Arizona Mortgage Tools
Run real numbers before you write the offer.
Calibrated to actual Phoenix metro closings, not generic national averages. Use these to set expectations, structure offers, and bring confidence to the table.
Estimator
Closing Costs
A working estimate of what it costs to close on an Arizona home, broken into low, mid, and high ranges. Includes lender fees, title and escrow, prepaid interest, insurance, and tax escrow. Optional miscellaneous fees field for HOA transfers, home warranties, and other deal-specific costs.
Best for: writing offers, negotiating seller credits, setting buyer expectations.
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Buydown Calculator
Calculate the cost of a temporary 1-0, 2-1, or 3-2-1 rate buydown. Shows the seller-paid subsidy, year-by-year payments, and an automatic check against Conventional, FHA, and VA seller contribution limits.
Best for: structuring buyer-favorable offers when sellers will negotiate.
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Income Calculator
Paste a Zillow listing URL and see what household income would qualify for that home. Auto-fills price and tax data from the listing. Works with conventional, FHA, and VA loan types. Fun for browsing dream homes, useful for setting realistic targets.
Best for: dreamers, househunters, and buyers gauging where they stand.
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