×

Review Keywords Analysis

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

Mortgage Affordability Calculator Scottsdale, AZ

How much house can you afford in Scottsdale? 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 Scottsdale

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

1

Austin Bates - Licensed Mortgage Loan Officer

Licensed mortgage loan officers at this team guide clients through every step of the loan process with clear communication and responsiveness. They offer mortgage loan services designed to make financing straightforward and timely. Customers appreciate the friendly, informative approach, though some note the fast pace may feel brisk.

View Profile
(480) 529-6254
Closed Now
9221 East Vía de Ventura, Scottsdale, AZ 85258
2

Chris Allen - Trusted Mortgage, Inc.

Known for their thoroughness and responsiveness, Chris Allen - Trusted Mortgage, Inc. guides clients through every step of the mortgage process, from pre-approval to closing. The team is praised for clear communication and timely updates, helping first-time buyers and experienced clients feel confident throughout their home purchase or refinance.

Services & Prices
Pre-Approval Quoted per loan
Home Purchase Financing Quoted per loan
Refinancing Quoted per loan
View Profile
(425) 591-3471
Open 00:00 - 23:59
7621 E Rose Garden Ln, Scottsdale, AZ 85255
General Services
Mortgage Services
3

Modern Home Lending

Modern Home Lending stands out by comparing loan options from over 40 lenders to find competitive rates and terms, often closing loans in as little as two weeks. They offer services for home purchases, refinancing, and HELOCs, with a focus on clear communication and low fees. Customers appreciate their responsiveness and straightforward guidance throughout the process.

Services & Prices
Home Loan Assistance Quoted per loan
HELOC Loans Quoted per loan
View Profile
(480) 598-8700
Open 00:00 - 23:59
4250 N Drinkwater Blvd Ste 300, Scottsdale, AZ 85251
General Services
Mortgage Brokerage
4

Ryan Spencer - AZ Mortgage Group LLC - Mortgage Broker

AZ Mortgage Group LLC focuses on clear communication and a straightforward mortgage process, making it easier for first-time homebuyers and repeat clients alike. The team handles purchases and refinances, keeping customers informed at every step. While the process is smooth and timely, some may find the detailed explanations a bit lengthy.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(602) 738-9500
Closed Now
7010 E Acoma Dr Ste 101, Scottsdale, AZ 85254
General Services
Mortgage Services
5

AZ Mortgage Broker, LLC

With over 20 years of experience, AZ Mortgage Broker, LLC focuses on providing personalized attention and clear communication throughout the mortgage process. They offer a variety of loan options including conventional, FHA, VA, jumbo loans, and refinancing, along with Arizona-specific services like divorce planning. Clients appreciate the team’s thoroughness and support, which helps ease the… more...

With over 20 years of experience, AZ Mortgage Broker, LLC focuses on providing personalized attention and clear communication throughout the mortgage process. They offer a variety of loan options including conventional, FHA, VA, jumbo loans, and refinancing, along with Arizona-specific services like divorce planning. Clients appreciate the team’s thoroughness and support, which helps ease the stress of home financing.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinance Mortgage Quoted per loan
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
View Profile
(602) 930-2529
Closed Now
9375 E Shea Blvd Ste 261, Scottsdale, AZ 85260
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Nolan Mortgage: Scott Nolan, Mortgage Broker

Known for clear communication and timely loan closings, Nolan Mortgage helps clients navigate home purchases and refinancing with personalized support. The team works with first-time buyers, move-up buyers, and investors, offering competitive rates and guidance to simplify complex mortgage steps. Customers appreciate the professional, organized approach throughout the process.

Services & Prices
Conventional Home Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate-and-Term Refinance Quoted per loan
View Profile
(480) 443-2500
Closed Now
7373 E Doubletree Ranch Rd Unit 200, Scottsdale, AZ 85258
General Services
Home Loan Services
7

Adam Hawkins - Mortgage Broker

Known for clear guidance and responsiveness, Adam Hawkins helps clients navigate home loans with patience and professionalism. The team offers personalized mortgage options and support throughout the process, making it easier for first-time buyers and others to secure affordable financing. Customers appreciate the friendly, attentive service and timely communication.

Services & Prices
First-Time Homebuyer Loans Quoted per loan
Refinancing Services Quoted per loan
View Profile
(480) 789-3985
Closed Now
7825 E Gelding Dr #102, Scottsdale, AZ 85260
General Services
Home Loan Services
8

Expert Mortgage Financing LLC

Expert Mortgage Financing LLC focuses on educating clients to help them make informed mortgage decisions, offering a range of loan options from first-time homebuyer programs to refinancing and investment property loans. The team is praised for clear communication and personalized service, though some may find their hands-on approach more involved than other brokers.

