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.
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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Austin Bates - Licensed Mortgage Loan Officer
5.0 · 417 reviews · Free pre-approval
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Chris Allen - Trusted Mortgage, Inc.
5.0 · 223 reviews · Free pre-approval
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Modern Home Lending
5.0 · 156 reviews · Free pre-approval
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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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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 | 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 |
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.