Mortgage Estimator
Understand the full monthly cost of ownership before you write an offer. Adjust the variables — we'll translate them into a number you can plan around. Estimates only; your loan officer will confirm the figures that matter.
Calculator uses the Maricopa County average effective property tax rate of 0.62%. Actual taxes vary by municipality and individual assessment. Not a loan offer or commitment to lend. Consult a licensed lender for rates and terms specific to your situation.
Plan for the full cost — not just the loan.
Most online calculators give you a principal-and-interest figure and call it a day. In Arizona, your real monthly cost includes property taxes, insurance, and frequently HOA dues. We model all four, side by side, so the number you see is the number you'll actually pay.
Maria has guided buyers through every price point in the Valley for over twenty years — from first homes in Gilbert to seven-figure estates in Paradise Valley. When you're ready to move from estimating to buying, she'll connect you with a preferred lender and walk you through the rest.
Frequently Asked
Are these mortgage estimates accurate?
Our calculator uses the standard amortization formula along with Maricopa County's average effective property tax rate (≈0.62%). It will give you a reliable directional estimate, but your actual payment depends on lender fees, exact tax assessments, HOA dues, and your insurance carrier. Maria can refer you to a trusted local lender for a precise figure.
What does the monthly payment include?
Principal & interest (the loan portion), property taxes, homeowner's insurance, HOA dues if applicable, and PMI when your down payment is under 20%. Most online calculators skip PMI — ours doesn't, so the number you see is the number you'd actually owe each month.
How much should I put down?
Conventional loans typically require 20% down to avoid private mortgage insurance (PMI), but FHA can go as low as 3.5%, and VA / physician loans can go lower still. Tap one of the down-payment shortcuts (3.5%, 5%, 10%, 20%) to see how your monthly payment shifts. Maria can connect you with a lender who'll walk through which loan program fits your situation best.
I'm ready to talk to a lender. What's next?
Tap "Email Me This Quote" — Maria's preferred lender partner will reach out within 24 hours with your pre-approval next steps and a rate-lock conversation. Pre-approval letters carry real weight when you write an offer, especially in competitive markets like Scottsdale and Paradise Valley.
From estimate to offer.
Once your numbers feel right, the next step is a pre-approval letter. Maria will personally introduce you to a preferred local lender and guide you through writing a competitive offer.