How much house can you afford in Mesa? 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 |
|---|
Sun American Mortgage Company
5.0 · 989 reviews · Free pre-approval
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AZ Lending Experts, LLC
4.9 · 341 reviews · Free pre-approval
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Fairway Independent Mortgage Corporation
5.0 · 304 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 →
With over 40 years of experience, Sun American Mortgage focuses on making home loans straightforward and fast. They assist with purchase mortgages, refinancing, and construction loans, guiding clients through each step with clear communication. Customers appreciate their responsiveness and personal touch throughout the process.
AZ Lending Experts operates as an independent mortgage broker, comparing rates from multiple lenders to find competitive options for borrowers. They offer a variety of home loan programs, including conventional, FHA, VA, jumbo, and 203K rehab loans, guiding clients through pre-approval to closing. Customers appreciate their clear communication and smooth, responsive service throughout the process.
Fairway Independent Mortgage Corporation is known for providing clear communication and knowledgeable guidance throughout the home loan process. The team offers mortgage options tailored to individual needs, often helping clients navigate without a realtor. Customers appreciate their professionalism and timely updates, though experiences may vary depending on specific loan officers.
Known for its innovative "No Cost Loan" program that covers all closing costs, Starwest Mortgage Corporation offers competitive rates and flexible mortgage options across Arizona, Utah, and Colorado. The team provides clear communication and a straightforward process, with clients appreciating their honesty and personalized guidance throughout refinancing and home purchase transactions.
Echo Home Loans focuses on providing a smooth and efficient mortgage process, often working closely with clients over multiple transactions. The team handles home loans and refinancing with attention to securing competitive rates and clear communication. Customers appreciate their professionalism and responsiveness throughout each step.
Dakota Mortgage Team focuses on clear communication and thorough explanations to simplify the mortgage process. They assist with a range of mortgage needs, including DSCR loans, and are praised for their friendly approach and availability. Some customers note the process moves quickly, which suits those seeking efficiency.
Known for fast loan funding often completed in under 30 days, Discount Mortgage Advisors offers a wide range of mortgage options including purchase loans, refinancing, and specialized products like FHA and VA loans. Clients appreciate the team’s clear communication and thorough guidance throughout the process, making complex financial decisions easier to navigate.
Bonelli Financial Group is known for its attentive and knowledgeable mortgage team that helps clients navigate complex financing options with care and patience. They offer mortgage brokerage services focused on clear communication and support throughout the process. Customers appreciate the team’s responsiveness and thoroughness, though some note the experience can require patience.
AZM Lending stands out for its independent approach, shopping over 50 lenders to find competitive mortgage options tailored to each client. They offer a wide range of loans, including conventional, FHA, VA, USDA, and investment property financing. Customers appreciate the team’s clear communication and responsiveness, though some note the process can feel detailed due to thorough explanations.
Known for their quick responses and trustworthy service, Trusted Lending Center specializes in Conventional and Government loans for home purchases and refinancing. The team guides clients through the mortgage process with clear information and extra support, though some find the process naturally complex. Customers appreciate their helpfulness and dedication throughout each transaction.
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 Mesa, the median home is worth $408,000 and 64% of owners have a mortgage, paying a median $1,843 a month (Census ACS 2020–2024).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Sun American Mortgage Company | 5.0 | 989 | Quoted per loan | (480) 418-9323 | Visit |
| 2 | AZ Lending Experts, LLC | 4.9 | 341 | — | (480) 566-9311 | Visit |
| 3 | Fairway Independent Mortgage Corporation | 5.0 | 304 | — | (480) 406-5678 | Visit |
| 4 | Starwest Mortgage Corporation | 5.0 | 169 | Quoted per loan | (480) 962-5665 | Visit |
| 5 | Echo Home Loans | 5.0 | 153 | Quoted per loan | (480) 773-1870 | Visit |
| 6 | Dakota Mortgage Team | 5.0 | 124 | — | (480) 202-5024 | Visit |
| 7 | Discount Mortgage Advisors | 5.0 | 113 | Quoted per loan | (602) 570-6757 | Visit |
| 8 | Bonelli Financial Group | 5.0 | 99 | Quoted per loan | (800) 266-3554 | Visit |
| 9 | AZM Lending | 5.0 | 87 | Quoted per loan | (623) 233-4335 | Visit |
| 10 | Trusted Lending Center | 5.0 | 81 | Quoted per loan | (480) 400-9884 | 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.