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Review Keywords Analysis

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

Mortgage Affordability Calculator Phoenix, AZ

How much house can you afford in Phoenix? 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 Phoenix

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

1

Home Loans by Paige: Paige Martinez, Mortgage Broker

Verified

With extensive experience across every stage of the home loan process, Home Loans by Paige offers clear communication and reliable support from application to closing. The team handles purchase and refinance loans, guiding clients patiently and keeping them informed. Customers appreciate the smooth process and timely closings, though some note the thoroughness can require patience.

Services & Prices
Home Purchase Loans, Refinancing, Cash-Out Refinancing)
Application Assistance, Loan Rate Negotiation)
Electronic Signature Setup, Online Loan Portal Access, Remote Notary Services)
View Profile
(602) 448-4470
Open 8:00 AM - 9:00 PM
3420 E Shea Blvd #200, Phoenix, AZ 85028, USA
General Services
Home Loans
2

Home1st Financial Inc

Verified

Home1st Financial Inc focuses on helping both new homebuyers and investors understand and navigate mortgage options with clear explanations and a free pre-approval letter. The team assists with purchase loans and refinancing, often noted for their communication and professionalism, though some clients have experienced delays and difficulty reaching staff during busy periods.

Services & Prices
Prequalification, Home Loans)
Mortgage Rate Reduction, Cash-Out Refinance, Debt Consolidation)
View Profile
Open 7:00 AM - 7:00 PM
10000 31st Ave # D410, Phoenix, AZ 85051, USA
General Services
Home Purchasing
3

Agave Home Loans

Agave Home Loans focuses on clear communication and honest advice throughout the mortgage process. The team offers home purchase and refinancing loans, guiding clients step-by-step while keeping them well informed. Customers appreciate their fast turnaround and straightforward approach, though some note the company is relatively new.

Services & Prices
New Home Purchase Quoted per loan
Home Refinance Quoted per loan
Cash-Out Refinance Quoted per loan
View Profile
(833) 316-3170
Open 7:00 AM - 6:00 PM
7776 S Pointe Pkwy E Ste 100,Phoenix, AZ 85044
General Services
Home Loans
4

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation handles all mortgage steps locally in Phoenix, offering both brokerage and banking services to help find the right loan program. The team is known for clear communication and responsiveness throughout the process, guiding clients smoothly from pre-qualification to closing. Some customers note the process can be fast-paced but appreciate the thorough… more...

Fairway Independent Mortgage Corporation handles all mortgage steps locally in Phoenix, offering both brokerage and banking services to help find the right loan program. The team is known for clear communication and responsiveness throughout the process, guiding clients smoothly from pre-qualification to closing. Some customers note the process can be fast-paced but appreciate the thorough updates.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Pre-Qualification Quoted per loan
View Profile
(602) 265-5626
Open 8:30 AM - 5:00 PM
100 W Portland St Unit 106,Phoenix, AZ 85003
General Services
Mortgage Services
5

Road to Home Mortgage, LLC

Road to Home Mortgage focuses on simplifying the mortgage process for first-time buyers and homeowners, aiming to make each step clear and manageable. The team assists with home purchases and refinancing, often noted for their responsiveness and guidance throughout the process. Some clients mention occasional delays but appreciate the transparent communication.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinance Mortgage Quoted per loan
VA Loan Quoted per loan
Pre-Qualification Quoted per loan
View Profile
(602) 888-7990
Open 00:00 - 23:59
7220 N 16th St Ste A Unit 1,Phoenix, AZ 85020
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Signature Home Loans Presents The Mortgage Brothers Team

Known for their deep roots in Phoenix real estate and over 18 years of local experience, Signature Home Loans Presents The Mortgage Brothers Team specializes in helping clients secure mortgages with clear communication and personalized attention. They assist with a range of loan options and are often praised for their responsiveness and ability to simplify the process, though some clients note… more...

Known for their deep roots in Phoenix real estate and over 18 years of local experience, Signature Home Loans Presents The Mortgage Brothers Team specializes in helping clients secure mortgages with clear communication and personalized attention. They assist with a range of loan options and are often praised for their responsiveness and ability to simplify the process, though some clients note the fast pace can feel intense.

Services & Prices
Home Purchase Loans Quoted per loan
VA Loans Quoted per loan
First-Time Home Buyer Loans Quoted per loan
Cash-Out Refinancing Quoted per loan
View Profile
(602) 535-2171
Open 8:00 AM - 5:30 PM
1599 E Orangewood Ave Suite 200, Phoenix, AZ 85020, USA
General Services
Mortgage Services
7

Orion Mortgage Corporation

Orion Mortgage Corporation has built its business on client referrals over 18 years, focusing on clear communication throughout the mortgage process. The team assists with mortgage loans, refinancing, and keeps clients informed every step of the way. Customers appreciate their professionalism and responsiveness, though some note occasional delays linked to the lending bank’s requirements.

Services & Prices
Mortgage Financing Quoted per loan
Refinancing Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(602) 912-0222
Open 8:00 AM - 5:00 PM
11120 N Tatum Blvd #100, Phoenix, AZ 85028, USA
General Services
Mortgage Services
8

NOVA® Home Loans - Phoenix Office

NOVA® Home Loans is known for transparent communication and responsive service, making the mortgage process smoother for first-time buyers and refinancers alike. Their team offers a range of flexible loan options, including VA loans, and is often praised for clear guidance and quick closings. Some clients note occasional delays but appreciate the overall support.

