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Review Keywords Analysis

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

Mortgage Affordability Calculator Mesa, AZ

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.

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 Mesa

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

1

Sun American Mortgage Company

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.

Services & Prices
Conventional Home Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(480) 418-9323
Closed Now
4140 E Baseline Rd Ste 206, Mesa, AZ 85206
General Services
Home Loan Services
2

AZ Lending Experts, LLC

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.

View Profile
(480) 566-9311
Closed Now
114 W Main St Ste 112, Mesa, AZ 85201
3

Fairway Independent Mortgage Corporation

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.

View Profile
(480) 406-5678
Closed Now
5416 E Baseline Rd Ste 220, Mesa, AZ 85206
4

Starwest Mortgage Corporation

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.

Services & Prices
Home Purchase Financing Quoted per loan
Refinancing Services Quoted per loan
Investment Property Financing Quoted per loan
View Profile
(480) 962-5665
Closed Now
1818 E Southern Ave #15c, Mesa, AZ 85204
General Services
Mortgage Services
5

Echo Home Loans

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(480) 773-1870
Closed Now
1910 S Stapley Dr #221, Mesa, AZ 85204
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Dakota Mortgage Team

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.

View Profile
(480) 202-5024
Open 00:00 - 23:59
2913 N Power Rd Ste 108, Mesa, AZ 85215
7

Discount Mortgage Advisors

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.

Services & Prices
Home Purchase Loans Quoted per loan
Home Equity Loans Quoted per loan
Mortgage Refinancing Quoted per loan
Pre-Qualification Letters Quoted per loan
View Profile
(602) 570-6757
Open 7:00 AM - 7:00 PM
5304 E Southern Ave #106, Mesa, AZ 85206
General Services
Mortgage Services
8

Bonelli Financial Group

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.

Services & Prices
Pre-Approval Process Quoted per loan
View Profile
(800) 266-3554
Closed Now
136 W Main St #101, Mesa, AZ 85201
General Services
Mortgage Services
9

AZM Lending

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(623) 233-4335
Closed Now
1058 N Higley Rd Ste 205, 2nd Floor, Mesa, AZ 85205
General Services
Mortgage Lending
10

Trusted Lending Center

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.

Services & Prices
First-time Home Buyer Assistance Quoted per loan
Home Loan Counseling Quoted per loan
Property Value Assessment Quoted per loan
Loan Modification Services Quoted per loan
View Profile
(480) 400-9884
Closed Now
3514 N Power Rd Ste 128, Mesa, AZ 85215
General Services
Home Purchase Services

Mesa Mortgage Statistics

Home-purchase lending in Maricopa County and home costs in Mesa, 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 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).

Home-purchase loans, 2025
55,262▲ 2%54,313 in 2024
Denial rate
10%AZ 11%
Median home value
$408,000AZ $394,500
Monthly cost with a mortgage
$1,843median · 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
64% · 26% of them spend 30%+ of income on housing
Median household income
$82,752 (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.

Mesa Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Mesa 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 Mesa mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes mortgage, PMI, and property tax.
How accurate is a mortgage affordability calculator for Mesa, AZ?
It's a general estimate. Pre-approval confirms the real number after verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages in Arizona?
Lenders often cap housing costs at 31% of gross income and total debt at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a home in Mesa?
Conventional loans require at least 3% for first-time buyers, 3.5% for FHA loans; VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Arizona?
If your down payment is under 20%, PMI adds about 0.6% of the loan annually. It can usually be removed once the loan balance is below 80% of the home's value.
How do interest rates affect what I can afford in Mesa?
Higher rates increase monthly payments, reducing the maximum home price you can afford. Rates change weekly.
How do debts impact my mortgage qualification in Arizona?
Higher monthly debts reduce the amount you can borrow since lenders cap total debt payments at about 43% of gross income.
What are property taxes like in Mesa, Arizona?
Property tax is about 0.43% of the home's value annually, based on the 2024 Arizona average for owner-occupied homes.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, while pre-qualification is a preliminary estimate without verification.
What does a mortgage broker do in Mesa?
A broker helps find and negotiate mortgage loans by comparing different lenders' offers to find the best terms for you.

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