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Review Keywords Analysis

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

Mortgage Affordability Calculator Houston, TX

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

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 Houston

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

1

Republic State Mortgage Co

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.

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Open 8:00 AM - 5:00 PM
815 Hawthorne St, Houston, TX 77006
2

Champions Mortgage

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.

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(281) 727-2500
Closed Now
2940 Riverby Rd Ste 205, Houston, TX 77020
3

Cross Country Mortgage - Erik Maya

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.

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(832) 724-0757
Closed Now
2550 N Loop W Suite 650, Houston, TX 77092
4

Blink Lending & Investments

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.

Services & Prices
Closing Assistance Quoted per loan
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(713) 462-5465
Open 7:00 AM - 9:00 PM
615 Heights Blvd Ste 100, Houston, TX 77007
General Services
Loan Services
5

The Wood Group of Fairway Independent Mortgage Corp.

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.

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(281) 864-1710
Closed Now
10330 Lake Rd Bldg Y, Houston, TX 77070
Where they are 10 on the map Click a pin for the profile and directions
6

James Ward | Fairway Home Mortgage #168854

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.

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(713) 528-0333
Open 8:00 AM - 6:00 PM
3311 Richmond Ave #329, Houston, TX 77098
7

Paige Bowman

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.

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(281) 466-4300
Open 8:00 AM - 6:00 PM
1500 Waugh Dr Suite 317, Houston, TX 77019
8

Matador Lending

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Mortgage Quoted per loan
VA Loan Quoted per loan
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(713) 366-4668
Closed Now
5718 Westheimer Rd Suite 1000, Houston, TX 77057
General Services
Mortgage Services
9

Rock Mortgage Houston | Rock Mortgage Services LP

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Pre-Approval Services Quoted per loan
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(832) 230-3067
Open 8:00 AM - 5:00 PM
14340 Memorial Dr #400, Houston, TX 77079
General Services
Mortgage Lending
10

NuHome Group LLC

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.

Services & Prices
Home Purchase Financing Quoted per loan
Refinancing Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(713) 373-0345
Closed Now
1445 N Loop W Ste 105, Houston, TX 77008, USA
General Services
Mortgage Services

Houston Mortgage Statistics

Home-purchase lending in Harris County and home costs in Houston, TX (latest HMDA and Census data)

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).

Home-purchase loans, 2025
43,3100%43,503 in 2024
Denial rate
18%TX 19%
Median home value
$277,800TX $283,800
Monthly cost with a mortgage
$2,240median · TX $2,106
Refinance loans made (Harris County, 2025)
13,453 · 9,954 in 2024
Home-improvement loans made (2025)
2,432
Average home-purchase loan
$389,000 (TX $364,000)
Owners with a mortgage
52% · 31% of them spend 30%+ of income on housing
Median household income
$64,813 (TX $78,476)

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.

Houston Mortgage Brokers near you stats: 10 businesses compared side by side · updated
# 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

How this Houston 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 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.
How accurate is the mortgage affordability estimate?
It's a general estimate. Pre-approval confirms the real number after verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Texas?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income.
What's the minimum down payment for a first-time buyer in Houston?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect how much I can afford?
Higher rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
How do existing debts impact my mortgage qualification?
Higher monthly debts reduce the amount you can borrow by affecting your debt-to-income ratio.
What are property taxes like in Texas?
Property tax is about 1.25% of the home's value annually for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying your financial information and confirms your borrowing power, while pre-qualification is an initial estimate.
What does a mortgage broker do?
A mortgage broker helps you find and apply for a mortgage by comparing loan options from multiple lenders.

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