How much house can you afford in Arlington? 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 |
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Guild Mortgage - Karl Svendsen
5.0 · 144 reviews · Free pre-approval
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Monument Home Loans
5.0 · 138 reviews · Free pre-approval
Get pre-approved →
Bruce Rosenberger at Rate (NMLS #659495)
5.0 · 136 reviews · Free pre-approval
Get pre-approved →
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 →
Known for creative financing solutions and a hands-on approach, Guild Mortgage - Karl Svendsen helps clients navigate complex home loans with personalized support. The team offers a variety of mortgage products including FHA, VA, and conventional loans, often stepping in when others can’t. Customers appreciate their responsiveness and ability to get deals closed, even in challenging situations.
Monument Home Loans is known for its quick turnaround and responsive communication throughout the mortgage process. The team handles a variety of loan types, including VA and non-VA mortgages, and is praised for clear explanations and attentive service. Some customers note occasional challenges but appreciate the effort to resolve issues promptly.
Known for clear communication and timely updates, this mortgage broker focuses on guiding buyers smoothly from pre-approval to closing. The team offers attentive loan services, keeping clients informed throughout the process. Some clients note the experience can feel transactional, but many appreciate the professionalism and responsiveness.
About Guild MortgageGuild Mortgage is a leading national mortgage lender dedicated to helping individuals and families achieve homeownership. Founded with a commitment to integrity and customer service, the company has grown to become a trusted name in the industry. Guild Mortgage emphasizes personalized service, offering a wide range of mortgage solutions tailored to meet the unique needs of… more...
About Guild MortgageGuild Mortgage is a leading national mortgage lender dedicated to helping individuals and families achieve homeownership. Founded with a commitment to integrity and customer service, the company has grown to become a trusted name in the industry. Guild Mortgage emphasizes personalized service, offering a wide range of mortgage solutions tailored to meet the unique needs of each borrower. Their mission is to provide a seamless and supportive home financing experience, fostering long-term relationships built on trust and transparency. With a focus on innovation and community, Guild Mortgage strives to make the dream of homeownership accessible to all.Industry ExpertiseGuild Mortgage is recognized for its extensive industry expertise and commitment to excellence. The company consistently receives high ratings and positive reviews, reflecting its dedication to customer satisfaction. They are known for their knowledgeable loan officers who provide expert guidance throughout the mortgage process. Guild Mortgage actively participates in industry associations and adheres to the highest ethical standards, ensuring compliance and reliability. Their robust operational infrastructure and experienced team enable them to navigate complex market conditions and deliver consistent results for their clients.Guild Mortgage OffersGuild Mortgage offers a comprehensive suite of mortgage products designed to suit various financial situations and homeownership goals. This includes conventional loans, FHA loans, VA loans, and USDA loans, catering to first-time homebuyers, move-up buyers, and refinancers. They also provide specialized programs such as down payment assistance and options for high-cost markets. Their services extend to construction loans and renovation loans, supporting clients through various stages of homeownership. Guild Mortgage prides itself on its ability to find the right loan solution, simplifying the borrowing process and empowering customers to make informed decisions.Unique AdvantagesGuild Mortgage distinguishes itself through its deep commitment to customer education and support, offering extensive resources like mortgage calculators and informative articles. The company's strong emphasis on community involvement and corporate social responsibility, particularly through initiatives like Guild Giving, sets it apart. Furthermore, their dedication to technological innovation ensures a streamlined and efficient lending process, enhancing the overall customer experience.
Certainty Home Lending (NMLS #483525) offers a streamlined mortgage process focused on clear communication and timely closings. The team assists with home loans, often completing transactions faster than typical timelines. Customers appreciate the smooth, low-stress experience, though some may find the pace brisk.
Fairway Independent Mortgage Corporation specializes in guiding clients through the mortgage process with personalized service and a variety of loan options. The team assists with buying, building, or refinancing homes, focusing on clear communication and keeping clients informed. Customers appreciate their responsiveness and support, especially during time-sensitive transactions.
Known for clear communication and quick responses, Alan Dillon at Rate (NMLS #83838) guides clients through every step of the home buying process with thorough explanations and personalized support. The team handles mortgage applications efficiently, often using digital tools to keep the process smooth and convenient. Customers appreciate their patience and availability throughout.
Known for a streamlined, stress-free mortgage process, this broker offers a variety of loan options including VA, FHA, jumbo, and renovation loans. The team is praised for clear communication, responsiveness, and expert guidance, especially with VA home lending. Some clients note the thoroughness can require patience but appreciate the steady support throughout.
Licensed under NMLS #519595, this team focuses on guiding first-time and experienced homebuyers through mortgage loans with clear communication and transparency. They offer competitive rates and use digital tools to keep clients informed and organized. Customers appreciate their responsiveness and the smooth, supportive process throughout.
Certainty Home Lending (NMLS #483523) offers a secure document portal that simplifies the mortgage process and protects client information. The team guides customers through home financing with clear communication and prompt responses from pre-approval to closing. Many clients appreciate the smooth, well-organized experience throughout their mortgage journey.
Lenders made 1,915 home-purchase loans in Arlington County in 2025 (average about $924,000) and denied 122 — 6% of decided applications, compared with 11% across Virginia, according to federal mortgage data (HMDA, CFPB). In Arlington, the median home is worth $895,000 and 72% of owners have a mortgage, paying a median $3,649 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Arlington 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 | Guild Mortgage - Karl Svendsen | 5.0 | 144 | — | — | Visit |
| 2 | Monument Home Loans | 5.0 | 138 | — | (703) 650-7431 | Visit |
| 3 | Bruce Rosenberger at Rate (NMLS #659495) | 5.0 | 136 | Quoted per loan | (703) 850-1349 | Visit |
| 4 | Guild Mortgage - Alex Dykes | 5.0 | 112 | — | (703) 947-8910 | Visit |
| 5 | Brian Kempf at Certainty Home Lending (NMLS #483525) | 4.9 | 61 | — | (571) 309-4911 | Visit |
| 6 | Melissa Cabral | Fairway Independent Mortgage Corporation | 5.0 | 59 | — | (617) 207-0079 | Visit |
| 7 | Alan Dillon at Rate (NMLS #83838) | 5.0 | 52 | Quoted per loan | (703) 946-8988 | Visit |
| 8 | Nick Genovese | 5.0 | 50 | Quoted per loan | (703) 859-1336 | Visit |
| 9 | Brandon Frye at Rate (NMLS #519595) | 5.0 | 43 | Quoted per loan | (703) 884-1172 | Visit |
| 10 | Andrew Siddon at Certainty Home Lending (NMLS #483523) | 5.0 | 36 | Quoted per loan | (703) 980-9815 | 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.