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.
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 |
|---|
Fairway Independent Mortgage Corporation
5.0 · 268 reviews · Free pre-approval
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The Fornerette Team | Michael Fornerette
5.0 · 101 reviews · Free pre-approval
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Guild Mortgage Company
4.7 · 81 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Fairway Independent Mortgage Corporation | 5.0 | 268 | Quoted per loan | (253) 244-9401 | — |
| 2 | The Fornerette Team | Michael Fornerette | 5.0 | 101 | — | (253) 243-8668 | Visit |
| 3 | Guild Mortgage Company | 4.7 | 81 | — | (253) 830-2300 | Visit |
| 4 | Guild Mortgage - Kevin Day | 5.0 | 50 | — | (253) 830-2309 | Visit |
| 5 | Julie Swenson Team: Mortgage Broker NMLS #185767 | 4.8 | 50 | Quoted per loan | (253) 228-1200 | Visit |
| 6 | Rally Point Mortgage a dba of C2 Financial | 5.0 | 47 | — | (253) 921-2934 | Visit |
| 7 | The Patterson Company Real Estate Lending | 5.0 | 20 | — | (253) 761-2929 | Visit |
| 8 | Union Home Mortgage | 4.9 | 15 | — | (253) 336-2055 | Visit |
| 9 | Fairway Independent Mortgage Corporation | 5.0 | 10 | — | (253) 243-8668 | — |
| 10 | Josh Comstock - All Square Mortgage | 5.0 | 8 | — | (360) 628-4994 | 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.