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Review Keywords Analysis

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

Mortgage Affordability Calculator Vancouver, WA

How much house can you afford in Vancouver? 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 Vancouver

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

1

Creekside Mortgage, Inc. | Veteran Owned since 2005

Veteran owned since 2005, Creekside Mortgage, Inc. specializes in a wide range of home loan programs, including VA, FHA, conventional, and refinance options. The team is known for clear communication and steady support throughout the process, helping borrowers feel informed and confident from application to closing.

Services & Prices
VA Loan Quoted per loan
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
View Profile
(360) 571-5626
Closed Now
220 W 8th St, Vancouver, WA 98660
General Services
Mortgage Services
2

Julee Felsman at Rate (NMLS #120831)

Known for clear communication and thorough guidance, this mortgage team helps clients navigate lending options with care and organization. They assist with purchase loans and work closely to keep the process on schedule, easing stress for first-time buyers and experienced clients alike. Customers appreciate their responsiveness and attention to detail throughout each step.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Scenario Analysis Quoted per loan
Rate Comparison Quoted per loan
Custom Loan Structuring Quoted per loan
View Profile
(503) 799-3711
Closed Now
630 Fort Vancouver Way, Vancouver, WA 98661
General Services
Mortgage Services
3

Guild Mortgage - Paula Nirschl

Guild Mortgage offers a structured, system-driven approach to home financing, helping clients navigate a variety of loan options from first-time purchases to investment properties. The team provides clear communication and personalized service, with clients appreciating their responsiveness and knowledgeable guidance throughout the process.

View Profile
(360) 816-5103
Closed Now
201 NE Park Plaza Dr Suite 242, Vancouver, WA 98684
4

Mortgage and Credit Pro, Mortgage Broker/Lender Vancouver, WA

Licensed in Oregon, Washington, and Arizona, Mortgage and Credit Pro focuses on simplifying the mortgage process for homebuyers and those refinancing. The team offers a range of loan options, including VA loans and renovation mortgages, and is praised for clear communication and timely responses throughout the process.

View Profile
(503) 550-8842
Closed Now
12411 SE 2nd Cir, Vancouver, WA 98684
5

Brian Stone & PNW Loans Team

Brian Stone & PNW Loans Team focuses on clear communication and timely support throughout the mortgage process. They assist with loan preapprovals and navigating financing options, keeping clients informed at every step. Customers appreciate their responsiveness and straightforward guidance, though some note the process can require patience.

Services & Prices
Mortgage Preapproval Quoted per loan
View Profile
(360) 255-7483
Closed Now
1800 F St, Vancouver, WA 98663
General Services
Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Guild Mortgage - Chris Cayo

About Guild MortgageGuild Mortgage, a leading independent mortgage lender, has been dedicated to helping homebuyers achieve their dreams since its founding in 1960. With a commitment to integrity, innovation, and exceptional customer service, Guild Mortgage has grown into one of the largest and most respected mortgage companies in the United States. The company's mission is to provide responsible… more...

