How much house can you afford in Spokane? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
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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.
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| After | Paid in total | Still owed |
|---|
Jason Paull Team | Fairway Home Mortgage
5.0 · 240 reviews · Free pre-approval
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Q Home Loans
5.0 · 151 reviews · Free pre-approval
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Mike Pankey Mortgage Advisor - NMLS 718905
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 →
Specializing in helping families build wealth through real estate, the Jason Paull Team offers mortgage services tailored to both first-time buyers and seasoned investors. Clients appreciate their clear communication and persistence, especially when challenges arise during the loan process. The team guides borrowers smoothly from application to closing with personalized support.
With more than 25 years of local lending experience and underwriting done in-house, Q Home Loans offers a wide range of mortgage programs including conventional, FHA, VA, and specialized loans like Down Payment Help and DSCR. Customers appreciate the team’s responsiveness and personalized guidance, especially through complex loan processes.
Licensed mortgage advisor Mike Pankey (NMLS 718905) and his team focus on guiding clients through home financing with clear communication and personalized support. They assist with pre-approvals, loan options, and refinancing, making the process straightforward and accessible. Customers appreciate their professionalism and friendly, informative approach throughout each step.
Envoy Mortgage offers a range of home loan options, including VA loans, with a focus on clear communication and personalized support throughout the mortgage process. Clients appreciate the team’s responsiveness and guidance, noting that the online platform simplifies document submission, though experiences may vary depending on the assigned loan officer.
PRMG focuses on providing supportive and personalized mortgage lending, often making clients feel like they’re working with a trusted friend. The team assists with home loans and handles special circumstances with care, maintaining clear communication throughout the process. Some clients note the experience can be busy, but the friendly approach stands out.
Cornerstone Home Lending - Kyle Gilliam offers access to over 250 loan programs, aiming to close and fund mortgages in under 30 days using the latest technology and an easy-to-use phone app. They assist with a variety of loans, including VA, FHA, and refinancing, and are often noted for clear communication and responsiveness throughout the lending process.
Shout Mortgage offers quick and smooth mortgage solutions, often securing competitive rates even when others can’t. The team helps clients explore multiple loan options to find the best fit, with many noting prompt communication and efficient service throughout the process. Some customers mention a fast turnaround from application to closing.
Guardian Mortgage specializes in helping clients navigate complex real estate transactions, including multi-state purchases and refinancing. The team offers personalized mortgage options and clear explanations, often providing 24/7 availability to address questions. Customers appreciate the smooth process and the honest, straightforward guidance throughout.
Brazington Mortgage specializes in private money loans tailored for real estate investors and business owners, offering flexible funding backed by real estate collateral. The team handles a variety of loan types, including commercial mortgages, bridge loans, and construction financing, with a focus on clear communication and fast approvals. Customers appreciate the personal attention and… more...
Brazington Mortgage specializes in private money loans tailored for real estate investors and business owners, offering flexible funding backed by real estate collateral. The team handles a variety of loan types, including commercial mortgages, bridge loans, and construction financing, with a focus on clear communication and fast approvals. Customers appreciate the personal attention and practical approach, though the process can sometimes require patience due to outside documentation.
Guild Mortgage Company is recognized for its knowledgeable team that guides clients through home loans and refinancing with clear communication and personalized support. They assist first-time buyers and seasoned investors alike, often praised for responsiveness and professionalism. Some customers note challenges with related real estate services, but the mortgage process itself is handled… more...
Guild Mortgage Company is recognized for its knowledgeable team that guides clients through home loans and refinancing with clear communication and personalized support. They assist first-time buyers and seasoned investors alike, often praised for responsiveness and professionalism. Some customers note challenges with related real estate services, but the mortgage process itself is handled smoothly.
Lenders made 6,597 home-purchase loans in Spokane County in 2025 (average about $376,000) and denied 588 — 8% of decided applications, compared with 9% across Washington, according to federal mortgage data (HMDA, CFPB). In Spokane, the median home is worth $363,500 and 67% of owners have a mortgage, paying a median $1,753 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Spokane 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 | Jason Paull Team | Fairway Home Mortgage | 5.0 | 240 | — | (509) 956-3101 | Visit |
| 2 | Q Home Loans | 5.0 | 151 | — | (509) 216-3333 | Visit |
| 3 | Mike Pankey Mortgage Advisor - NMLS 718905 | 5.0 | 89 | Quoted per loan | (509) 990-6987 | Visit |
| 4 | Envoy Mortgage - Spokane, WA | 5.0 | 73 | Quoted per loan | (509) 426-5336 | Visit |
| 5 | PRMG | 4.9 | 61 | — | (509) 675-8266 | Visit |
| 6 | Cornerstone Home Lending - Kyle Gilliam | 4.8 | 50 | Quoted per loan | (509) 216-2218 | Visit |
| 7 | Shout Mortgage - Washington | 4.8 | 41 | — | (509) 867-3754 | Visit |
| 8 | Maverick Johnston at Guardian Mortgage | 5.0 | 35 | — | (509) 230-0768 | Visit |
| 9 | Brazington Mortgage | 4.7 | 15 | Quoted per loan | (509) 922-4560 | Visit |
| 10 | Guild Mortgage Company | 4.9 | 8 | Quoted per loan | (509) 467-1260 | 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.