How much house can you afford in Chesapeake? 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 |
|---|
Atlantic Bay Mortgage Group
5.0 · 299 reviews · Free pre-approval
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Briggs Team Lending - Taylor Briggs
5.0 · 153 reviews · Free pre-approval
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The Broker - Mortgage Experts
5.0 · 123 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 →
Atlantic Bay Mortgage Group focuses on guiding first-time homebuyers through the mortgage process with clear communication and responsive support. Their team assists with home purchases and refinancing, taking time to explain each step. Customers appreciate their approachable, knowledgeable service, though some note the process can require patience.
Known for clear communication and helpful guidance throughout the mortgage process, Briggs Team Lending - Taylor Briggs offers a range of home financing options tailored to individual needs. Clients appreciate the team’s proactive updates and smooth handling from pre-approval to closing, making home buying less stressful and more transparent.
The Broker focuses on providing low rates and fees while guiding clients through the mortgage process with clear communication and educational resources. Their team assists with everything from pre-qualification to closing, aiming to simplify financing for both first-time buyers and experienced investors. Customers appreciate their professionalism and support, though some note the process can… more...
The Broker focuses on providing low rates and fees while guiding clients through the mortgage process with clear communication and educational resources. Their team assists with everything from pre-qualification to closing, aiming to simplify financing for both first-time buyers and experienced investors. Customers appreciate their professionalism and support, though some note the process can feel intense at times.
RW Towne Mortgage focuses on personalized home loan guidance, helping clients navigate changes smoothly throughout the process. The team offers attentive support and clear communication, making mortgage decisions more manageable. Customers appreciate the professional approach and the ease of working with the agents.
Known for responsive communication and guidance beyond regular hours, this mortgage team helps clients navigate loan options with clarity. They assist with various mortgage types and rate strategies, supporting first-time buyers through to closing. Customers appreciate their promptness and thorough explanations throughout the process.
TowneBank Mortgage blends a hometown approach with modern technology to offer personalized mortgage solutions. Their team handles a range of loans, including purchases, refinancing, and construction, with a focus on clear communication and efficient processing. Customers often note a smooth experience and helpful guidance throughout the loan process.
Vantage Point Mortgage specializes in helping clients close home loans quickly, even under tight deadlines. The team offers mortgage brokerage services focused on clear communication and a smooth process. Customers appreciate their professionalism and responsiveness, though some note the experience depends on timely cooperation.
CrossCountry Mortgage emphasizes a seamless, transparent home financing experience backed by a strong technology platform and a knowledgeable team. They offer a range of loan options including conventional, FHA, VA, and jumbo loans, guiding clients through purchases and refinancing. Customers appreciate the clear communication and supportive service throughout the process.
Mortgage 757, LLC focuses on guiding first-time homebuyers through the mortgage process with attentive support and clear communication. The team helps clients navigate challenges while keeping them informed and comfortable every step of the way. Customers appreciate the personal care and responsiveness throughout their home financing journey.
Lenders made 3,639 home-purchase loans in Chesapeake City County in 2025 (average about $397,000) and denied 267 — 7% of decided applications, compared with 11% across Virginia, according to federal mortgage data (HMDA, CFPB). In Chesapeake, the median home is worth $378,400 and 75% of owners have a mortgage, paying a median $2,142 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Chesapeake City 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 | Atlantic Bay Mortgage Group | 5.0 | 299 | — | (757) 819-0301 | Visit |
| 2 | Briggs Team Lending - Taylor Briggs | 5.0 | 153 | Quoted per loan | (757) 663-1473 | Visit |
| 3 | The Broker - Mortgage Experts | 5.0 | 123 | $200 | (757) 642-5078 | Visit |
| 4 | Tim Lee Loan Officer with RW Towne Mortgage | 5.0 | 115 | — | (757) 236-3747 | Visit |
| 5 | Whitney Oertel Senior Mortgage Loan Officer with Towne Mortgage | 5.0 | 101 | — | (757) 620-2888 | Visit |
| 6 | Chace Cooper with TowneBank Mortgage | 5.0 | 65 | — | (757) 377-5367 | Visit |
| 7 | Vantage Point Mortgage | 5.0 | 60 | Quoted per loan | (757) 600-4222 | Visit |
| 8 | Marcie Ellis Richard at CrossCountry Mortgage | 5.0 | 42 | — | (757) 560-6012 | Visit |
| 9 | TowneBank Mortgage | 4.8 | 25 | — | (757) 222-2149 | Visit |
| 10 | Mortgage 757, LLC | 5.0 | 16 | $150 | (757) 581-0325 | 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.