About Guild MortgageGuild Mortgage, a leading independent mortgage lender, has been dedicated to helping homebuyers achieve their dreams since its founding in 1960. With a commitment to integrity, innovation, and exceptional customer service, Guild Mortgage has grown into one of the largest and most respected mortgage companies in the United States. The company's mission is to provide responsible home financing solutions tailored to the unique needs of each borrower. Guild Mortgage prides itself on its experienced team of mortgage professionals who possess deep industry knowledge and a passion for empowering individuals and families through homeownership. Their unique selling proposition lies in their personalized approach, combining cutting-edge technology with a human touch to ensure a smooth and supportive lending experience.Credentials and ExpertiseGuild Mortgage is recognized for its strong industry standing and commitment to excellence. The company consistently receives high ratings and positive reviews from customers, reflecting their dedication to client satisfaction. They are a proud recipient of various industry awards and accolades, underscoring their leadership in the mortgage sector. Guild Mortgage is also committed to ethical practices and compliance, holding all necessary licenses and adhering to stringent regulatory standards. Their team comprises seasoned professionals with extensive experience in all facets of mortgage lending, ensuring clients receive expert guidance and reliable support throughout the loan process. This focus on trust and transparency builds confidence and solidifies their reputation as a dependable partner in home financing.Offerings and SolutionsGuild Mortgage offers a comprehensive suite of mortgage products designed to meet a wide range of borrower needs. This includes conventional loans, FHA loans, VA loans for veterans, USDA loans for rural homebuyers, and jumbo loans for higher-cost markets. They also provide specialized programs such as down payment assistance, renovation loans, and refinance options to help homeowners achieve their financial goals. Guild Mortgage serves diverse communities across nearly every state, ensuring accessibility for a broad customer base. Their expertise extends to assisting first-time homebuyers, self-employed individuals, and those with unique financial situations. The company emphasizes a streamlined application process and provides educational resources to empower borrowers with knowledge.Unique AdvantagesGuild Mortgage distinguishes itself through its long-standing history of service, dating back to 1960, and its commitment to personalized customer care. They are consistently ranked among the top mortgage lenders, a testament to their reliability and performance. The company's extensive network of branches and loan officers across the nation ensures local expertise backed by national resources. Furthermore, Guild Mortgage actively engages in community initiatives through its Guild Giving program, demonstrating a commitment beyond just financial services.

View Profile
(503) 999-8384
Closed Now
201 NE Park Plaza Dr Suite 242, Vancouver, WA 98684
7

NW Capital Mortgage

NW Capital Mortgage specializes in helping homebuyers in Washington and Oregon access a variety of loan options, including down payment assistance programs unique to each state. The team guides clients through conventional, FHA, VA, USDA, jumbo, and specialty loans, often easing the process with clear communication and timely support. Some clients note the process can feel detailed, but… more...

NW Capital Mortgage specializes in helping homebuyers in Washington and Oregon access a variety of loan options, including down payment assistance programs unique to each state. The team guides clients through conventional, FHA, VA, USDA, jumbo, and specialty loans, often easing the process with clear communication and timely support. Some clients note the process can feel detailed, but appreciate the thorough explanations and local expertise.

View Profile
(360) 281-8325
Closed Now
1498 SE Tech Center Pl Ste 210, Vancouver, WA 98683
8

Northwest Funding Group Inc., NMLS 101770

NorthWest Funding Group Inc., NMLS 101770, offers a wide range of home loan options with personalized service from licensed loan officers. They assist first-time buyers, refinancers, and veterans, providing clear communication and fast pre-approval. Customers often note the team’s responsiveness and helpful guidance throughout the loan process.

Services & Prices
First-Time Homebuyer Loans Quoted per loan
Refinancing Services Quoted per loan
Conventional Loans Quoted per loan
View Profile
(360) 567-0752
Closed Now
12411 SE 2nd Cir, Vancouver, WA 98684
General Services
Home Loan Services
9

NW Funding Group Inc. #49242 Bill Black WA/OR Mortgage Broker

About NW Funding GroupNW Funding Group, led by Bill Black NMLS 49242, is a mortgage planning firm with nearly two decades of experience. Bill Black, a Certified Mortgage Planner (CMP) and Senior Mortgage Broker, has facilitated over 1300 transactions, demonstrating a strong commitment to helping clients achieve their homeownership dreams. The company emphasizes personalized mortgage solutions… more...

