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

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.

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 Arlington

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

1

Guild Mortgage - Karl Svendsen

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.

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Open 9:00 AM - 5:00 PM
2300 Wilson Blvd Ste 758, Arlington, VA 22201
2

Monument Home Loans

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.

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(703) 650-7431
Open 9:00 AM - 5:00 PM
4075 Wilson Blvd Ste 823, Arlington, VA 22203
3

Bruce Rosenberger at Rate (NMLS #659495)

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.

Services & Prices
Pre-approval Quoted per loan
Home Loan Quoted per loan
Refinancing Quoted per loan
View Profile
(703) 850-1349
Open 9:00 AM - 5:00 PM
1300 17th St N Ste 550, Arlington, VA 22209
General Services
Mortgage Services
4

Guild Mortgage - Alex Dykes

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.

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(703) 947-8910
Open 9AM - 5PM
2300 Wilson Blvd Ste 758, Arlington, VA 22201
5

Brian Kempf at Certainty Home Lending (NMLS #483525)

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.

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(571) 309-4911
Open 9:00 AM - 5:00 PM
4501 Fairfax Dr Ste 603, Arlington, VA 22203
Where they are 10 on the map Click a pin for the profile and directions
6

Melissa Cabral | Fairway Independent Mortgage Corporation

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.

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(617) 207-0079
Open 8:00 AM - 6:00 PM
1100 20th St S, Arlington, VA 22202
7

Alan Dillon at Rate (NMLS #83838)

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.

Services & Prices
Mortgage Pre-Approval Services Quoted per loan
Mortgage Closing Coordination Quoted per loan
View Profile
(703) 946-8988
Open 9:00 AM - 5:00 PM
1300 17th St N Ste 550, Arlington, VA 22209
General Services
Mortgage Lending
8

Nick Genovese

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.

Services & Prices
VA Home Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
Pre-Approval for Mortgage Quoted per loan
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(703) 859-1336
Open 00:00 - 23:59
4051 Fairfax Dr, Arlington, VA 22203
General Services
Mortgage Lending
9

Brandon Frye at Rate (NMLS #519595)

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(703) 884-1172
Open 9:00 AM - 5:00 PM
1300 17th St N Ste 550, Arlington, VA 22209
General Services
Mortgage Services
10

Andrew Siddon at Certainty Home Lending (NMLS #483523)

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.

Services & Prices
Pre-Approval Quoted per loan
Settlement Services Quoted per loan
View Profile
(703) 980-9815
Open 9AM - 5PM
4501 Fairfax Dr Ste 603, Arlington, VA 22203
General Services
Mortgage Services

Arlington Mortgage Statistics

Home-purchase lending in Arlington County and home costs in Arlington, VA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
1,915▲ 6%1,813 in 2024
Denial rate
6%VA 11%
Median home value
$895,000VA $383,700
Monthly cost with a mortgage
$3,649median · VA $2,127
Refinance loans made (Arlington County, 2025)
791 · 480 in 2024
Home-improvement loans made (2025)
284
Average home-purchase loan
$924,000 (VA $452,000)
Owners with a mortgage
72% · 22% of them spend 30%+ of income on housing
Median household income
$142,114 (VA $93,170)

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.

Arlington Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Arlington 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.

Virginia 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 0.75% of the home's value a year, the Virginia 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

10 questions
How does the Arlington mortgage affordability calculator work?
The calculator estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is the mortgage affordability estimate?
The estimate is a guideline. A pre-approval confirms the real number after verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Virginia?
Lenders usually 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 Arlington?
Minimum down payments are 3% for conventional first-time buyer loans, 3.5% for FHA loans, and 0% for eligible VA and USDA loans.
How does private mortgage insurance (PMI) affect my mortgage?
Conventional loans with less than 20% down add PMI, about 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home's value.
How do interest rates affect how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
How do my debts impact the mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of income.
What are property taxes like in Virginia?
Property taxes in Virginia average about 0.75% of the home's value annually.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, while pre-qualification is a preliminary estimate without verification.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage loans by connecting borrowers with lenders.

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