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Review Keywords Analysis

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

Mortgage Affordability Calculator Gilbert, AZ

How much house can you afford in Gilbert? 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 Gilbert

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

1

MVP FUNDING

MVP Funding specializes in refinancing mortgages to help homeowners lower their monthly payments and improve cash flow. They offer a variety of loan options, including conventional, FHA, and VA loans, with a single point of contact guiding clients through the process. Customers appreciate clear communication and a straightforward approach, though experiences may vary depending on the agent.

Services & Prices
Personal Loans Quoted per loan
Refinancing Quoted per loan
Business Loans Quoted per loan
Fast Funding Quoted per loan
View Profile
(888) 273-9579
Closed Now
275 E Germann Rd, Gilbert, AZ 85297
General Services
Loan Services
2

Jeremy House

Known for clear communication and steady support, Jeremy House’s team guides clients through every step of securing a home loan. They focus on keeping borrowers informed and on track, offering flexible scheduling and prompt responses. Customers appreciate the attentive approach, especially during what can be a stressful process.

Services & Prices
First-Time Home Buyer Loans Quoted per loan
Conventional Home Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(602) 435-2149
Closed Now
2212 E Williams Field Rd #220, Gilbert, AZ 85295
General Services
Home Loan Services
3

Price Mortgage LLC

Known for passing wholesale rates directly to clients with no underwriting, processing, or application fees, Price Mortgage offers a range of home purchase and refinance loans across 33 states. Customers appreciate the team’s clear communication and support throughout the process, though experiences with responsiveness can vary.

Services & Prices
Loan Pre-Approval Quoted per loan
Rate Comparison Service Quoted per loan
View Profile
(480) 428-5220
Closed Now
690 E Warner Rd Ste. 103, Gilbert, AZ 85296
General Services
Mortgage Services
4

Randy Bongard NMLS #832622 - Price Mortgage

With over two decades of real estate and mortgage experience, Randy Bongard at Price Mortgage offers access to a broad range of loan programs, including conventional, FHA, VA, and specialized options for unique financial situations. Clients appreciate the team’s clear communication, responsiveness, and steady guidance throughout what can be a stressful process.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(480) 580-5626
Closed Now
690 E Warner Rd Ste. 103, Gilbert, AZ 85296
General Services
Mortgage Services
5

Jeff Tisdale - Licensed Mortgage Loan Officer

With over three decades of experience and a national Top 1% Mortgage Originator credential, Jeff Tisdale offers personalized mortgage solutions for a variety of needs, including first-time homebuyers and refinancing. Clients appreciate the team’s clear communication and support throughout the loan process, though some find the paperwork involved can be detailed.

Services & Prices
Pre-Approval Services Quoted per loan
View Profile
(425) 260-5893
Closed Now
365 E Germann Rd Ste 301, Gilbert, AZ 85297
General Services
Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Olympus Home Loans | Gilbert

Olympus Home Loans specializes in comparing mortgage options from numerous lenders to help clients find the best rates and savings. They offer a variety of loan programs, including FHA, VA, Conventional, USDA, and Jumbo loans, with a focus on a transparent, data-driven process that aims for quick closings. Customers appreciate the team’s responsiveness and personalized guidance throughout the… more...

Olympus Home Loans specializes in comparing mortgage options from numerous lenders to help clients find the best rates and savings. They offer a variety of loan programs, including FHA, VA, Conventional, USDA, and Jumbo loans, with a focus on a transparent, data-driven process that aims for quick closings. Customers appreciate the team’s responsiveness and personalized guidance throughout the home buying journey.

View Profile
(602) 638-0079
Closed Now
2242 S Osborn Ln, Gilbert, AZ 85295
7

Nikki Hauser: Mortgages By Nikki

Focused on educating and empowering clients, Mortgages By Nikki helps simplify the home buying and refinancing process with personalized consultations and clear guidance. The team offers tools like mortgage calculators and a free home buying guide to break down complex financing details. Customers appreciate the patient, attentive approach, though the process itself can still feel challenging at… more...

Focused on educating and empowering clients, Mortgages By Nikki helps simplify the home buying and refinancing process with personalized consultations and clear guidance. The team offers tools like mortgage calculators and a free home buying guide to break down complex financing details. Customers appreciate the patient, attentive approach, though the process itself can still feel challenging at times.

View Profile
(480) 680-7669
Closed Now
1528 E Williams Field Rd Bldg c ste 201, Gilbert, AZ 85295
8

Kevin Quame - Independent Mortgage Broker with Local Home Loans

Known for guiding clients smoothly through complex mortgage processes, this independent broker offers personalized loan options and quick responses. The team helps find competitive rates and stays communicative, making home buying less stressful. Some clients mention the need to shop around, but most appreciate the attentive service throughout.

