How much house can you afford in Irving? 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 |
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KBHS Home Loans
4.9 · 3065 reviews · Free pre-approval
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Lennar Mortgage, LLC Dallas
4.5 · 518 reviews · Free pre-approval
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Caleb Wheeler at Prosperity Home Mortgage - Irving
5.0 · 59 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 →
KBHS Home Loans focuses on financing new KB homes and offers a range of mortgage options including conventional, FHA, VA, Jumbo, and USDA loans. Their team aims to provide clear guidance through a mostly online application process, which many find helpful, especially first-time buyers and veterans. Some clients note communication and paperwork delays during the loan process.
With over 50 years of experience, Lennar Mortgage specializes in financing new construction homes, offering tailored guidance throughout the mortgage process. Their team supports homebuyers from application to closing, helping them understand loan options and navigate paperwork. Some clients note communication challenges, but many appreciate the patient and informative assistance provided.
Prosperity Home Mortgage specializes in guiding clients smoothly through the home financing process with attentive communication and expert advice. Their team assists with mortgage brokerage services, staying responsive and patient with questions. Some clients note the importance of timely document submission to keep things moving efficiently.
Specializing in lending solutions for first-time buyers, self-employed individuals, foreign nationals, and investors, Prime Mortgage Solutions takes a personalized approach beyond automated underwriting. The team offers FHA, conventional, and investor loans while emphasizing clear communication and client education. Customers appreciate the supportive guidance throughout the sometimes challenging… more...
Specializing in lending solutions for first-time buyers, self-employed individuals, foreign nationals, and investors, Prime Mortgage Solutions takes a personalized approach beyond automated underwriting. The team offers FHA, conventional, and investor loans while emphasizing clear communication and client education. Customers appreciate the supportive guidance throughout the sometimes challenging mortgage process.
With 12 years of experience and multilingual support in English, Hindi, Gujarati, and Marathi, Prime Home Mortgage LLC offers a wide range of home loan services, including refinancing, first-time homebuyer loans, and jumbo mortgages. Customers appreciate the team’s clear communication and personalized guidance, though some mention mixed experiences with loan product explanations.
Fairway Independent Mortgage Corporation offers a broad range of loan options, including construction, FHA, VA, and jumbo mortgages, tailored to various home financing needs. The team guides customers through the loan process with clear communication and personal attention, though some clients advise carefully confirming rate locks early on.
Preapprovals.com specializes in fast, online mortgage pre-approval with a soft credit check that won’t affect your credit score. They offer a range of loan options, including FHA, VA, and conventional mortgages, along with helpful tools for affordability and refinancing. Customers appreciate the team’s responsiveness and clear communication throughout the process.
Assurant Home Loans is recognized for its responsive and knowledgeable team that guides clients through the home loan process with clear communication and attention to detail. They offer competitive rates and a user-friendly online portal for document submission and mortgage management. Customers appreciate their availability, including weekends, and the personalized support that helps make… more...
Assurant Home Loans is recognized for its responsive and knowledgeable team that guides clients through the home loan process with clear communication and attention to detail. They offer competitive rates and a user-friendly online portal for document submission and mortgage management. Customers appreciate their availability, including weekends, and the personalized support that helps make financing a home less stressful.
Inclusive Lending focuses on making homeownership accessible to everyone through a straightforward, caring mortgage process. The team offers home buying and refinancing services, providing clear communication and personalized support that many clients find reassuring and efficient. Some may find the process detailed, but the attentive staff helps keep things on track.
About Sunrise MortgageSunrise Mortgage Services, LLC is a dedicated mortgage company committed to helping individuals and families achieve homeownership. With a focus on personalized service and a wide array of loan programs, they guide clients through the complexities of the mortgage process. Their mission is to provide tailored solutions that meet the unique financial needs and goals of each… more...
About Sunrise MortgageSunrise Mortgage Services, LLC is a dedicated mortgage company committed to helping individuals and families achieve homeownership. With a focus on personalized service and a wide array of loan programs, they guide clients through the complexities of the mortgage process. Their mission is to provide tailored solutions that meet the unique financial needs and goals of each customer, ensuring a smooth and successful home buying or refinancing experience. They pride themselves on their expertise, integrity, and commitment to client satisfaction, making them a trusted partner in the real estate journey.Why Choose UsSunrise Mortgage Services, LLC stands out due to its extensive experience and customer-centric approach. They offer a comprehensive suite of loan programs, including Conventional, FHA, VA, USDA, Non-QM, Commercial, and Reverse Mortgages, ensuring a solution for nearly every borrower. Their team is dedicated to providing clear communication and expert guidance throughout the loan process. They emphasize building lasting relationships with clients, founded on trust and transparency, aiming to make the mortgage experience as stress-free and efficient as possible.Sunrise Mortgage OffersSunrise Mortgage Services, LLC provides a diverse range of mortgage solutions designed to fit various needs. These include Fixed Rate Mortgages, Adjustable Rate Mortgages, Refinance Mortgages, and specialized programs for first-time homebuyers, commercial properties, foreign nationals, and those seeking reverse mortgages. They assist with purchase and refinance applications, offering pre-qualification services to strengthen offers. Their expertise extends to guiding clients through loan applications, understanding different loan types, and navigating the financial aspects of real estate transactions, all aimed at securing the best possible terms for their clients.Unique AdvantagesSunrise Mortgage Services, LLC offers personalized guidance from experienced professionals like Khannah Josue. They provide a wide variety of loan programs tailored to individual needs. The company emphasizes a stress-free and efficient mortgage process for clients.
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 Irving, the median home is worth $315,600 and 58% of owners have a mortgage, paying a median $2,243 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 | KBHS Home Loans | 4.9 | 3065 | — | (855) 378-6625 | Visit |
| 2 | Lennar Mortgage, LLC Dallas | 4.5 | 518 | — | (469) 587-5600 | Visit |
| 3 | Caleb Wheeler at Prosperity Home Mortgage - Irving | 5.0 | 59 | Quoted per loan | — | Visit |
| 4 | PRIME MORTGAGE SOLUTIONS | 4.8 | 47 | — | (972) 310-4909 | Visit |
| 5 | Prime Home Mortgage LLC | 4.9 | 43 | Quoted per loan | — | Visit |
| 6 | Fairway Independent Mortgage Corporation | 4.8 | 27 | — | (972) 825-6638 | Visit |
| 7 | Preapprovals | 5.0 | 20 | Quoted per loan | (214) 888-6666 | Visit |
| 8 | Assurant Home Loans | 5.0 | 14 | Quoted per loan | (940) 206-9406 | Visit |
| 9 | Inclusive Lending LLC | 5.0 | 2 | — | (682) 351-2875 | Visit |
| 10 | Sunrise Mortgage Services LLC | 5.0 | 1 | — | — | 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.