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.
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 |
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Home Loans by Paige: Paige Martinez, Mortgage BrokerVerified
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
Home1st Financial IncVerified
5.0 · 92 reviews · Free pre-approval
Get pre-approved →
Agave Home Loans
5.0 · 104 reviews · Free pre-approval
Get pre-approved →
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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…
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).
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 | 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 |
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.