How much house can you afford in Plano? 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 |
|---|
Premier Nationwide Lending
5.0 · 723 reviews · Free pre-approval
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The Richard Woodward Team Nexa Mortgage
5.0 · 348 reviews · Free pre-approval
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Aspire Mortgage Advisors
4.8 · 216 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 →
Premier Nationwide Lending specializes in handling complex refinancing and home purchase transactions with a focus on clear communication and efficiency. The team guides clients through every step, often attending closings to address questions and ensure a smooth process. Customers appreciate their professionalism and responsiveness, though experiences may vary with individual agents.
With over 20 years of experience, The Richard Woodward Team Nexa Mortgage focuses on simplifying the home loan process across several states. They offer a wide range of mortgage options including purchase loans, refinancing, and specialized programs like Doctor Home Loans and renovation loans. Clients appreciate their clear communication and knowledgeable guidance throughout the process.
Aspire Mortgage Advisors focuses on building long-term relationships, aiming to be a lifelong lending partner with over 25 years of combined experience. They offer personalized mortgage solutions through local loan officers who guide clients step-by-step. While some customers mention communication challenges and delays, others appreciate the attentive service and support throughout the process.
Accredited by the Better Business Bureau with an A+ rating, Prime Choice Lending offers personalized mortgage solutions for home purchases and refinancing. Their experienced team negotiates with multiple lenders to find competitive rates and guides clients through the loan process. While many appreciate their clear explanations and fast turnaround, some mention occasional communication challenges.
Willow Bend Mortgage blends advanced technology with personalized support to simplify the home loan process. They offer a range of loan options including conventional, FHA, VA, jumbo, renovation, and reverse mortgages, guiding clients from application to closing. While many appreciate their responsiveness and expertise, some have noted concerns about transparency during closing.
Known for clear communication and personalized guidance, H2 Lending LLC helps clients navigate the mortgage process with ease. Specializing in first-time homebuyer support and refinancing, the team offers competitive rates and a streamlined online application. Customers appreciate their responsiveness and thorough explanations, though some find the initial steps challenging before getting started.
Home Loans by Texas Best Loan Officer operates as a mortgage broker, helping clients find competitive rates without lender fees. The team offers a range of loan options including FHA, VA, and Jumbo loans, guiding homebuyers and refinancers through a streamlined process. Customers appreciate their responsiveness and clear communication throughout the loan journey.
Known for guiding first-time homebuyers through every step, Elevate Home Mortgage offers refinancing, loan options, and assistance with homestead exemptions. The team is praised for clear communication and accommodating clients’ schedules, though some find the process takes time due to thoroughness. Their support helps make complex steps easier to navigate.
Known for patient communication and extra effort, Jack Cooper Mortgage offers a range of loan options including home purchase, refinance, and bridge loans. Clients appreciate the clear guidance and quick processing, though the personalized attention may mean working closely through each step of the application.
Known for guiding clients through complex situations, this mortgage loan officer helps with home loans, refinancing, and HELOCs. The team is responsive and clear in their explanations, making the process straightforward. Customers appreciate their professionalism and community presence, though some note the process can be challenging depending on individual circumstances.
Lenders made 19,913 home-purchase loans in Collin County in 2025 (average about $458,000) and denied 2,341 — 11% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Plano, the median home is worth $465,900 and 60% of owners have a mortgage, paying a median $2,723 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Collin 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 | Premier Nationwide Lending | 5.0 | 723 | Quoted per loan | (972) 537-0600 | Visit |
| 2 | The Richard Woodward Team Nexa Mortgage | 5.0 | 348 | Quoted per loan | (214) 945-1066 | Visit |
| 3 | Aspire Mortgage Advisors | 4.8 | 216 | Quoted per loan | (214) 563-3368 | Visit |
| 4 | Prime Choice Lending. | 4.5 | 221 | — | (972) 402-8480 | Visit |
| 5 | Willow Bend Mortgage Company, (#117371) - Plano | 4.8 | 136 | — | (972) 818-1666 | Visit |
| 6 | H2 Lending LLC | 5.0 | 126 | — | (214) 991-2933 | Visit |
| 7 | Home Loans by Texas Best Loan Officer | 4.9 | 121 | — | (214) 532-4770 | Visit |
| 8 | Elevate Home Mortgage | 5.0 | 112 | $30 | (817) 583-0986 | Visit |
| 9 | Jack Cooper Mortgage | 5.0 | 95 | — | (214) 354-7891 | Visit |
| 10 | Mortgage Loan Officer | 5.0 | 29 | — | — | — |
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.