How much house can you afford in Mcallen? 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 |
|---|
Unity Group at Eustis Mortgage
4.9 · 418 reviews · Free pre-approval
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Willow Bend Mortgage - McAllen Branch (#351853)
4.6 · 222 reviews · Free pre-approval
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Elite Choice Mortgage
5.0 · 105 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 →
About Eustis MortgageEustis Mortgage has been dedicated to providing personalized home financing solutions for over 70 years. Their mission is to make the home buying process as seamless and stress-free as possible for their clients, handling all the intricate details so customers can relax. The company prides itself on its integrity, care, and expertise, ensuring that every client feels… more...
About Eustis MortgageEustis Mortgage has been dedicated to providing personalized home financing solutions for over 70 years. Their mission is to make the home buying process as seamless and stress-free as possible for their clients, handling all the intricate details so customers can relax. The company prides itself on its integrity, care, and expertise, ensuring that every client feels supported and informed throughout their journey. With a strong emphasis on customer satisfaction, Eustis Mortgage aims to build lasting relationships by delivering exceptional service and tailored loan strategies. Their experienced team is committed to guiding individuals and families toward achieving their homeownership dreams with confidence and ease.Why Choose EustisEustis Mortgage stands out due to its long-standing commitment to customer service and its deep understanding of the mortgage industry. They have consistently received high praise from satisfied customers, as evidenced by numerous five-star reviews highlighting the professionalism, responsiveness, and personal investment of their loan officers. The company's dedication to clear communication and providing easy-to-understand guidance ensures a stress-free experience. Clients feel valued and supported, not just like another transaction. This focus on personal connection and reliable support builds significant trust and encourages repeat business and referrals.Eustis Mortgage OffersEustis Mortgage offers a comprehensive suite of home financing services designed to meet the diverse needs of homebuyers. They specialize in guiding clients through various stages of the home buying process, from initial steps and mortgage calculations to securing the right loan. Services include assistance for first-time homebuyers, confirmed buyers, and those seeking reverse mortgages. Their team of trusted loan advisors provides personalized strategies and support. Key benefits include clear explanations of complex terms, regular follow-ups, and readily available assistance to answer questions, ensuring a smooth and informed transaction for every client.Unique AdvantagesEustis Mortgage distinguishes itself through its extensive 70-year history in the mortgage industry, demonstrating a deep well of experience and stability. They emphasize a highly personalized approach, with loan officers who invest personally in each client's success, fostering a supportive and non-transactional relationship. The company is recognized for its exceptional customer service, consistently earning top ratings and positive testimonials that highlight their integrity and care. Furthermore, Eustis Mortgage actively engages in community service, reflecting a commitment that extends beyond business operations.
Willow Bend Mortgage offers a range of loan options, including conventional, FHA, VA, jumbo, and renovation loans, supported by helpful online tools and personalized guidance. Clients appreciate the team’s clear communication and responsiveness, noting how they simplify the mortgage process, though some find the experience depends on individual loan officers.
Elite Choice Mortgage uses a wholesale lending model to offer a wide range of competitive mortgage rates from multiple investors. They assist with home purchases and refinancing, including Conventional, FHA, VA, and NonQM loans. Clients appreciate the clear communication and smooth process, though some note the experience can feel very personalized around a small team.
Structure Finance LLC specializes in financing for investment properties, commercial units, and single-family residences, handling conventional and FHA loans. The team guides clients through the mortgage process with clear communication and timely closings, though some may find the pace faster than typical brokers. Customers appreciate their knowledgeable support and smooth experience.
Mortgage Pros RGV at Directions Equity specializes in mortgage lending tailored to the Rio Grande Valley community, focusing on helping clients navigate home purchase loans with clear guidance. The team offers detailed explanations throughout the process and provides educational resources to support informed decisions. Some clients note strong communication and responsiveness as key strengths.
MovementRGV focuses on providing bilingual mortgage services tailored to the Rio Grande Valley community, including first-time buyer programs, VA loans, and down payment assistance. Their team offers local expertise and a streamlined approval process, though some clients have noted communication challenges and delays during closing.
With over 20 years of combined experience, Mr. Mortgage, LLC offers personalized guidance through a variety of residential mortgage programs across Texas. Their team supports clients purchasing, building, refinancing, or investing in homes, aiming to simplify each step of the loan process. Customers appreciate their clear communication and attentive service throughout.
Dream Home Mortgage specializes in guiding first-time buyers, self-employed individuals, and newcomers through a wide range of mortgage options, including refinancing and specialized loans. The team is known for clear communication and patient support, helping clients navigate each step with transparency and care. Some find the process slower than expected, but many appreciate the thorough… more...
Dream Home Mortgage specializes in guiding first-time buyers, self-employed individuals, and newcomers through a wide range of mortgage options, including refinancing and specialized loans. The team is known for clear communication and patient support, helping clients navigate each step with transparency and care. Some find the process slower than expected, but many appreciate the thorough guidance.
Union Home Mortgage offers home loan services with a focus on guiding first-time buyers through the mortgage process. The team handles document preparation and underwriting support, though some clients have noted occasional communication delays and coordination issues. Many appreciate the detailed explanations and responsiveness from certain agents during closing.
Specializing in customized home loans, Joe Cuellar | Home Loans helps clients navigate purchases, refinancing, and investment property financing with a streamlined process. The team offers both online tools and personal support, and customers often note their clear guidance and friendly approach throughout the mortgage journey.
Lenders made 5,543 home-purchase loans in Hidalgo County in 2025 (average about $262,000) and denied 1,703 — 24% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Mcallen, the median home is worth $190,400 and 48% of owners have a mortgage, paying a median $1,764 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Hidalgo 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 | Unity Group at Eustis Mortgage | 4.9 | 418 | — | (956) 683-6076 | Visit |
| 2 | Willow Bend Mortgage - McAllen Branch (#351853) | 4.6 | 222 | — | (956) 271-0360 | Visit |
| 3 | Elite Choice Mortgage | 5.0 | 105 | Quoted per loan | (956) 789-6025 | Visit |
| 4 | Structure Finance LLC | 4.9 | 95 | Quoted per loan | (956) 340-4400 | — |
| 5 | Mortgage Pros RGV at Directions Equity | 4.7 | 90 | Quoted per loan | (956) 467-4414 | Visit |
| 6 | Movement Mortgage | 4.8 | 56 | — | — | Visit |
| 7 | Mr. Mortgage, LLC | 4.6 | 21 | Quoted per loan | (956) 287-5626 | Visit |
| 8 | Dream Home Mortgage | 4.8 | 20 | Quoted per loan | (956) 404-0440 | Visit |
| 9 | Union Home Mortgage | 4.8 | 17 | — | (956) 452-1036 | Visit |
| 10 | Joe Cuellar | Home Loans | 5.0 | 11 | — | (956) 789-2121 | 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.