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Review Keywords Analysis

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

Mortgage Affordability Calculator Laredo, TX

How much house can you afford in Laredo? 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 Laredo

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

1

Nicolas Gomez, SupremeLending Loan Officer, NMLS:1749468

Supreme Lending offers a wide range of mortgage options, including VA, USDA, FHA, jumbo, and renovation loans, with a focus on clear communication and timely closings. Customers appreciate the team’s patience and availability throughout the homebuying process, often noting how the guidance helps make financing straightforward and less stressful.

Services & Prices
Closing Cost Estimation Quoted per loan
View Profile
(956) 333-8974
Open 00:00 - 23:59
1018 Monaco Blvd Unit 105 & 106, Laredo, TX 78045
General Services
Home Financing
2

Roger Cazares, Supreme Lending Loan Officer, NMLS: 910634

Supreme Lending holds a strong reputation for clear communication and a 99% on-time closing rate, helping borrowers navigate a wide range of mortgage options from conventional to specialized loans. The team provides steady support throughout the homebuying or refinancing process, with clients appreciating their professionalism and responsiveness.

Services & Prices
Refinancing Quoted per loan
View Profile
(956) 324-2574
Open 00:00 - 23:59
1018 Monaco Blvd Ste 105 & 106, Laredo, TX 78045
General Services
Mortgage Services
3

Dream Big Mortgage

With many years of experience and transparent NMLS licensing, Dream Big Mortgage offers a range of loan programs and online tools like calculators and secure applications to simplify home financing. Customers appreciate the team’s patience, responsiveness, and personalized support throughout the process, though some note communication extends beyond typical hours.

View Profile
(956) 857-3258
Open 9:00 AM - 6:00 PM
6402 N Bartlett Ave #4, Laredo, TX 78041
4

MBA Mortgage Solutions, LLC

Known for its human-centered approach and fast, clear communication, MBA Mortgage Solutions helps clients navigate home financing with personalized guidance. They assist with purchasing, refinancing, and specialized loan options like VA benefits and low down payments. Customers appreciate the team’s responsiveness and thorough support throughout the loan process.

View Profile
(956) 717-3400
Open 8:30 AM - 5:30 PM
7110 Rocio Dr Ste 1, Laredo, TX 78041
5

Baruc Mohamed - Supreme Lending, Loan Officer NMLS: 1919650

Licensed under NMLS 1919650, this loan officer with Supreme Lending offers a wide range of mortgage options, including conventional, FHA, VA, and specialized loans like renovation and investor programs. Clients appreciate the clear communication and consistent support throughout the home financing process, though some note the need for patience during closing.

Services & Prices
Fixed-rate Mortgages Quoted per loan
Adjustable-rate Mortgages Quoted per loan
FHA Loans Quoted per loan
View Profile
(956) 415-2615
Open 00:00 - 23:59
1018 Monaco Blvd, Laredo, TX 78045
General Services
Mortgage Solutions
Where they are 10 on the map Click a pin for the profile and directions
6

NuHome Mortgage

A veteran and family-owned business, NuHome Mortgage focuses on securing competitive interest rates for first-time buyers, seasoned homeowners, and investors. They offer residential and commercial lending with clear communication and personalized guidance. Customers appreciate their professionalism and responsiveness throughout the mortgage process.

View Profile
(956) 679-1099
Open 9:00 AM - 6:00 PM
10414 Medical Lp Building E Ste 2, Laredo, TX 78045
7

Faro Home Loans

Faro Home Loans focuses on helping both homebuyers and real estate investors navigate the mortgage process with clear guidance and personal care. The team offers support through every step of buying or refinancing a home, often going beyond typical lender services. Customers appreciate their friendly approach and willingness to find solutions even in challenging situations.

View Profile
(956) 462-1188
Open 8:30 AM - 5:00 PM
7613 Rocio Dr Ste 1, Laredo, TX 78041
8

Elias Christian Trad - Prolending Mortgage LLC

With over 25 years of experience in real estate and finance, Prolending Mortgage LLC specializes in tailored mortgage solutions for clients in Laredo and South Texas. The team assists with pre-qualification and a variety of loan products, guiding customers through the mortgage process with clear communication and personal attention. Reviews highlight their professionalism and responsiveness… more...

With over 25 years of experience in real estate and finance, Prolending Mortgage LLC specializes in tailored mortgage solutions for clients in Laredo and South Texas. The team assists with pre-qualification and a variety of loan products, guiding customers through the mortgage process with clear communication and personal attention. Reviews highlight their professionalism and responsiveness throughout each transaction.

Services & Prices
Home Mortgage Quoted per loan
Commercial Mortgage Quoted per loan
Refinancing Quoted per loan
View Profile
(956) 242-8608
Open 9:00 AM - 8:00 PM
107 C. del Norte Ste 1C, Laredo, TX 78041
General Services
Mortgage Services
9

NEXA Lending Texas - Arturo Gomez Jr

NEXA Lending Texas - Arturo Gomez Jr specializes in guiding first-time homebuyers through the mortgage process with clear explanations and personalized support. The team offers mortgage brokerage services and is noted for being patient and responsive, helping clients feel confident despite occasional early challenges in the process.

Services & Prices
Application Review Quoted per loan
Credit Score Assessment Quoted per loan
View Profile
(210) 942-4825
Open 00:00 - 23:59
7604 Wayo Dr, Laredo, TX 78041
General Services
Loan Pre-Approval
10

David Rodriguez, Supreme Lending Laredo Loan Officer NMLS 418802

Licensed under NMLS 418802, this loan officer with Supreme Lending offers a wide range of mortgage options, including conventional, FHA, VA, and specialized loans like Non-QM and construction financing. Customers appreciate the clear communication and responsiveness throughout the lending process, noting the team’s professionalism and helpful guidance.

View Profile
(956) 206-3407
Closed Now
1018 Monaco Blvd Unit 106 & 105, Laredo, TX 78045

Laredo Mortgage Statistics

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

Lenders made 2,237 home-purchase loans in Webb County in 2025 (average about $251,000) and denied 601 — 21% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Laredo, the median home is worth $193,500 and 54% of owners have a mortgage, paying a median $1,716 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
2,237▲ 9%2,046 in 2024
Denial rate
21%TX 19%
Median home value
$193,500TX $283,800
Monthly cost with a mortgage
$1,716median · TX $2,106
Refinance loans made (Webb County, 2025)
443 · 341 in 2024
Home-improvement loans made (2025)
89
Average home-purchase loan
$251,000 (TX $364,000)
Owners with a mortgage
54% · 35% of them spend 30%+ of income on housing
Median household income
$63,915 (TX $78,476)

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

How this Laredo 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 afford based on income, debts, down payment, and interest rate. It includes PMI and property tax.
What is the debt-to-income ratio for mortgages in Texas?
Lenders often cap housing costs at 31% of gross monthly income and total debt payments at 43%.
What is the minimum down payment for a home in Laredo?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down.
How do interest rates affect mortgage affordability?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
How does debt impact how much mortgage I can qualify for?
Higher monthly debts reduce the amount you can borrow, as lenders consider total debt payments.
What is the property tax rate in Texas?
Property tax is about 1.25% of the home's value annually in Texas.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit. Pre-qualification is a preliminary estimate without verification.
Do I need private mortgage insurance in Laredo?
If your down payment is under 20% on a conventional loan, PMI is typically required.
How much house can I afford on a $100k salary in Texas?
The calculator uses your salary, debts, and down payment to estimate affordability. A pre-approval gives a precise number.

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