now
2909 E Arkansas Ln Ste C, Arlington, TX 76010

Grand Prairie Mortgage Statistics

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

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 Grand Prairie, the median home is worth $295,500 and 59% of owners have a mortgage, paying a median $2,137 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
18,906▼ 4%19,778 in 2024
Denial rate
15%TX 19%
Median home value
$295,500TX $283,800
Monthly cost with a mortgage
$2,137median · TX $2,106
Refinance loans made (Dallas County, 2025)
8,941 · 6,861 in 2024
Home-improvement loans made (2025)
1,456
Average home-purchase loan
$494,000 (TX $364,000)
Owners with a mortgage
59% · 32% of them spend 30%+ of income on housing
Median household income
$81,619 (TX $78,476)

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.

Grand Prairie Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Eroica Financial Services 5.0 7 — (972) 264-8465 Visit
2 Still Waters Lending 4.9 194 Quoted per loan (214) 518-6513 Visit
3 Dynamic Mortgage Llc TX State 5.0 40 Quoted per loan (469) 586-5840 Visit
4 Mortgage Matters 4.9 442 Quoted per loan (469) 807-1300 —
5 HomeBound loans, Inc dba HB Lending 4.8 120 Quoted per loan (682) 365-4355 Visit
6 Mortgage Disrupters 5.0 63 — (817) 822-9688 Visit
7 Tonius Frank (The Mortgage Disrupters) 5.0 37 — (214) 874-3012 Visit
8 The McGaughey Team at Edge Home Finance - Sean McGaughey 5.0 23 — (817) 798-2853 Visit
9 Aliton Finance Texas 5.0 15 — (972) 998-8522 Visit
10 Kem Miller powered by Mortgage Disrupters 5.0 1 — (682) 450-9221 Visit

How this Grand Prairie 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 mortgage affordability calculator work?
It calculates the highest home price you can qualify for based on income, debts, down payment, and interest rate, including PMI and property tax.
What is the debt-to-income ratio for mortgages in Texas?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%.
How much house can I afford on a 100k salary in Grand Prairie?
Your affordability depends on your debts, down payment, and interest rate. Use the calculator to estimate based on these factors.
What is the minimum down payment for a mortgage in Texas?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Grand Prairie?
With less than 20% down on a conventional loan, PMI is added, about 0.6% of the loan annually, removable once the balance is under 80%.
How do interest rates affect mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
How does debt impact my mortgage qualification?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of your income.
What are property taxes like in Texas?
Property tax is about 1.25% of the home's value annually in Texas, based on 2024 averages for owner-occupied homes.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, providing a real estimate, while pre-qualification is a preliminary estimate.
What does a mortgage broker do?
A mortgage broker helps find and negotiate loans, connecting borrowers with lenders based on needs and qualifications.

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