Services & Prices
First-Time Home Buyer Loan Quoted per loan
VA Loan Quoted per loan
Conventional Loan Quoted per loan
Cash-Out Refinance Quoted per loan
View Profile
(602) 224-4840
Open 8:00 AM - 5:00 PM
3900 E Camelback Rd #200, Phoenix, AZ 85018, USA
General Services
Home Loan Services
9

Desert Springs Mortgage, LLC

Desert Springs Mortgage specializes in simplifying the mortgage process for buyers and those refinancing homes across several states, including Arizona and California. The team guides clients through loan options with clear explanations and timely communication, helping to reduce the usual stress involved. Some find the overall financing process still somewhat complex, but appreciate the support… more...

Desert Springs Mortgage specializes in simplifying the mortgage process for buyers and those refinancing homes across several states, including Arizona and California. The team guides clients through loan options with clear explanations and timely communication, helping to reduce the usual stress involved. Some find the overall financing process still somewhat complex, but appreciate the support provided.

Services & Prices
Home Purchase Loans Quoted per loan
Mortgage Refinancing Quoted per loan
Pre-qualification Services Quoted per loan
View Profile
(623) 432-1309
Open 8:30 AM - 5:00 PM
2415 E Camelback Rd suite 700 office 772, Phoenix, AZ 85016, USA
General Services
Mortgage Services
10

Jamison Rich Mortgage

Known for responsive, around-the-clock communication, Jamison Rich Mortgage assists clients with home loans and refinancing at competitive rates and low fees. The team supports buyers through every step, including complex purchases and out-of-state transactions, with clear explanations and timely document handling. Some clients note the fast pace can feel intense but appreciate the… more...

Known for responsive, around-the-clock communication, Jamison Rich Mortgage assists clients with home loans and refinancing at competitive rates and low fees. The team supports buyers through every step, including complex purchases and out-of-state transactions, with clear explanations and timely document handling. Some clients note the fast pace can feel intense but appreciate the straightforward approach.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(602) 888-7191
Open 8:00 AM - 5:00 PM
11034 N 23rd Dr Ste 107 Room 2,Phoenix, AZ 85029
General Services
Home Loan Services

Latest reviews of Phoenix Mortgage Brokers

Written on TrustAnalytica by clients of the businesses in this list
  • Karen H.

    We couldn't be more thrilled with the service we received from Agave home loans. I was surprised to learn that this is a new company as the service we received was superior to that of any company we've worked with in the past. We were fortunate enough to work with Zaid and Ruben and let me tell you…

Phoenix Mortgage Statistics

Home-purchase lending in Maricopa County and home costs in Phoenix, 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 Phoenix, the median home is worth $420,700 and 67% of owners have a mortgage, paying a median $1,847 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
$420,700AZ $394,500
Monthly cost with a mortgage
$1,847median · 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
67% · 26% of them spend 30%+ of income on housing
Median household income
$81,332 (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.

Phoenix Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Home Loans by Paige: Paige Martinez, Mortgage Broker 5.0 100 — (602) 448-4470 Visit
2 Home1st Financial Inc 5.0 92 — — Visit
3 Agave Home Loans 5.0 104 Quoted per loan (833) 316-3170 Visit
4 Fairway Independent Mortgage Corporation 5.0 101 Quoted per loan (602) 265-5626 Visit
5 Road to Home Mortgage, LLC 5.0 100 Quoted per loan (602) 888-7990 Visit
6 Signature Home Loans Presents The Mortgage Brothers Team 5.0 100 Quoted per loan (602) 535-2171 Visit
7 Orion Mortgage Corporation 4.9 100 Quoted per loan (602) 912-0222 Visit
8 NOVA® Home Loans - Phoenix Office 5.0 89 Quoted per loan (602) 224-4840 Visit
9 Desert Springs Mortgage, LLC 5.0 47 Quoted per loan (623) 432-1309 Visit
10 Jamison Rich Mortgage 5.0 47 Quoted per loan (602) 888-7191 Visit

How this Phoenix 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 Phoenix 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 PMI and property tax.
What is the debt-to-income ratio for Arizona mortgages?
Lenders often cap housing costs at 31% of gross monthly income and total debts at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a home in Phoenix?
Conventional loans require at least 3% down for first-time buyers; FHA loans need 3.5%. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect mortgage affordability in Arizona?
Higher rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% as of October 2026, but change weekly.
How does existing debt impact how much I can borrow for a home?
More debt reduces the mortgage amount you can qualify for, as lenders consider total debt payments in the 43% debt-to-income cap.
What is the property tax rate for homes in Phoenix, AZ?
Arizona's property tax is about 0.43% of the home's value annually, based on the 2024 average for owner-occupied homes.
What’s the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, credit, and down payment, providing a more accurate estimate than pre-qualification.
Do I need private mortgage insurance (PMI) in Phoenix?
If your down payment is under 20% on a conventional loan, PMI is required. It’s about 0.6% of the loan annually and can be removed once the loan balance is below 80% of the home's value.
What role does a mortgage broker play in Phoenix?
A mortgage broker helps find loan options and rates, but they don’t approve loans. They guide you through the mortgage process.

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