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

How much house can you afford in Peoria? 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 Peoria

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

1

Reasy Financial

With a combined team experience exceeding 175 years, Reasy Financial offers a broad range of mortgage options tailored to first-time buyers, refinancers, and home purchasers. The agents guide clients through every step, from goal analysis to loan execution, with clear communication and personalized attention. Some clients note the process can take time, but most appreciate the thorough… more...

With a combined team experience exceeding 175 years, Reasy Financial offers a broad range of mortgage options tailored to first-time buyers, refinancers, and home purchasers. The agents guide clients through every step, from goal analysis to loan execution, with clear communication and personalized attention. Some clients note the process can take time, but most appreciate the thorough explanations and steady support.

Services & Prices
Fixed-Rate Mortgages Quoted per loan
Adjustable-Rate Mortgages Quoted per loan
FHA Loans Quoted per loan
View Profile
(623) 352-8910
Closed Now
14100 N 83rd Ave Ste B-230, Peoria, AZ 85381
General Services
Home Loans
2

Jeremy Strunk (NMLS#204595)

Licensed across several states, this mortgage originator offers a broad range of loan options including VA, FHA, USDA, Conventional, and Jumbo loans. The team guides clients through buying, refinancing, and investment financing with clear communication and thorough education. Customers appreciate the consistent support and responsiveness throughout the process.

Services & Prices
Home Loan Application Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(602) 743-2864
Open 00:00 - 23:59
28451 N Vistancia Blvd Suite D103-1, Peoria, AZ 85383
General Services
Real Estate Financing
3

Brandon Hendrick - V.I.P. Mortgage, Inc.

Licensed in over 47 states, V.I.P. Mortgage, Inc. combines technology with personalized service to support homebuyers through purchase, refinancing, and specialized loan programs. The team is known for clear communication and proactive problem-solving, helping clients navigate challenges smoothly from application to closing.

Services & Prices
Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
Pre-Qualification Quoted per loan
View Profile
(602) 290-5113
Closed Now
7747 W Deer Valley Rd Ste 240, Peoria, AZ 85382
General Services
Mortgage Services
4
View Profile
(602) 881-5746
Closed Now
16150 N Arrowhead Fountains Center Dr Suite 300, Peoria, AZ 85382
5

Price Team Lending

Specializing in mortgage solutions for veterans and first responders, Price Team Lending offers a range of loan options including VA, FHA, and jumbo loans. Clients appreciate the team’s thorough communication and persistence throughout the process, though some note the effort involved can be time-consuming. Their quick qualification tool helps simplify home financing decisions.

View Profile
(623) 889-7925
Closed Now
13795 W Creosote Dr, Peoria, AZ 85383
Where they are 10 on the map Click a pin for the profile and directions
6

Zeke Mortgage LLC

Known for guiding clients through a wide range of loan options—including FHA, VA, USDA, Jumbo, and investor loans—Zeke Mortgage offers personalized mortgage and refinance solutions. The team is praised for clear communication and responsiveness, helping borrowers feel informed and supported throughout the process. Occasionally, external factors beyond their control can affect timing.

Services & Prices
Home Loan Assistance Quoted per loan
Loan Pre-Approval Quoted per loan
Rate Lock Services Quoted per loan
View Profile
(602) 741-0142
Open 7AM - 9PM
14050 N 83rd Ave UNIT 290, Peoria, AZ 85381
General Services
Mortgage Services
7

David Krushinsky - Mortgage Broker - Reasy Financial LLC

Known for clear communication and personalized support, DK Home Loans specializes in guiding clients through a variety of mortgage options, including VA and renovation loans. The team handles complex deals with professionalism and is especially patient with first-time buyers, helping make the mortgage process straightforward and manageable.

Services & Prices
VA Loan Quoted per loan
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
View Profile
(602) 456-2195
Closed Now
8282 W Cactus Rd e146, Peoria, AZ 85381
General Services
Home Loan Services
8

Joe Hansen | Mortgage Broker at Precision Mortgage

With over 20 years of experience, Precision Mortgage specializes in matching clients with home loans that fit their unique needs by shopping multiple lenders for competitive rates. The team handles everything from VA and FHA loans to refinancing and down payment assistance, with clients appreciating their clear communication and smooth process.

Services & Prices
Home Loan Quoted per loan
Refinance Quoted per loan
Second Home Loan Quoted per loan
View Profile
(480) 239-7766
Open 7:30 AM - 9:00 PM
14155 N 83rd Ave Unit 125, Peoria, AZ 85381
General Services
Mortgage Services
9

Jennifer Gokool | Castle & Cooke Mortgage

About Castle & Cooke MortgageCastle & Cooke Mortgage, established in 1995, is a reputable mortgage lending company dedicated to helping individuals and families achieve homeownership. With over 25 years of experience, the company has built a strong foundation based on integrity, compassion, and expertise. Their mission is to provide exceptional service and guidance throughout the mortgage… more...

