How much house can you afford in Tucson? 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 |
|---|
The Polder Group at CrossCountry Mortgage
4.9 · 1312 reviews · Free pre-approval
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NOVA Home Loans
4.9 · 1170 reviews · Free pre-approval
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NOVA Home Loans
5.0 · 546 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 →
The Polder Group specializes in purchase loans, VA financing, refinancing, and pre-approval strategies tailored to the Tucson and Southern Arizona housing market. Their team is known for proactive communication and helping clients navigate the mortgage process smoothly, though some note occasional gaps in updates. Customers appreciate their availability and clear guidance throughout.
Known for responsive communication and clear guidance, NOVA Home Loans helps clients navigate mortgage options with ease. The team offers personalized loan services and keeps borrowers informed throughout the process. Customers appreciate their availability and professionalism, though some note the process can take time.
Known for its local mortgage expertise and personalized guidance, NOVA Home Loans helps clients navigate purchase and refinance loans with a streamlined, transparent process. The team offers specialized programs like temporary interest buydowns and continues support even after closing. Customers appreciate their responsiveness and smooth communication throughout the loan journey.
Licensed in over 47 states, this mortgage team specializes in guiding first-time buyers and repeat clients through home purchases and refinancing with clear communication and personalized support. Customers appreciate their responsiveness and ability to handle challenges smoothly, making the mortgage process feel manageable even when unexpected delays arise.
CrossCountry Mortgage is known for its personalized service and efficient mortgage processes, especially for first-time buyers, refinances, and investment properties. The team offers a variety of loan options and keeps clients well-informed throughout, making the complex mortgage journey smoother and more understandable. Customers appreciate their clear communication and genuine care.
Mike Omie | Home Loans is known for completing transactions ahead of schedule while offering competitive pricing tailored to each client’s needs. The team provides access to a wide range of loan programs and investors, guiding customers through home purchases and refinancing with clear communication. Clients appreciate their responsiveness and ability to simplify a complex process.
Known as a "Top 1% Mortgage Originator in America," this team offers home lending services focused on education and personalized loan solutions. Clients appreciate clear communication and guidance throughout buying or refinancing, often noting the smooth process and helpful resources, though some may find the holistic approach unique compared to typical lenders.
With over 25 years of experience and deep local knowledge, Joe's My Lender Team specializes in a wide range of mortgage programs tailored to Pima County residents. The team handles everything from VA and FHA loans to construction and land financing, consistently praised for clear communication and a smooth, responsive process.
Licensed in Arizona, Horizon Financial Center offers a broad range of mortgage options from first-time home purchases to refinancing with competitive rates. Their team provides fast, customized quotes and practical guidance, helping clients navigate challenges with a professional and friendly approach that many find reassuring throughout the process.
Known for transparent, low-rate mortgages and a streamlined process, Swift Mortgage draws on deep local market knowledge to guide homebuyers and refinancers. The team assists with loan applications and approvals while maintaining clear communication, helping clients feel supported and informed throughout the home-buying journey.
Lenders made 12,529 home-purchase loans in Pima County in 2025 (average about $350,000) and denied 1,446 — 10% of decided applications, compared with 11% across Arizona, according to federal mortgage data (HMDA, CFPB). In Tucson, the median home is worth $266,200 and 62% of owners have a mortgage, paying a median $1,482 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Pima 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 | The Polder Group at CrossCountry Mortgage | 4.9 | 1312 | Quoted per loan | (520) 495-0222 | Visit |
| 2 | NOVA Home Loans | 4.9 | 1170 | — | (520) 745-0050 | Visit |
| 3 | NOVA Home Loans | 5.0 | 546 | — | (520) 618-5626 | Visit |
| 4 | Drew Dodds - Licensed Mortgage Loan Officer | 5.0 | 433 | Quoted per loan | (520) 488-3063 | Visit |
| 5 | Jerry Sundt at CrossCountry Mortgage | 5.0 | 380 | — | (520) 500-5626 | Visit |
| 6 | Mike Omie | Home Loans | 5.0 | 270 | — | (520) 400-4458 | Visit |
| 7 | Ricky Abud at Fairway Independent Mortgage (NMLS #998857) | 5.0 | 133 | Quoted per loan | (520) 999-2668 | Visit |
| 8 | Joe's My Lender Team - Loan Factory | 5.0 | 117 | — | (520) 303-5620 | Visit |
| 9 | Horizon Financial Center | 5.0 | 117 | Quoted per loan | (520) 885-2721 | Visit |
| 10 | Michael Rubin | Swift Mortgage Loan Officer | 5.0 | 84 | Quoted per loan | (520) 419-4262 | 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.