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

How much house can you afford in Bellevue? 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 Bellevue

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

1

Evergreen Home Loans Bellevue NMLS 3182

About This ApplicationThis document describes a runtime error encountered within a web application. The server is configured to prevent remote viewing of detailed error messages for security purposes. To enable remote viewing of error details, administrators must modify the application's web.config file to set the customErrors mode to "Off". This configuration change allows for more granular… more...

About This ApplicationThis document describes a runtime error encountered within a web application. The server is configured to prevent remote viewing of detailed error messages for security purposes. To enable remote viewing of error details, administrators must modify the application's web.config file to set the customErrors mode to "Off". This configuration change allows for more granular debugging when the application is accessed from remote machines.Credentials & TrustThe provided text does not contain information regarding certifications, licenses, awards, memberships, industry affiliations, customer ratings, years of experience, or guarantees. Therefore, no trust signals can be extracted from this document.Application OfferingsThis document does not detail any specific services, products, or solutions offered by the application. Its sole focus is on explaining a server error and the configuration required to manage error message visibility.Unique AdvantagesNo unique advantages or differentiators of the application are mentioned in this document. The text is purely technical, addressing a server error configuration.

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(425) 974-8500
Closed Now
15405 SE 37th St Ste 200, Bellevue, WA 98006
2

Bay Equity Home Loans

Bay Equity Home Loans focuses on guiding first-time homebuyers through the mortgage process with clear communication and patient support. Their team helps clients understand each step, works to secure competitive rates, and keeps the process on schedule. Customers appreciate the professionalism and responsiveness throughout the experience.

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(206) 779-1874
Closed Now
320 120th Ave NE Bldg B, Suite 203, Bellevue, WA 98005
3

Jeff Johnson - Megastar Financial Mortgage Corp

Known for providing personalized, one-on-one mortgage planning since 2002, Jeff Johnson - Megastar Financial Mortgage Corp offers thorough pre-approvals, detailed loan comparisons, and expert guidance on rate timing. Clients appreciate the clear communication and responsiveness, though working with a single point of contact means all questions go through one person.

Services & Prices
Conventional Mortgage Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
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(425) 998-6173
Closed Now
14205 SE 36th St Ste 100, Bellevue, WA 98006
General Services
Mortgage Financing
4

American Mortgage Inc

American Mortgage Inc. is known for fast, efficient loan processing and a personalized approach that supports clients through buying or refinancing a home. They offer a range of mortgage options, including fixed-rate and adjustable loans, plus tools to help with affordability decisions. While many appreciate their clear communication and smooth process, some have noted delays in follow-up contact.

Services & Prices
Home Purchase Financing Quoted per loan
Refinancing Quoted per loan
Pre-Approval Services Quoted per loan
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(425) 861-1800
Closed Now
989 112th Ave NE Unit 201, Bellevue, WA 98004
General Services
Mortgage Services
5

American Pacific Mortgage Bellevue (NMLS #944387)

American Pacific Mortgage Bellevue (NMLS #944387) is known for clear communication and responsiveness throughout the loan process. The team assists with various mortgage needs, including home purchases and HELOCs, often providing quick replies by phone, text, or email. Customers appreciate the straightforward guidance and smooth experience.

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(425) 274-2000
Closed Now
2018 156th Ave NE Ste 100 Bldg. F, Bellevue, WA 98007
Where they are 10 on the map Click a pin for the profile and directions
6

Troy Gamble

Known for a thoughtful and attentive approach, Troy Gamble and his team specialize in guiding buyers through mortgage options tailored to their unique situations. They focus on clear communication and honesty, often introducing clients to lesser-known programs that fit their needs. Customers appreciate their responsiveness and the care taken to ensure no one falls through the cracks.

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(425) 230-3123
Closed Now
11400 SE 8th St #360, Bellevue, WA 98004
7

Trevor Bennett - NFM Lending

Known for clear, thorough guidance throughout the home loan process, Trevor Bennett - NFM Lending helps clients make informed decisions with personalized support. The team specializes in VA loans and first-time homebuyer financing, consistently praised for responsiveness and detailed explanations. Some clients note the process can involve frequent communication, which many find helpful rather… more...