View Profile
(480) 457-9552
Open 00:00 - 23:59
2200 E Williams Field Rd Ste 200, Gilbert, AZ 85295
9

Desert State Mortgage

With over 20 years of experience and a veteran-owned background, Desert State Mortgage offers fast pre-approvals and transparent pricing with a single loan officer guiding clients through the process. They provide a range of mortgage options, including VA, FHA, and jumbo loans, and are praised for clear communication and smooth closings.

View Profile
(888) 445-5007
Open 6:00 AM - 9:00 PM
2200 E Williams Field Rd #200, Gilbert, AZ 85295
10

Price Mortgage - Mark Mazzucco Loan Officer

Specializing in credit coaching and down payment assistance for first-time buyers, military, first responders, and teachers, Price Mortgage offers personalized mortgage services including FHA, VA, and jumbo loans. Clients appreciate the clear communication and smooth process, with some noting a patient, supportive approach throughout the loan experience.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(480) 242-5914
Open 00:00 - 23:59
690 E Warner Rd Ste 103, Gilbert, AZ 85296
General Services
Mortgage Brokerage

Gilbert Mortgage Statistics

Home-purchase lending in Maricopa County and home costs in Gilbert, AZ (latest HMDA and Census data)

Lenders made 55,262 home-purchase loans in Maricopa County in 2025 (average about $493,000) and denied 6,296 — 10% of decided applications, compared with 11% across Arizona, according to federal mortgage data (HMDA, CFPB). In Gilbert, the median home is worth $575,100 and 76% of owners have a mortgage, paying a median $2,174 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
55,262▲ 2%54,313 in 2024
Denial rate
10%AZ 11%
Median home value
$575,100AZ $394,500
Monthly cost with a mortgage
$2,174median · AZ $1,803
Refinance loans made (Maricopa County, 2025)
33,966 · 24,769 in 2024
Home-improvement loans made (2025)
10,851
Average home-purchase loan
$493,000 (AZ $432,000)
Owners with a mortgage
76% · 21% of them spend 30%+ of income on housing
Median household income
$122,551 (AZ $79,964)

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

Gilbert Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 MVP FUNDING 4.9 1583 Quoted per loan (888) 273-9579 Visit
2 Jeremy House 5.0 491 Quoted per loan (602) 435-2149 Visit
3 Price Mortgage LLC 4.9 452 Quoted per loan (480) 428-5220 Visit
4 Randy Bongard NMLS #832622 - Price Mortgage 5.0 320 Quoted per loan (480) 580-5626 Visit
5 Jeff Tisdale - Licensed Mortgage Loan Officer 5.0 228 Quoted per loan (425) 260-5893 Visit
6 Olympus Home Loans | Gilbert 5.0 156 — (602) 638-0079 Visit
7 Nikki Hauser: Mortgages By Nikki 5.0 93 — (480) 680-7669 Visit
8 Kevin Quame - Independent Mortgage Broker with Local Home Loans 5.0 80 — (480) 457-9552 Visit
9 Desert State Mortgage 5.0 72 — (888) 445-5007 Visit
10 Price Mortgage - Mark Mazzucco Loan Officer 5.0 69 Quoted per loan (480) 242-5914 Visit

How this Gilbert 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.

Arizona 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 0.43% of the home's value a year, the Arizona 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

10 questions
How does the mortgage affordability calculator for Gilbert work?
The calculator estimates the highest home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status.
What is the debt-to-income ratio for mortgages in Arizona?
Lenders often cap housing costs at 31% of gross income and total debts at 43%, though some loans allow more with strong credit.
What is the minimum down payment for a mortgage in Arizona?
Minimum down payments are 3% for conventional first-time buyer loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How does private mortgage insurance affect my loan?
PMI is added to conventional loans with under 20% down, costing about 0.6% of the loan annually, removable once the balance is below 80%.
How do interest rates affect how much I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford; rates change weekly, affecting affordability.
How do my debts impact the mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt payments in their calculations.
What is the property tax rate in Arizona?
Arizona's property tax is about 0.43% of the home's value annually, based on 2024 averages for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, while pre-qualification is an initial estimate without verification.
How much house can I afford on a 100k salary in Gilbert?
The calculator estimates affordability based on your income, debts, down payment, and interest rate; exact amounts vary by individual circumstances.
What does a mortgage broker do?
A mortgage broker helps you find and apply for loans, comparing options from various lenders to find the best fit for your needs.

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