FHA Loan
3.5% down, flexible credit (580+). Government-backed — easier approval than conventional. Perfect for first-time AZ buyers.
See if you qualify →
★ 47 AZ Homes Closed · 5.0 Google Rating · 18 Five-Star Reviews
Get your real Arizona home payment in 60 seconds.
See your full PITI + HOA + PMI breakdown — then explore the programs that can put $0 down or cover your down payment. Private, bilingual, runs on your device.
✓ Instant estimate
✓ FHA · USDA · ITIN · DPA
✓ No credit pull
✓ EN + ES
47AZ homes closed
5.0★Google rating
185-star reviews
2 hrsAvg reply time
Programs I help you with
Loans most AZ agents won't explain to you.
I work with licensed mortgage partners who specialize in non-QM and government programs — the ones banks usually say "no" to. If a program fits, you'll know.
USDA Rural Loan
100% financing in eligible AZ areas (Casa Grande, Maricopa, Eloy, many others). Income limits apply but are generous.
Check USDA eligibility →ITIN Loan
For buyers without a Social Security number. Use an ITIN + 2 years of returns. Several AZ lenders specialize in this.
Learn about ITIN →AZ Down Payment Assistance
State and city programs can cover 3-5% of your down payment — sometimes forgivable. Phoenix, Maricopa, Pinal County all have active programs.
Find my DPA →📘 Free: AZ Homebuyer Program Guide (PDF)
Which programs to start with, the 7 documents lenders ask for, and a realistic 2026 closing timeline. Short read. Education only — not a loan approval.
Calculator
Understand the full monthly cost — not just the mortgage.
Nothing entered below is logged, emailed, placed in analytics, or sent to Lofty. It runs in your browser.
Taxes, insurance & other costs
This is a rough planning scenario — not lender qualification or approval.
What buyers say
Real AZ buyers. Real closed homes.
★★★★★
"Jesus walked us through the USDA 0% down program when our bank told us we didn't qualify. Closed in 38 days on our first home in Maricopa."— Maria & Luis, first-time buyers · Maricopa, AZ
★★★★★
"He explained FHA vs conventional without making me feel dumb. Got us $7,500 in down payment assistance on top of the loan."— D. Thompson · Casa Grande, AZ
★★★★★
"Sin seguro social y Jesús nos conectó con un lender que maneja ITIN. Cerramos en 8 semanas. Recomendado 100%."— Familia Rodríguez · Phoenix, AZ
Local homebuying guidance
Jesus Sanchez, REALTOR®
I help Arizona buyers understand the full monthly cost, compare the right loan program (FHA, USDA, ITIN, DPA), and connect with licensed mortgage professionals when they're ready for formal financing.
REAL Brokerage
AZ SA709230000
CA 02247638
English & Spanish
Choose your next step
Education first. Conversation when you want it.
Optional consultation
Want help applying the estimate to your home search?
Send your contact details and goal. Optional pre-qual answers (income range, credit range, debts) only go to Jesus in Lofty if you choose to add them. Calculator numbers stay on your device. Nothing is sent to a lender and there is no credit pull.
🔒 Saved directly in Lofty and assigned to Jesus
FAQ
Clear answers before you continue.
Is this a loan approval or prequalification?
No. It is an educational estimate only. A licensed mortgage professional must review an application before issuing any financing decision.
Does the calculator check my credit?
No. It does not request or access a credit report, and your calculator inputs stay on your device.
Why might my real payment differ?
Rates, taxes, insurance, mortgage insurance, HOA, loan fees, property details and underwriting can all change the final amount.
What does the buying-budget mode mean?
It uses adjustable planning ratios to create a rough scenario. It does not predict what a lender will approve or what is comfortable for your household.
How do I apply with a lender?
Use a licensed lender's secure application — not this consultation form. Jesus can provide the current verified handoff for your situation.