How much house can you afford in Houston? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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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 |
|---|
Republic State Mortgage Co
5.0 · 694 reviews · Free pre-approval
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Champions Mortgage
4.9 · 641 reviews · Free pre-approval
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Cross Country Mortgage - Erik Maya
4.9 · 638 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 →
With over two decades of experience, Republic State Mortgage focuses on guiding first-time homebuyers and seasoned clients through transparent, straightforward mortgage financing. They offer conventional and government-backed loans, along with quick pre-approvals and mostly online paperwork. Customers appreciate their clear communication and smooth, efficient process.
Champions Mortgage offers a fast 15-day loan approval process, helping Houston homebuyers move quickly on purchases or refinancing. Their team provides a range of loan options, including FHA, VA, Non-QM, and halal financing, with competitive rates and down payment assistance. Customers appreciate their clear communication and smooth, supportive service throughout the mortgage process.
Cross Country Mortgage - Erik Maya offers mortgage loans that include a free future refinance, a feature many clients appreciate. The team guides borrowers through each step of the home-buying process with patience and clear communication. Customers find them responsive and supportive, even when challenges arise.
Blink Lending & Investments is known for its attentive and patient approach, taking time to clearly explain every step of the mortgage process. The team offers loan application guidance and support, often going beyond typical services by helping with related needs like home insurance. Customers appreciate their responsiveness and the smooth, stress-free experience.
The Wood Group of Fairway Independent Mortgage Corp. combines the resources of a national lender with a personalized, borrower-first approach focused on clear communication and timely closings. They offer a variety of home loan options including conventional, FHA, VA, and renovation loans, serving first-time buyers, veterans, and those refinancing. Customers appreciate the team’s responsiveness… more...
The Wood Group of Fairway Independent Mortgage Corp. combines the resources of a national lender with a personalized, borrower-first approach focused on clear communication and timely closings. They offer a variety of home loan options including conventional, FHA, VA, and renovation loans, serving first-time buyers, veterans, and those refinancing. Customers appreciate the team’s responsiveness and helpful guidance throughout the process.
With over 25 years of experience and a place among the top 1% of mortgage originators nationwide, this team offers a wide range of loan options including jumbo, VA, FHA, and reverse mortgages. They work closely with clients and professionals to simplify the mortgage process, earning praise for clear communication and timely updates.
Known for being highly responsive and approachable, Paige Bowman’s team guides clients through the home buying process with clear communication and trustworthiness. They assist with a range of mortgage needs, and customers appreciate their helpfulness and timely replies, though some note the experience can be very involved.
Matador Lending offers access to over 80 lenders, providing a wide range of loan options including conventional, FHA, VA, jumbo, and Non-QM loans. The team works with both homebuyers and real estate investors, guiding clients through financing with clear communication and personalized support. Customers often note the smooth, efficient process and helpful explanations throughout.
Rock Mortgage Houston is known for its responsive team that works quickly to secure favorable loan terms, often stepping in when clients face tight deadlines. They offer mortgage loan origination with clear communication and personalized support, helping make the homebuying process smoother. Some clients note occasional challenges related to external factors like visa status.
NuHome Group LLC focuses on guiding clients through the mortgage loan process with patience and clear communication. Their team helps first-time homebuyers and refinancers understand each step while working to secure favorable terms. Customers appreciate their responsiveness and the supportive, educational approach throughout the journey.
Lenders made 43,310 home-purchase loans in Harris County in 2025 (average about $389,000) and denied 9,616 — 18% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Houston, the median home is worth $277,800 and 52% of owners have a mortgage, paying a median $2,240 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Harris 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 | Republic State Mortgage Co | 5.0 | 694 | — | — | Visit |
| 2 | Champions Mortgage | 4.9 | 641 | — | (281) 727-2500 | Visit |
| 3 | Cross Country Mortgage - Erik Maya | 4.9 | 638 | — | (832) 724-0757 | Visit |
| 4 | Blink Lending & Investments | 5.0 | 405 | Quoted per loan | (713) 462-5465 | Visit |
| 5 | The Wood Group of Fairway Independent Mortgage Corp. | 5.0 | 258 | — | (281) 864-1710 | Visit |
| 6 | James Ward | Fairway Home Mortgage #168854 | 4.9 | 255 | — | (713) 528-0333 | Visit |
| 7 | Paige Bowman | 5.0 | 237 | — | (281) 466-4300 | Visit |
| 8 | Matador Lending | 4.9 | 237 | Quoted per loan | (713) 366-4668 | Visit |
| 9 | Rock Mortgage Houston | Rock Mortgage Services LP | 4.9 | 214 | Quoted per loan | (832) 230-3067 | Visit |
| 10 | NuHome Group LLC | 4.7 | 89 | Quoted per loan | (713) 373-0345 | 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.