About NW Funding GroupNW Funding Group, led by Bill Black NMLS 49242, is a mortgage planning firm with nearly two decades of experience. Bill Black, a Certified Mortgage Planner (CMP) and Senior Mortgage Broker, has facilitated over 1300 transactions, demonstrating a strong commitment to helping clients achieve their homeownership dreams. The company emphasizes personalized mortgage solutions, aiming to align financial goals with mortgage plans for a smooth homebuying journey. They offer a wide range of loan options and are dedicated to providing expert guidance through the complexities of the mortgage process.Credentials & ExpertiseBill Black holds certifications as a Certified Mortgage Planner (CMP) and Senior Mortgage Broker, underscoring his deep expertise in the mortgage industry. His extensive experience, evidenced by over 1300 successful transactions, positions him as a reliable advisor. The company's commitment to client success is reflected in their high customer ratings, with a 5.0 average based on 45 Google reviews. They pride themselves on providing masterclass service, insightful advice, and a streamlined process, ensuring a stress-free home buying experience for their clients.NW Funding Group OffersNW Funding Group provides a comprehensive suite of mortgage services, including options for purchasing and refinancing. Their loan programs encompass Fixed Rate, FHA, VA Loans, Jumbo Loans, Assumable Loans, Adjustable Rate Mortgages (ARM), and DSCR Investor Loans. They also offer specialized solutions such as Self Employed Loans, Bank Statement Loans, Investor Loans, Fix and Flip loans, HELOCs, and FHA Streamline, VA Cash Out, Conventional, and Jumbo refinance programs. They serve clients in Vancouver, Camas, and Ridgefield, Washington, focusing on competitive rates and personalized guidance.Unique AdvantagesNW Funding Group distinguishes itself through its founder's extensive experience, having completed over 1300 transactions. They emphasize a streamlined process, enabling clients to close on homes rapidly, with one review mentioning an 8-day closing and another a 15-day closing strategy. Bill Black's personal availability and commitment, even while on vacation, highlight their dedication to client service. They also offer a wide array of loan programs tailored to diverse financial situations, including specialized options for investors and self-employed individuals.

View Profile
(360) 910-3290
Open 7:00 AM - 10:00 PM
12411 SE 2nd Cir, Vancouver, WA 98684
10

Northwest Funding Group Inc, Corey Schneider NMLS 115600

Northwest Funding Group Inc, licensed under NMLS 115600, specializes in guiding first-time homebuyers through the mortgage process with clear communication and detailed support. The team offers mortgage loans, refinancing, and HELOCs, consistently providing timely answers and practical advice that help clients feel confident and informed.

Services & Prices
First-Time Homebuyer Assistance Quoted per loan
Mortgage Refinancing Quoted per loan
Home Equity Line of Credit (HELOC) Quoted per loan
View Profile
(360) 910-1777
Closed Now
12411 SE 2nd Cir, Vancouver, WA 98684
General Services
Mortgage Services

Vancouver Mortgage Statistics

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

Lenders made 6,160 home-purchase loans in Clark County in 2025 (average about $492,000) and denied 532 — 8% of decided applications, compared with 9% across Washington, according to federal mortgage data (HMDA, CFPB). In Vancouver, the median home is worth $462,400 and 66% of owners have a mortgage, paying a median $2,035 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
6,160▲ 5%5,843 in 2024
Denial rate
8%WA 9%
Median home value
$462,400WA $564,600
Monthly cost with a mortgage
$2,035median · WA $2,445
Refinance loans made (Clark County, 2025)
3,558 · 2,536 in 2024
Home-improvement loans made (2025)
1,504
Average home-purchase loan
$492,000 (WA $564,000)
Owners with a mortgage
66% · 30% of them spend 30%+ of income on housing
Median household income
$81,338 (WA $98,141)

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

How this Vancouver 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 mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and buyer status.
What is the debt-to-income ratio for mortgages in Washington?
Lenders typically cap housing costs at 31% and total debt at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a house in Vancouver, WA?
Conventional first-time buyer loans require at least 3% down; FHA loans need 3.5%. VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect my mortgage in Vancouver?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan annually. It can usually be removed once your loan balance is below 80% of the home's value.
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, so check current rates.
How do my debts impact my mortgage affordability?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of your gross income.
What are property taxes like in Washington?
Property tax in Washington is about 0.74% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, giving a more accurate loan amount. Pre-qualification is an estimate without verification.
How can a mortgage broker help me in Vancouver?
Mortgage brokers connect you with lenders, helping find loan options that suit your needs and financial situation.

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