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Review Keywords Analysis

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

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.

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 Tucson

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

1

The Polder Group at CrossCountry Mortgage

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.

Services & Prices
Personal Loans Quoted per loan
Mortgage Loans Quoted per loan
Auto Loans Quoted per loan
View Profile
(520) 495-0222
Closed Now
4801 E Broadway Blvd Ste 511, Tucson, AZ 85711
General Services
Loan Services
2

NOVA Home Loans

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.

View Profile
(520) 745-0050
Closed Now
6245 E Broadway Blvd #400, Tucson, AZ 85711
3

NOVA Home Loans

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.

View Profile
(520) 618-5626
Closed Now
1650 E River Rd Ste 108, Tucson, AZ 85718
4

Drew Dodds - Licensed Mortgage Loan Officer

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.

Services & Prices
First-Time Home Buyer Assistance Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(520) 488-3063
Closed Now
5401 N Oracle Rd, Tucson, AZ 85704
General Services
Mortgage Services
5

Jerry Sundt at CrossCountry Mortgage

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.

View Profile
(520) 500-5626
Closed Now
4280 N Campbell Ave #107, Tucson, AZ 85718
Where they are 10 on the map Click a pin for the profile and directions
6

Mike Omie | Home Loans

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.

View Profile
(520) 400-4458
Closed Now
1610 E River Rd #118, Tucson, AZ 85718
7

Ricky Abud at Fairway Independent Mortgage (NMLS #998857)

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.

Services & Prices
Fixed Rate Mortgage Quoted per loan
Adjustable Rate Mortgage Quoted per loan
Home Equity Loan Quoted per loan
View Profile
(520) 999-2668
Open 8:00 AM - 8:00 PM
7454 E Broadway Blvd, Tucson, AZ 85710
General Services
Home Loan Services
8

Joe's My Lender Team - Loan Factory

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.

View Profile
(520) 303-5620
Closed Now
1955 W Grant Rd #120, Tucson, AZ 85745
9

Horizon Financial Center

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(520) 885-2721
Closed Now
2500 N Pantano Rd #2302, Tucson, AZ 85715
General Services
Mortgage Services
10

Michael Rubin | Swift Mortgage Loan Officer

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Fixer-Upper Loans Quoted per loan
View Profile
(520) 419-4262
Closed Now
1050 E River Rd No. 302, Tucson, AZ 85718
General Services
Mortgage Services

Tucson Mortgage Statistics

Home-purchase lending in Pima County and home costs in Tucson, AZ (latest HMDA and Census data)

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).

Home-purchase loans, 2025
12,529▲ 1%12,435 in 2024
Denial rate
10%AZ 11%
Median home value
$266,200AZ $394,500
Monthly cost with a mortgage
$1,482median · AZ $1,803
Refinance loans made (Pima County, 2025)
6,855 · 5,372 in 2024
Home-improvement loans made (2025)
1,793
Average home-purchase loan
$350,000 (AZ $432,000)
Owners with a mortgage
62% · 30% of them spend 30%+ of income on housing
Median household income
$57,073 (AZ $79,964)

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.

Tucson Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Tucson 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 Tucson mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, interest rate, and buyer status. It includes mortgage, PMI, and property tax.
What is the debt-to-income ratio for mortgages in Arizona?
Lenders typically cap housing costs at 31% of gross income and total debts at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in Tucson?
Conventional loans require at least 3% down, while FHA loans need 3.5%. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Arizona?
With less than 20% down, PMI adds about 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home's value.
How do interest rates impact mortgage affordability in Tucson?
Higher rates increase monthly payments, reducing the home price you can afford. Rates start at 7.40% in this calculator, changing weekly.
How do my debts affect the mortgage I can qualify for?
Higher monthly debts reduce the amount you can borrow, as lenders cap total debt payments at 43% of gross income.
What are property taxes like in Arizona?
Property tax is about 0.43% of the home's value annually, based on the 2024 average for owner-occupied homes.
What is the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, giving a more accurate borrowing limit. Pre-qualification is an initial estimate.
What does a mortgage broker do?
A broker helps find mortgage options by connecting you with lenders, but this calculator provides an independent estimate of affordability.

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