Know your numberbefore you fall in lovewith the house.
Smart loans, happy homes. Move a few sliders and see an estimated price range you may qualify for — taxes, insurance and DTI included. No signup, no credit pull.
“Start pre-qualification” opens our secure external loan application portal (reachmlo.com). No credit pull to use the calculator.
- 5.0★
- Google rating
- 60 sec
- Affordability check
- $0
- Cost to pre-qualify
- NMLS
- #2701164
Affordability Calculator
What can you actually afford?
Move the sliders. We use a real DTI model with Texas property taxes baked in — not a generic 28% rule.
9.8% down · $732,987 loan
- Principal & interest
- $4,693/mo
- Taxes & insurance (est.)
- $1,457/mo
- Total payment
- $6,150/mo
Opens our secure external application portal (reachmlo.com).
Estimates only — not an application, pre-qualification, commitment, or offer to lend.
See assumptions & disclosures
Assumes a 30-year fixed term, property taxes and insurance estimated at 2.15% of the home price annually, and the debt-to-income ratio you select above.
Actual rate, APR, payment, qualification, taxes, insurance, mortgage insurance, HOA, closing costs, and terms vary based on credit, income, assets, property, occupancy, loan program, and verification.
We do business in accordance with federal fair-lending laws. We make loans without regard to race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or the exercise of any consumer-protection law.
Licensed States
TX (Texas) · OH (Ohio)
Additional states will be added here as licenses are obtained.
LenderNMLS #2701164
Market Rate Indices
Powered by the Optimal Blue Mortgage Market Indices (OBMMI), built from actual locked loans across the country — not survey guesses. Use it as a benchmark, then talk with us about how pricing works for your credit, down payment and property.
Indices update daily. Not a rate offer or commitment to lend.
What these indices mean
These are daily market indices built from actual locked loans — not a rate offer. Your personal rate depends on credit, LTV, property type and loan program.
Four steps. No mystery, no chasing.
Purchase, refinance or cash-out — the path is the same, and you always know what happens next.
- 01
Check affordability
Sixty seconds with the calculator, no credit pull, no email wall.
- 02
Upload once
A single secure checklist. We chase the paperwork, not you.
- 03
Get underwritten
A real underwriter clears income and assets so your offer competes.
- 04
Close on time
Clear-to-close targets are set on day one and tracked to the date.
Purchase · Refinance · Cash-out · FHA, VA, USDA, conventional and jumbo. Tell us the goal and we will match the program.
Start pre-qualificationRated 5.0 by Mana clients
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Numbers-first guides, updated regularly
How Much House Can I Afford in Frisco, TX?
A plain-English breakdown of how lenders calculate what you can afford in Frisco and Collin County, including DTI limits, property taxes and real payment examples.
Read →ProcessThe 7-Day Pre-Qualification Checklist for Texas Buyers
Exactly which documents to gather, what underwriters verify, and how to get a fully underwritten pre-qualification in under a week so your offer competes with cash.
Read →RefinanceShould I Refinance in 2026? A Break-Even Framework
How to decide whether refinancing is worth it using break-even months, blended cost of debt, and cash-out scenarios — with the numbers laid out.
Read →Ask us anything
Prefer to type? Our AI assistant answers instantly, and WhatsApp reaches a human on the team.
Message us on WhatsAppWhat credit score do I need for a mortgage in Texas?
It depends on the loan program and the lender. FHA allows 3.5% down with a credit score of 580 or higher. VA does not set a minimum score of its own. Fannie Mae no longer applies a single 620 minimum to conventional loans run through its Desktop Underwriter system, but many lenders and mortgage insurers still set their own minimums. Higher scores generally mean better pricing.
How fast can Mana Home Loans close?
It depends mostly on the appraisal, title work and how quickly documents come in. Recently, our purchase loans have typically closed within about four weeks of application. We set a target closing date at the start and will tell you up front if your contract date is tight.
Do you charge for a pre-qualification or a rate quote?
No. There is no charge for a pre-qualification or a rate quote, and an initial conversation does not require a credit pull.
Which areas do you serve?
Mana Home Loans is a multi-state mortgage lender and mortgage broker headquartered in Frisco, TX. The states where we are currently licensed are listed at the bottom of every page and on NMLS Consumer Access under company NMLS #2701164.
Ready when you are.
Free pre-qualification, no obligation, and a real person on the other end of the phone.
“Apply now” opens our secure external loan application portal (reachmlo.com).