Known for clear, thorough guidance throughout the home loan process, Trevor Bennett - NFM Lending helps clients make informed decisions with personalized support. The team specializes in VA loans and first-time homebuyer financing, consistently praised for responsiveness and detailed explanations. Some clients note the process can involve frequent communication, which many find helpful rather than overwhelming.

Services & Prices
VA Home Loan Assistance Quoted per loan
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(425) 318-1483
Closed Now
11900 NE 1st St Ste 3024, Bellevue, WA 98005
General Services
Home Loan Services
8

Best Mortgage — Seattle Mortgage Broker Bellevue

Best Mortgage specializes exclusively in Reverse Mortgages, offering honest, no-pressure consultations tailored to seniors seeking to leverage home equity. With over 34 years of experience in the Seattle area, their team also assists with VA loans, refinancing, and first-time homebuyer programs. Clients appreciate their knowledgeable, approachable service and ongoing support beyond closing.

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(425) 649-6000
Closed Now
14205 SE 36th St Suite 100, Bellevue, WA 98006
9

Zack Nguyen - Mortgage & Real Estate

Known for a transparent approach and a Best Price Guarantee, this mortgage team offers a wide range of loan options, including FHA, VA, Jumbo, and refinancing programs. Customers appreciate their responsiveness, patience, and attention to detail throughout the homebuying process, helping make financing smoother and less stressful.

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(206) 707-5702
Open 00:00 - 23:59
14205 SE 36th St #112, Bellevue, WA 98006
10

General Mortgage Capital Corporation - Bellevue

General Mortgage Capital Corporation specializes in mortgage programs designed for self-employed borrowers, foreign nationals, and investors, offering options like closing cost assistance and flexible loan products. The team handles applications efficiently and stays accessible throughout the process, with clients appreciating their professionalism and responsiveness.

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(425) 999-7573
Closed Now
1750 112th Ave NE Ste d 259, Bellevue, WA 98004

Bellevue Mortgage Statistics

Home-purchase lending in King County and home costs in Bellevue, WA (latest HMDA and Census data)

Lenders made 21,413 home-purchase loans in King County in 2025 (average about $841,000) and denied 1,927 — 8% of decided applications, compared with 9% across Washington, according to federal mortgage data (HMDA, CFPB). In Bellevue, the median home is worth $1,340,300 and 61% of owners have a mortgage, paying a median $4,001 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
21,413▼ 1%21,585 in 2024
Denial rate
8%WA 9%
Median home value
$1,340,300WA $564,600
Monthly cost with a mortgage
$4,001median · WA $2,445
Refinance loans made (King County, 2025)
13,874 · 8,176 in 2024
Home-improvement loans made (2025)
4,335
Average home-purchase loan
$841,000 (WA $564,000)
Owners with a mortgage
61% · 27% of them spend 30%+ of income on housing
Median household income
$165,576 (WA $98,141)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in King County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

How this Bellevue 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.

Washington 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 0.74% of the home's value a year, the Washington 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

9 questions
How does the Bellevue mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate, including PMI and property tax.
How accurate is a mortgage affordability calculator?
It's an estimate. A pre-approval confirms the real number as lenders verify income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Washington?
Lenders typically cap housing costs at 31% of gross income and total debt payments at 43%, though some loans allow more with strong credit.
What is the minimum down payment for a home in Bellevue?
It's 3% for conventional first-time buyer loans, 3.5% for FHA loans. VA and USDA loans can allow 0% down for eligible buyers.
How do interest rates affect how much mortgage I can afford?
Higher rates increase monthly payments, reducing the home price you can qualify for. Rates change weekly.
How do existing debts affect my mortgage qualification?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt payments in their calculations.
What is the property tax rate in Washington?
The property tax is about 0.74% of the home's value per year, based on the 2024 average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit. Pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage loans, connecting buyers with lenders. They do not lend money themselves.

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