How much house can you afford in Newport News? 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 |
|---|
M&M Mortgage TeamVerified
4.9 · 74 reviews · Free pre-approval
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Andrew Jordan with TowneBank Mortgage
5.0 · 93 reviews · Free pre-approval
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Patrick Avery | Southern Trust Mortgage
5.0 · 89 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 →
Licensed in Virginia, Florida, and Texas, M&M Mortgage Team offers a digital-first approach to home financing that simplifies the mortgage process. They assist with home purchases and refinancing, providing clear explanations and competitive rates. Customers appreciate the team’s transparency, responsiveness, and guidance throughout each step.
Southern Trust Mortgage is known for its personalized guidance and experienced loan officers who help clients navigate a variety of home loan options, including USDA, FHA, VA, and Conventional Loans. The team supports first-time buyers and refinancers alike, offering a smooth process with attentive communication and local market insights. Some clients note that scheduling can require flexibility… more...
Southern Trust Mortgage is known for its personalized guidance and experienced loan officers who help clients navigate a variety of home loan options, including USDA, FHA, VA, and Conventional Loans. The team supports first-time buyers and refinancers alike, offering a smooth process with attentive communication and local market insights. Some clients note that scheduling can require flexibility, but responsiveness remains a strong point.
Known for clear communication and reliable support, TowneBank Mortgage helps clients navigate home loans with straightforward guidance and timely updates. The team offers personalized loan options and maintains close contact from application through closing. Customers appreciate the easy-to-follow process and responsiveness throughout.
Michael Hartnett NMLS #207733 offers clear, upfront communication throughout the mortgage process, helping clients understand each step from start to finish. The team provides patient, professional support and keeps borrowers well informed, making the experience smoother and easier for those navigating home financing.
Arbor Home Loans specializes in VA Loans, providing detailed guidance and a variety of home financing options tailored to different needs. Their team offers personalized support throughout buying, refinancing, and construction loan processes. Customers appreciate their responsiveness and patience, noting the helpful, clear communication during each step.
Known for his patient, clear guidance and availability even on weekends and holidays, Barry Sharif specializes in home and business loan advising with a focus on real estate investment strategies. The team offers personalized consultations, educational resources, and VA notary services, helping clients navigate financing options with transparency and care. Some clients note the process can take… more...
Known for his patient, clear guidance and availability even on weekends and holidays, Barry Sharif specializes in home and business loan advising with a focus on real estate investment strategies. The team offers personalized consultations, educational resources, and VA notary services, helping clients navigate financing options with transparency and care. Some clients note the process can take time, but appreciate the thorough support throughout.
Known for responsive communication and support during tight deadlines, TowneBank Mortgage helps clients navigate mortgage loans with a personable approach. The team assists with lender switches and closing details, often praised for being available and clear throughout the process. Some customers note the experience depends on individual agents.
About Jimmy SgambelluriWith 22 years of experience in sales and marketing, Jimmy Sgambelluri specializes in strategic positioning to drive significant business growth. He is dedicated to fostering synergy within diverse teams and enhancing customer experiences through technology, automation, and data-driven approaches. Sgambelluri thrives on innovation and continuous improvement, aiming to… more...
About Jimmy SgambelluriWith 22 years of experience in sales and marketing, Jimmy Sgambelluri specializes in strategic positioning to drive significant business growth. He is dedicated to fostering synergy within diverse teams and enhancing customer experiences through technology, automation, and data-driven approaches. Sgambelluri thrives on innovation and continuous improvement, aiming to contribute to organizational success and expansion while building strong relationships with clients and colleagues.Credentials & ExpertiseSgambelluri possesses advanced proficiency in Microsoft & Google Suites, CRM, Lead Generation, Sales Automation, and Customer Positioning. He is also proficient in Digital Marketing, SEO, AI, and Copywriting. His extensive work history includes roles such as Sr. Loan Officer at Homespire Mortgage Company, PrimeLending Mortgage Company, Fulton Bank, and Affordable Mortgage of Virginia, as well as Director of Mortgage Lending at MICG Lending Group.OfferingsSgambelluri's expertise encompasses a wide range of sales and marketing strategies, including digital marketing, lead generation, sales automation, SEO, and AI. He has a proven track record in account management, SEM strategy development, and utilizing CRM software for growth. His skills extend to business development, automation strategy implementation, brand awareness enhancement, and crafting persuasive sales copy to drive customer engagement and sales.Unique AdvantagesJimmy Sgambelluri brings 22 years of sales and marketing experience. He excels in positioning strategies for business growth and leveraging technology, automation, and data. His advanced skills in CRM, sales automation, and customer positioning set him apart.
Lenders made 1,943 home-purchase loans in Newport News City County in 2025 (average about $290,000) and denied 237 — 11% of decided applications, compared with 11% across Virginia, according to federal mortgage data (HMDA, CFPB). In Newport News, the median home is worth $260,600 and 71% of owners have a mortgage, paying a median $1,730 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Newport News 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 | M&M Mortgage Team | 4.9 | 74 | — | (757) 337-3287 | Visit |
| 2 | Andrew Jordan with TowneBank Mortgage | 5.0 | 93 | — | (757) 870-5445 | Visit |
| 3 | Patrick Avery | Southern Trust Mortgage | 5.0 | 89 | — | (757) 274-9443 | Visit |
| 4 | Renee Bevan with TowneBank Mortgage | 5.0 | 67 | — | (757) 871-6262 | Visit |
| 5 | Michael Hartnett NMLS # 207733 Mortgage Lender | 5.0 | 66 | — | (757) 344-3366 | Visit |
| 6 | Arbor Home Loans | Newport News | 5.0 | 47 | Quoted per loan | (757) 275-8618 | Visit |
| 7 | McKim Beale with TowneBank Mortgage | 5.0 | 47 | — | (757) 880-0202 | Visit |
| 8 | Barry Sharif - Author, Loan Advisor, Notary | 5.0 | 31 | — | (631) 463-8583 | Visit |
| 9 | TowneBank Mortgage | 5.0 | 31 | — | (757) 534-9370 | Visit |
| 10 | Homespire Mortgage Company - Jimmy Sgambelluri | 4.9 | 31 | — | (757) 287-4098 | 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.