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Review Keywords Analysis

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

Mortgage Affordability Calculator Irving, TX

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.

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 Irving

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

1

KBHS Home Loans

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.

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(855) 378-6625
Closed Now
300 E Royal Ln #250, Irving, TX 75039
2

Lennar Mortgage, LLC Dallas

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.

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(469) 587-5600
Closed Now
1231 Greenway Dr Ste 600A, Irving, TX 75038
3

Caleb Wheeler at Prosperity Home Mortgage - Irving

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
FHA Loans Quoted per loan
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Closed Now
7520 N MacArthur Blvd #100, Irving, TX 75063
General Services
Mortgage Brokerage
4

PRIME MORTGAGE SOLUTIONS

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.

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(972) 310-4909
Closed Now
5000 Riverside Dr Bldg 6 suite 100e, Irving, TX 75039
5

Prime Home Mortgage LLC

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
Closed Now
2712 Baron Ln, Irving, TX 75063
General Services
Mortgage Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Fairway Independent Mortgage Corporation

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.

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(972) 825-6638
Closed Now
1333 Corporate Dr, Irving, TX 75038
7

Preapprovals

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.

Services & Prices
Pre-Approval Quoted per loan
Mortgage Rate Comparison Quoted per loan
View Profile
(214) 888-6666
Closed Now
600 E John W Carpenter Fwy Ste 262, Irving, TX 75062
General Services
Mortgage Services
8

Assurant Home Loans

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.

Services & Prices
Conventional Home Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(940) 206-9406
Closed Now
1212 Corporate Dr, Irving, TX 75038
General Services
Home Loan
9

Inclusive Lending LLC

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.

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(682) 351-2875
Closed Now
511 E John W Carpenter Fwy #500, Irving, TX 75062
10

Sunrise Mortgage Services LLC

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.

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Closed Now
511 E John W Carpenter Fwy, Irving, TX 75062

Irving Mortgage Statistics

Home-purchase lending in Dallas County and home costs in Irving, 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 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).

Home-purchase loans, 2025
18,906▼ 4%19,778 in 2024
Denial rate
15%TX 19%
Median home value
$315,600TX $283,800
Monthly cost with a mortgage
$2,243median · 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
58% · 33% of them spend 30%+ of income on housing
Median household income
$81,830 (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.

Irving Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Irving 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 estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes PMI and property tax.
How accurate is the mortgage affordability estimate in Texas?
The estimate is a guideline; pre-approval confirms it. Lenders verify income, debts, credit, and down payment for accuracy.
What is the debt-to-income ratio for mortgages in Texas?
Lenders typically cap housing costs at 31% of gross income and total debts at 43%. Some loans allow higher ratios with strong credit.
What is the minimum down payment for first-time buyers in Irving?
Conventional loans require 3% down, FHA loans 3.5%. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Texas?
Under 20% down, conventional loans add PMI, about 0.6% of the loan annually. It can usually be removed when the balance is below 80% of the home's value.
How do interest rates affect mortgage affordability in Irving?
Higher rates reduce the loan amount you qualify for. The calculator starts at 7.40%, with rates changing weekly.
How do existing debts impact my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of gross income.
What is the property tax rate in Texas?
Property tax is about 1.25% of the home's value annually, based on the 2024 average for owner-occupied homes.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate estimate. Pre-qualification is a preliminary assessment.
What does a mortgage broker do in Irving?
A mortgage broker helps find loan options by connecting borrowers with lenders, streamlining the mortgage process.

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