How much house can you afford in Milwaukee? 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.
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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 |
|---|
The Hard Money Co.
4.7 · 248 reviews · Free pre-approval
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Cream City Mortgage
5.0 · 217 reviews · Free pre-approval
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Courtney Bennett NMLS #1992621 Mortgage Loan Originator
5.0 · 96 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 →
Hard Money Co. specializes in fast, short-term bridge loans tailored for real estate investors focused on buying, rehabbing, and flipping distressed properties. Their streamlined process and clear terms help investors move quickly, with direct access to lending specialists who understand the Milwaukee market. Customers appreciate their responsiveness and partnership approach throughout funding.
Cream City Mortgage specializes in a broad range of loan products, including conventional, FHA, VA, jumbo, and investor-focused loans like DSCR and bank statement loans. The team guides clients through financing options with clear communication and responsive support, helping make the mortgage process manageable, though occasional staff absences require smooth handoffs.
Known for combining mortgage expertise with strategic financial insights, this team offers a wide range of loan options including conventional, government-backed, investor, and self-employed programs. Clients appreciate their transparent communication and responsiveness throughout the process, though a few note occasional delays from external parties beyond the team’s control.
American Fidelity Mortgage Services, Inc. is recognized for its personalized approach to home lending, with agents who stay readily available to guide clients through complex mortgage processes. They offer a range of mortgage services and are noted for clear communication and responsiveness, though some clients may experience varying wait times depending on demand.
Known for responsiveness and clear communication, Cream City Mortgage specializes in guiding clients through home financing with a focus on quick closings and personalized support. The team helps borrowers navigate mortgage options while keeping them informed at every step, making the process feel manageable even under tight timelines. Some clients note the high availability can mean frequent… more...
Known for responsiveness and clear communication, Cream City Mortgage specializes in guiding clients through home financing with a focus on quick closings and personalized support. The team helps borrowers navigate mortgage options while keeping them informed at every step, making the process feel manageable even under tight timelines. Some clients note the high availability can mean frequent updates, which suits those who prefer close contact.
Cream City Mortgage specializes in offering a wide range of loan products, including conventional, FHA, VA, jumbo, and investor loans, with no borrower fees and faster-than-average closings. The team guides clients through financing options with clear communication and support, helping make the homebuying process smoother and less stressful.
Wisconsin Wholesale Mortgage is known for its responsive team that guides clients through the mortgage process with clear communication and patience. They specialize in helping first-time homebuyers find lenders that suit their financial needs while making the experience smooth and straightforward. Customers appreciate their helpfulness and consistent follow-up even after closing.
Licensed under NMLS #1132262, this loan officer offers a broad range of mortgage options including conventional, FHA, VA, jumbo, and specialized loans tailored to various financial situations. Clients appreciate clear communication, responsiveness, and guidance through the complexities of home financing, though the process can still feel detailed at times.
Licensed as a mortgage loan officer (NMLS#1273300), this team specializes in guiding first-time homebuyers through their financing options with clear explanations and responsive support. They offer personalized mortgage advice and are known for being approachable and quick to answer questions, helping clients feel confident throughout the process.
Lenders made 8,893 home-purchase loans in Milwaukee County in 2025 (average about $308,000) and denied 1,021 — 10% of decided applications, compared with 9% across Wisconsin, according to federal mortgage data (HMDA, CFPB). In Milwaukee, the median home is worth $184,000 and 65% of owners have a mortgage, paying a median $1,533 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Milwaukee 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 | The Hard Money Co. | 4.7 | 248 | — | (414) 269-5300 | Visit |
| 2 | Cream City Mortgage | 5.0 | 217 | Quoted per loan | (414) 392-5005 | Visit |
| 3 | Courtney Bennett NMLS #1992621 Mortgage Loan Originator | 5.0 | 96 | — | (260) 341-0967 | Visit |
| 4 | American Fidelity Mortgage Services, Inc. | 5.0 | 62 | — | (414) 332-1154 | Visit |
| 5 | Jeremy Leibfried - Cream City Mortgage NMLS #389781 | 5.0 | 20 | Quoted per loan | (414) 628-5127 | — |
| 6 | Blake Early - Cream City Mortgage Loan Officer NMLS#2006223 | 5.0 | 20 | Quoted per loan | (248) 229-7799 | Visit |
| 7 | Wisconsin Wholesale Mortgage | 4.8 | 13 | Quoted per loan | (414) 376-6769 | — |
| 8 | Brandon Carus Loan Officer NMLS #1132262 | 5.0 | 9 | Quoted per loan | (414) 412-4774 | Visit |
| 9 | Ty Fiegel - Cream City Mortgage Loan Officer NMLS#1273300 | 5.0 | 2 | — | (316) 213-1516 | — |
| 10 | Smart Financial Services Inc | 5.0 | 2 | — | (414) 645-4444 | 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.