View Profile
(602) 677-5859
Closed Now
10388 E Wood Dr, Scottsdale, AZ 85260
9

AZ Loan Help — Mortgage Broker Scottsdale

AZ Loan Help focuses on securing mortgage approvals when traditional banks may decline, offering personal, residential, and commercial loan options. Their team guides clients through home purchases and refinancing with clear explanations and responsive support. Customers appreciate the thorough communication and personalized approach, though timely document submission is key to keeping the… more...

AZ Loan Help focuses on securing mortgage approvals when traditional banks may decline, offering personal, residential, and commercial loan options. Their team guides clients through home purchases and refinancing with clear explanations and responsive support. Customers appreciate the thorough communication and personalized approach, though timely document submission is key to keeping the process moving smoothly.

Services & Prices
Pre-Qualification Quoted per loan
Rate Comparison Quoted per loan
Closing Coordination Quoted per loan
FHA Loans Quoted per loan
View Profile
(480) 228-1089
Open 7:00 AM - 7:00 PM
8767 East Vía de Ventura Suite 120, Scottsdale, AZ 85258
General Services
Mortgage Services
10

Arizona Lending Group

Known for a straightforward and responsive approach, Arizona Lending Group helps clients with mortgage loans and refinancing. The team guides borrowers through each step, aiming to make the process clear and manageable. Customers appreciate their professionalism and helpful communication throughout.

Services & Prices
Mortgage Loans Quoted per loan
Refinancing Quoted per loan
Home Equity Loans Quoted per loan
View Profile
(480) 788-2541
Open 7:00 AM - 9:00 PM
7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251
General Services
Mortgage Services

Scottsdale Mortgage Statistics

Home-purchase lending in Maricopa County and home costs in Scottsdale, 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 Scottsdale, the median home is worth $789,800 and 60% of owners have a mortgage, paying a median $2,577 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
$789,800AZ $394,500
Monthly cost with a mortgage
$2,577median · 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
60% · 31% of them spend 30%+ of income on housing
Median household income
$110,886 (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.

Scottsdale Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Austin Bates - Licensed Mortgage Loan Officer 5.0 417 — (480) 529-6254 Visit
2 Chris Allen - Trusted Mortgage, Inc. 5.0 223 Quoted per loan (425) 591-3471 Visit
3 Modern Home Lending 5.0 156 Quoted per loan (480) 598-8700 Visit
4 Ryan Spencer - AZ Mortgage Group LLC - Mortgage Broker 5.0 149 Quoted per loan (602) 738-9500 Visit
5 AZ Mortgage Broker, LLC 5.0 114 Quoted per loan (602) 930-2529 Visit
6 Nolan Mortgage: Scott Nolan, Mortgage Broker 5.0 109 Quoted per loan (480) 443-2500 Visit
7 Adam Hawkins - Mortgage Broker 5.0 92 Quoted per loan (480) 789-3985 Visit
8 Expert Mortgage Financing LLC 5.0 75 — (602) 677-5859 Visit
9 AZ Loan Help — Mortgage Broker Scottsdale 5.0 60 Quoted per loan (480) 228-1089 Visit
10 Arizona Lending Group 5.0 40 Quoted per loan (480) 788-2541 Visit

How this Scottsdale 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 mortgage affordability calculator for Scottsdale work?
The calculator estimates the highest home price you can qualify for based on your income, debts, down payment, interest rate, and other factors.
How accurate is the Scottsdale mortgage calculator?
The calculator gives an estimate. A pre-approval from a lender confirms the real number by verifying your income, debts, credit, and down payment.
What is the debt-to-income ratio for Arizona mortgages?
Lenders generally cap housing costs at 31% of gross monthly income and total debt payments at 43%, though some loans may allow more with strong credit.
What is the minimum down payment for a home in Scottsdale?
Minimum down payments are 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans can allow 0% down for eligible buyers.
How does PMI affect my mortgage in Arizona?
If your down payment is under 20%, conventional loans add private mortgage insurance (PMI), about 0.6% of the loan annually. It can usually be removed once the balance is below 80% of the home's value.
How do interest rates impact what I can afford in Scottsdale?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do debts affect my mortgage qualification in Arizona?
Higher monthly debts reduce the amount you can borrow. Lenders cap total debt payments at about 43% of gross monthly income.
What are property taxes like in Scottsdale, Arizona?
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 pre-approval and pre-qualification?
Pre-approval confirms your borrowing power after verifying income, debts, and credit. Pre-qualification is a preliminary estimate without verification.
What does a mortgage broker do in Scottsdale?
A mortgage broker connects homebuyers with lenders, helping find loans that fit their needs. They guide through the mortgage process but don't lend money themselves.

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