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

How much house can you afford in Killeen? 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 Killeen

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

1

The Wood Group of Fairway Independent Mortgage Corp.

Specializing in VA loans, The Wood Group of Fairway Independent Mortgage Corp. is known for closing these loans faster than national averages. They offer a wide range of home financing options, including conventional, FHA, USDA, renovation, and refinance loans. Customers appreciate their clear communication and personal attention, especially during complex or time-sensitive situations.

Services & Prices
VA Loan Closing Coordination Quoted per loan
Home Loan Closing Services Quoted per loan
View Profile
(254) 634-8886
Open 8:30 AM - 5:00 PM
2403 Bacon Ranch Rd Ste 100, Killeen, TX 76542
General Services
VA Loan Services
2

Sente Mortgage

Sente Mortgage specializes in VA loans, serving military families and veterans with a deep understanding of their unique needs. Their team offers a variety of loan options, including conventional, FHA, USDA, and jumbo loans, while focusing on educating clients to help them make informed decisions. Customers appreciate their professionalism, responsiveness, and smooth closing process.

View Profile
(254) 781-4232
Open 9:00 AM - 5:00 PM
2102 S W S Young Dr E, Killeen, TX 76543
3

First Community Mortgage

First Community Mortgage specializes in a variety of home loan options, including VA, FHA, USDA, and programs for veterans. Their team guides clients through each step, offering tools to help understand mortgage rates and budgeting. Customers appreciate the smooth process and supportive service throughout the home-buying journey.

View Profile
(254) 953-7000
Open 8:00 AM - 5:00 PM
3106 S W S Young Dr Bldg d ste 402, Killeen, TX 76542
4

MORTGAGE FANATICS (L And Z Financial Services) - NMLS#2309952

Mortgage Fanatics (L And Z Financial Services) - NMLS#2309952 is known for its fast pre-approvals and closings, helping clients move quickly in competitive markets. The licensed team offers personalized support throughout the mortgage process, including Conventional, FHA, VA, and other loan types. Clients appreciate the clear communication and attentive service, though experiences may vary… more...

Mortgage Fanatics (L And Z Financial Services) - NMLS#2309952 is known for its fast pre-approvals and closings, helping clients move quickly in competitive markets. The licensed team offers personalized support throughout the mortgage process, including Conventional, FHA, VA, and other loan types. Clients appreciate the clear communication and attentive service, though experiences may vary depending on individual loan officers.

Services & Prices
Mortgage Brokerage Quoted per loan
View Profile
(754) 273-0357
Open 7:00 AM - 11:00 PM
2004 Mockingbird Ln, Killeen, TX 76541
General Services
Mortgage Services
5

Yvette Hernandez at Veterans Lending Group

Veterans Lending Group specializes in helping first-time homebuyers navigate the loan process with clear communication and attentive support. The team handles everything from initial searches to final paperwork, keeping clients informed along the way. Some customers note occasional communication hiccups near closing, but overall the process is described as smooth and efficient.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(254) 251-7065
Open 8:30 AM - 5:00 PM
2710 Clear Creek Rd Suites 104,105,106, Killeen, TX 76549
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Nancy Pacheco - Valor Home Lending

Valor Home Lending specializes in VA loans and offers a range of mortgage options for first-time buyers and seasoned investors alike. The team guides clients through the lending process with clear communication and attention to detail, helping make home financing less stressful and more straightforward.

Services & Prices
VA Loan Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
Investment Property Loan Quoted per loan
View Profile
(512) 955-8801
Open 9:00 AM - 5:00 PM
222 E Avenue C, Killeen, TX 76541
General Services
Home Lending
7

LeaderOne Home Loans - Staci Curb

LeaderOne Home Loans - Staci Curb is known for clear communication and attentive guidance throughout the mortgage process. The team offers home loan services with a focus on keeping clients informed and making the experience smooth and timely. Customers appreciate the responsiveness and support, noting the process often feels less stressful.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Loan Closing Quoted per loan
Compliance Review $150 - $300
Closing Coordination $200 - $400
View Profile
(254) 383-3813
Open 9:00 AM - 5:00 AM
3901 E Stan Schlueter Loop Ste 100, Killeen, TX 76542
General Services
Home Loan Services
8

Michael Moh

Specializing in DSCR investor loans, Michael Moh helps both first-time homebuyers and seasoned investors navigate home financing with clear guidance and education. The team offers a variety of loan options, including down payment assistance and military relocation programs, and is noted for patient communication and steady support throughout the process.