About Castle & Cooke MortgageCastle & Cooke Mortgage, established in 1995, is a reputable mortgage lending company dedicated to helping individuals and families achieve homeownership. With over 25 years of experience, the company has built a strong foundation based on integrity, compassion, and expertise. Their mission is to provide exceptional service and guidance throughout the mortgage process, ensuring a smooth and positive experience for every client. Castle & Cooke Mortgage prides itself on its knowledgeable team, commitment to ethical practices, and a deep understanding of the diverse needs of homebuyers. They strive to be a trusted partner, offering personalized solutions and support to make the dream of homeownership a reality.Credentials & ExpertiseCastle & Cooke Mortgage is recognized for its industry expertise and commitment to excellence. Jennifer Gokool, a Branch Manager and Loan Originator, has over 25 years of experience in the mortgage business and has received annual top producer awards. The company is licensed in multiple states, including Arizona, Alabama, Arkansas, California, Indiana, Missouri, Tennessee, and Texas, demonstrating a broad reach and compliance with various state regulations. They are also recognized as being in the top 1% of mortgage loan originators nationwide for VA loans. Their affiliation with Homes for Heroes further highlights their dedication to serving the community and providing valuable assistance to heroes.OfferingsCastle & Cooke Mortgage offers a comprehensive suite of mortgage products and services designed to meet the needs of a wide range of borrowers. They specialize in assisting first-time homebuyers with programs like the Home Plus and Home in 5 Down Payment Assistance Programs, which help overcome the challenges of down payments and closing costs. For veterans and military families, they provide dedicated VA home loan services, leveraging their expertise to ensure a seamless process. Additionally, they offer Jumbo and investor loans for those seeking properties beyond traditional financing, as well as options for refinancing, cash-out loans, and second homes. Their services are tailored to provide flexible and accessible solutions for various homeownership goals.Unique AdvantagesCastle & Cooke Mortgage distinguishes itself through its extensive experience, with over 25 years in the mortgage industry. They are particularly noted for their strong commitment to supporting veterans and military families through specialized VA loan programs. The company actively participates in community initiatives, such as the Homes for Heroes program, offering significant savings to heroes. Furthermore, they provide personalized credit analysis and down payment assistance programs, making homeownership more attainable for a broader segment of the population.

View Profile
(602) 486-3363
Closed Now
9051 W Kelton Ln #3, Peoria, AZ 85382
10

Castle & Cooke Mortgage

Castle & Cooke Mortgage offers a wide range of loan programs, including down payment assistance, designed to support clients at every stage of homeownership. Their team guides borrowers through a straightforward application process with timely underwriting, helping make refinancing, buying, or renovating a home more manageable. Customers appreciate the clear communication and personal attention… more...

Castle & Cooke Mortgage offers a wide range of loan programs, including down payment assistance, designed to support clients at every stage of homeownership. Their team guides borrowers through a straightforward application process with timely underwriting, helping make refinancing, buying, or renovating a home more manageable. Customers appreciate the clear communication and personal attention throughout the loan journey.

View Profile
(704) 918-8361
Closed Now
9051 W Kelton Ln #3, Peoria, AZ 85382

Peoria Mortgage Statistics

Home-purchase lending in Maricopa County and home costs in Peoria, 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 Peoria, the median home is worth $463,600 and 68% of owners have a mortgage, paying a median $1,958 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
$463,600AZ $394,500
Monthly cost with a mortgage
$1,958median · 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
68% · 23% of them spend 30%+ of income on housing
Median household income
$95,815 (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.

Peoria Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Reasy Financial 5.0 662 Quoted per loan (623) 352-8910 Visit
2 Jeremy Strunk (NMLS#204595) 5.0 353 Quoted per loan (602) 743-2864 Visit
3 Brandon Hendrick - V.I.P. Mortgage, Inc. 5.0 247 Quoted per loan (602) 290-5113 Visit
4 Jimmy Arteca | Fairway Independent Mortgage Corporation Senior Loan Officer 5.0 152 — (602) 881-5746 Visit
5 Price Team Lending 5.0 96 — (623) 889-7925 Visit
6 Zeke Mortgage LLC 5.0 92 Quoted per loan (602) 741-0142 Visit
7 David Krushinsky - Mortgage Broker - Reasy Financial LLC 4.9 81 Quoted per loan (602) 456-2195 Visit
8 Joe Hansen | Mortgage Broker at Precision Mortgage 5.0 70 Quoted per loan (480) 239-7766 Visit
9 Jennifer Gokool | Castle & Cooke Mortgage 5.0 43 — (602) 486-3363 Visit
10 Castle & Cooke Mortgage 5.0 35 — (704) 918-8361 Visit

How this Peoria 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

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on your income, debts, down payment, and interest rate. It includes principal, interest, PMI, and property tax.
What is the debt-to-income ratio for mortgages in Arizona?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%.
What is the minimum down payment for a mortgage in Peoria, AZ?
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 for eligible buyers.
How does PMI affect my mortgage in Peoria?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan per year. It can usually be removed once the balance falls below 80% of the home's value.
How do interest rates impact mortgage affordability in Arizona?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly, so check current rates regularly.
How do debts affect the mortgage amount I can qualify for?
Higher monthly debt payments reduce the mortgage amount you can qualify for since lenders cap total debt payments at 43% of gross monthly income.
What is the property tax rate in Peoria, AZ?
Property tax is about 0.43% of the home's value per year in Arizona, based on the 2024 average for owner-occupied homes.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves verifying your income, debts, credit, and down payment, providing a more accurate estimate. Pre-qualification is a preliminary assessment without verification.
Can I use this calculator to estimate how much house I can afford on a $100k salary in Peoria?
Yes, input your salary, debts, and other details to estimate the home price you might qualify for, considering local taxes and PMI.

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