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Review Keywords Analysis

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

Mortgage Affordability Calculator Tacoma, WA

How much house can you afford in Tacoma? 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 Tacoma

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

1

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation is known for guiding first-time homebuyers through complex loan processes, including VA loans, with clear communication and attentive support. The team offers mortgage brokerage services and is appreciated for keeping clients informed throughout. Some customers note occasional issues with promised debt payments.

Services & Prices
VA Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(253) 244-9401
Closed Now
4717 S 19th St #102, Tacoma, WA 98405
General Services
Home Financing
2

The Fornerette Team | Michael Fornerette

Licensed in multiple states, The Fornerette Team offers a wide range of mortgage loan programs with personalized guidance throughout the home buying or refinancing process. Clients appreciate their clear communication and support, though some note the process can require patience as details are carefully managed.

View Profile
(253) 243-8668
Closed Now
5038 Tacoma Mall Blvd Ste C, Tacoma, WA 98409
3

Guild Mortgage Company

Guild Mortgage Company is known for its responsive and compassionate team that helps guide clients through the home financing process with clear communication and patience. They offer mortgage brokerage services, often praised for making complex steps easier to understand. Some customers have noted occasional challenges with customer treatment, but many appreciate the support and transparency… more...

Guild Mortgage Company is known for its responsive and compassionate team that helps guide clients through the home financing process with clear communication and patience. They offer mortgage brokerage services, often praised for making complex steps easier to understand. Some customers have noted occasional challenges with customer treatment, but many appreciate the support and transparency throughout.

View Profile
(253) 830-2300
Closed Now
4301 S Pine St Suites 540 & 110, Tacoma, WA 98409
4

Guild Mortgage - Kevin Day

Guild Mortgage - Kevin Day is known for responsive, honest guidance that helps clients confidently navigate home financing. The team offers a range of mortgage options including fixed-rate, FHA, VA, and refinancing loans, with clear explanations throughout the process. Customers appreciate the steady communication and personalized support, though some note the process can require patience.

View Profile
(253) 830-2309
Closed Now
4301 S Pine St Suites 540 & 110, Tacoma, WA 98409
5

Julie Swenson Team: Mortgage Broker NMLS #185767

Licensed as Mortgage Broker NMLS #185767, the Julie Swenson Team focuses on simplifying the mortgage process with fast approvals and personalized support. They assist with home purchases, refinancing, and cash-out loans across Washington, Oregon, and Idaho. Clients appreciate their clear communication and responsiveness, though some note paperwork explanations could be more detailed.

Services & Prices
VA Home Loans Quoted per loan
Conventional Home Loans Quoted per loan
View Profile
(253) 228-1200
Closed Now
1201 Pacific Ave #600, Tacoma, WA 98402
General Services
Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Rally Point Mortgage a dba of C2 Financial

Rally Point Mortgage focuses on personalized mortgage solutions with a client-first approach, working for borrowers rather than banks. They offer a variety of loan options including VA, FHA, and jumbo loans, along with free online tools to support homebuyers and those refinancing. Customers appreciate the team’s transparency and responsiveness, though timing can occasionally be affected by… more...

Rally Point Mortgage focuses on personalized mortgage solutions with a client-first approach, working for borrowers rather than banks. They offer a variety of loan options including VA, FHA, and jumbo loans, along with free online tools to support homebuyers and those refinancing. Customers appreciate the team’s transparency and responsiveness, though timing can occasionally be affected by personal commitments.

View Profile
(253) 921-2934
Closed Now
231 Contra Costa Ave, Tacoma, WA 98466
7

The Patterson Company Real Estate Lending

The Patterson Company Real Estate Lending specializes in simplifying the home financing process, especially for first-time buyers. Their team handles rate comparisons and loan options, keeping clients informed with clear explanations and regular updates. Customers appreciate their professionalism and responsiveness throughout the mortgage journey.

View Profile
(253) 761-2929
Closed Now
3324 N Visscher St, Tacoma, WA 98407
8

Union Home Mortgage

Known for its personalized approach and a broad range of mortgage options, Union Home Mortgage offers conventional, FHA, VA, USDA, construction, and refinance loans. Customers appreciate the clear communication and patient guidance provided by the team throughout the loan process, helping them feel supported every step of the way.

View Profile
(253) 336-2055
Closed Now
950 Broadway Suite M100 | Office 17, Tacoma, WA 98402
9

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation is known for its personable team that helps make mortgage processes straightforward and approachable. They offer a range of mortgage lending services, with customers appreciating the knowledgeable and friendly approach. Some clients note a preference for working with specific agents, reflecting the personalized nature of their service.

View Profile
(253) 243-8668
Closed Now
5038 Tacoma Mall Blvd, Tacoma, WA 98409
10

Josh Comstock - All Square Mortgage

All Square Mortgage focuses on guiding clients through home loan and refinancing options with clear communication and patience. The team helps customers explore various mortgage choices and works to secure competitive rates, often praised for their knowledge and responsiveness throughout the process. Some clients note the experience involves detailed discussions to address many questions.

View Profile
(360) 628-4994
Closed Now
3906 S 74th St #202, Tacoma, WA 98409

Tacoma Mortgage Statistics

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

Lenders made 11,342 home-purchase loans in Pierce County in 2025 (average about $502,000) and denied 1,073 — 9% of decided applications, compared with 9% across Washington, according to federal mortgage data (HMDA, CFPB). In Tacoma, the median home is worth $479,600 and 73% of owners have a mortgage, paying a median $2,303 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
11,342▲ 6%10,725 in 2024
Denial rate
9%WA 9%
Median home value
$479,600WA $564,600
Monthly cost with a mortgage
$2,303median · WA $2,445
Refinance loans made (Pierce County, 2025)
7,096 · 5,133 in 2024
Home-improvement loans made (2025)
2,333
Average home-purchase loan
$502,000 (WA $564,000)
Owners with a mortgage
73% · 35% of them spend 30%+ of income on housing
Median household income
$85,884 (WA $98,141)

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

How this Tacoma 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 Tacoma mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on your income, debts, down payment, and interest rate, including PMI and property tax.
How accurate is the Tacoma mortgage calculator?
The calculator provides an estimate. A pre-approval from a lender confirms the real number after verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Washington?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income. Some loans may allow more with strong credit.
What is the minimum down payment for a first-time buyer in Tacoma?
Minimum down payments are 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
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, starting at 7.40% in October 2026.
How do debts impact my mortgage qualification in Tacoma?
Higher monthly debt payments reduce the amount you can borrow for a mortgage, as lenders consider total debt payments in their calculations.
What are property taxes like in Washington?
Property tax is about 0.74% of the home's value annually, based on the 2024 average for owner-occupied homes in Washington.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves a lender verifying your financial details to confirm a loan amount. Pre-qualification is a preliminary estimate without verification.
What does a mortgage broker do?
A mortgage broker helps you find and apply for a mortgage by comparing different lenders and loan options to suit your needs.

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