View Profile
(832) 224-6838
Open 8:00 AM - 5:00 PM
708 E Elms Rd Office 3, Killeen, TX 76542
9

Scottie Campbell | Waymaker Mortgage Company

Known for clear communication and a flexible approach, Scottie Campbell | Waymaker Mortgage Company helps clients navigate home buying and refinancing with ease. Their team offers a range of mortgage options and is praised for being personable and responsive throughout the process. Some customers note the experience is straightforward and stress-free.

View Profile
(512) 548-8438
Open 8:00 AM - 8:00 PM
202 W Central Texas Expy Ste 205, Killeen, TX 76541
10

First Community Mortgage

First Community Mortgage offers a wide range of home loan options, including specialized programs for veterans and state-specific assistance. Their team provides educational resources like mortgage calculators and articles to help buyers understand their choices. Customers appreciate the attentive communication and personalized support throughout the loan process.

Services & Prices
VA Home Loan Quoted per loan
Conventional Home Loan Quoted per loan
FHA Home Loan Quoted per loan
View Profile
(254) 680-6158
Closed Now
901 E Central Texas Expy, Killeen, TX 76541
General Services
Mortgage Services

Killeen Mortgage Statistics

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

Lenders made 6,408 home-purchase loans in Bell County in 2025 (average about $303,000) and denied 967 — 13% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Killeen, the median home is worth $215,400 and 66% of owners have a mortgage, paying a median $1,559 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
6,408▲ 8%5,951 in 2024
Denial rate
13%TX 19%
Median home value
$215,400TX $283,800
Monthly cost with a mortgage
$1,559median · TX $2,106
Refinance loans made (Bell County, 2025)
2,268 · 1,909 in 2024
Home-improvement loans made (2025)
223
Average home-purchase loan
$303,000 (TX $364,000)
Owners with a mortgage
66% · 34% of them spend 30%+ of income on housing
Median household income
$60,977 (TX $78,476)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Bell County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Killeen Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 The Wood Group of Fairway Independent Mortgage Corp. 5.0 613 Quoted per loan (254) 634-8886 Visit
2 Sente Mortgage 5.0 96 — (254) 781-4232 Visit
3 First Community Mortgage 5.0 96 — (254) 953-7000 Visit
4 MORTGAGE FANATICS (L And Z Financial Services) - NMLS#2309952 5.0 75 Quoted per loan (754) 273-0357 Visit
5 Yvette Hernandez at Veterans Lending Group 4.9 74 Quoted per loan (254) 251-7065 Visit
6 Nancy Pacheco - Valor Home Lending 5.0 62 Quoted per loan (512) 955-8801 Visit
7 LeaderOne Home Loans - Staci Curb 5.0 42 $150 (254) 383-3813 Visit
8 Michael Moh 5.0 31 — (832) 224-6838 Visit
9 Scottie Campbell | Waymaker Mortgage Company 5.0 26 — (512) 548-8438 Visit
10 First Community Mortgage 4.9 15 Quoted per loan (254) 680-6158 Visit

How this Killeen 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 Killeen mortgage affordability calculator work?
It estimates the highest home price you can afford using your income, debts, down payment, and interest rate. It includes PMI and property tax.
How accurate is a mortgage affordability calculator?
It provides a general estimate. A lender's pre-approval gives a precise figure by verifying your income, debts, and credit.
What is the debt-to-income ratio for Texas mortgages?
Most lenders cap housing costs at 31% and total debts at 43% of gross monthly income, though some allow more with strong credit.
What is the minimum down payment for a mortgage in Texas?
First-time buyers may need as little as 3% down on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% down.
How do interest rates affect how much house I can afford?
Higher rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator.
How do my debts affect my mortgage affordability?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at about 43% of your income.
What are property taxes like in Texas?
Property taxes are about 1.25% of the home's value annually in Texas, based on the 2024 average for owner-occupied homes.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves verifying your income, debts, and credit for a precise loan amount. Pre-qualification is a preliminary estimate.
What role does a mortgage broker play?
A mortgage broker helps find loan options and guides you through the application process, but this page lists brokers without recommendations.

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