Does this mortgage calculator include Arizona property taxes?

Yes, you can manually input the specific tax rates for Mesa (approx. 0.6%) or Scottsdale to get a more accurate monthly payment estimate.

How do I calculate a Bank Statement loan payment?

For self-employed borrowers, use this calculator to determine your target payment, then contact Bonelli Financial Group to verify your qualifying income based on 12-24 months of deposits.

What is included in a PITI payment?

PITI stands for Principal, Interest, Taxes, and Insurance. These four components make up your total monthly mortgage obligation.

Bonelli Financial Group: Mortgage Lenders & Refinance Experts in Mesa, AZ

We Have a Team of Licensed and Experienced Mortgage Loan Advisors. Whether you're looking to buy a home in Arizona, California, Colorado, Florida, Idaho, New Mexico, Ohio, South Carolina or Texas or refinance your existing mortgage, borrowers often dread the mortgage loan and refinance process. That is because the traditional way to shop for a mortgage loan is antiquated and broken. Bonelli Financial Group has a streamlined the mortgage loan process to be easy, fast, and exciting so you can focus on enjoying your new home and this new chapter in life without the stress of a long and complicated mortgage loan process.

Asset-based home loans for buying or refinancing a home

Bank statement loans for self-employed mortgage approval

Conventional mortgage loans and home financing options

Conventional Loans

Standard home loans that follow traditional lending rules and usually require solid credit and steady income.

CONVENTIONAL LOANS

DSCR loans for real estate investors and rental properties

Debt Service Coverage Ratio (DSCR) Loans

Investor-focused loans that rely on a property’s rental income to qualify, not the borrower’s personal income.

DSCR INVESTOR LOANS

FHA loans for first-time homebuyers with low down payment

Federal Housing Authority (FHA) Loans

Government-insured mortgages that offer flexible credit requirements and low down-payment options.

FHA LOAN OPTIONS

First time homebuyers posing in front of their new home

Solar panel installation on a residential roof as part of FHA EEM

VA loans for veterans and active-duty military homebuyers

Homeowner lowering mortgage rate with a rate-and-term refinance

Homeowner using cash-out refinance to access home equity

Veteran lowering VA mortgage payment through VA IRRRL refinance

Homeowner saving money with an FHA Streamline Refinance

Home equity line of credit (HELOC) for home improvement or debt consolidation

Home equity loans (HELOAN) for renovations, debt payoff, or cash-out

Home Equity Loans (HELOANs)

A fixed-rate loan that lets you tap your home’s equity and receive the money in one lump sum.

HOME EQUITY LOANS

Texas 50(a)(6) loans for residential property purchase or refinance

No matter, whether you are a first-time homebuyer or looking to refinance your existing mortgage, our experienced mortgage loan officers work diligently to find mortgage home loans tailored to your unique financial situation. The process begins with a comprehensive consultation where our expert mortgage brokers gather detailed information about your financial status, goals, and preferences. By understanding your home financing goals, we can find mortgage rates and fees that align with your needs.

Region	Licensed States	Primary Service Cities
Southwest (HQ)	Arizona	Mesa, Gilbert, Chandler, Phoenix, Scottsdale, Queen Creek
	Texas	Austin, Dallas, Houston, San Antonio, Fort Worth
	New Mexico	Albuquerque, Santa Fe, Las Cruces, Rio Rancho
Rockies	Colorado	Denver, Colorado Springs, Aurora, Fort Collins
	Idaho	Boise, Meridian, Nampa, Idaho Falls
Southeast	Florida	Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale
	South Carolina	Charleston, Columbia, Greenville, Myrtle Beach
Midwest	Ohio	Columbus, Cleveland, Cincinnati, Toledo, Akron
West Coast	California	Los Angeles, San Diego, San Jose, San Francisco, Sacramento

Mortgage Calculators | Best Mortgage Loans Fast

Affordability Calculator

Estimate a comfortable home price and loan amount based on your income, debts, and target debt-to-income ratio.

Gross Monthly Income ($)

Monthly Debts (Auto, Cards, etc.) ($)

Max Back-End DTI (%)

Interest Rate (Annual, %)

Loan Term (Years)

Property Tax (% of value, annual)

Homeowners Insurance (% of value, annual)

HOA Dues (Monthly, $)

Purchase / Payment Calculator

Estimate your total monthly mortgage payment including principal & interest, property taxes, insurance, PMI and HOA dues.

Home Price ($)

Down Payment (%)

Interest Rate (Annual, %)

Loan Term (Years)

Property Tax (% of value, annual)

Homeowners Insurance (% of value, annual)

PMI (% of loan, annual – if <20% down)

HOA Dues (Monthly, $)

Refinance Savings Calculator

Compare your current mortgage to a new refinance scenario, including monthly savings and breakeven point after closing costs.

Current Loan Balance ($)

Current Interest Rate (%)

Years Remaining on Current Loan

New Rate (%)

New Loan Term (Years)

Estimated Closing Costs ($)

Mortgage Total Cost Calculator

Estimate total interest and total cost of your mortgage over time, with and without an extra monthly payment.

Loan Amount ($)

Interest Rate (Annual, %)

Loan Term (Years)

Monthly Property Tax ($)

Monthly Homeowners Insurance ($)

Monthly HOA Dues ($)

Extra Monthly Payment Toward Principal ($)

Rent vs Buy Calculator

Compare estimated monthly costs of owning vs renting and see potential long-term equity from buying a home.

Current Monthly Rent ($)

Expected Annual Rent Increase (%)

Home Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term (Years)

Property Tax (% of value, annual)

Insurance (% of value, annual)

Years to Compare

Home Appreciation (% per year)

VA Loan Payment Calculator

Estimate a VA loan payment including the VA funding fee, property taxes, insurance, and HOA dues.

Home Price ($)

Down Payment (%)

VA Funding Fee (%)

Interest Rate (%)

Loan Term (Years)

Property Tax (% of value, annual)

Insurance (% of value, annual)

HOA Dues (Monthly, $)

FHA Streamline Payment Calculator

Estimate a new FHA payment for a streamline refinance, including principal & interest, FHA mortgage insurance, taxes and insurance.

New FHA Loan Amount ($)

New FHA Rate (%)

Loan Term (Years)

Annual FHA MIP (% of loan)

Property Tax (Annual, $)

Homeowners Insurance (Annual, $)

HOA Dues (Monthly, $)

DSCR Investor Calculator

Estimate the maximum loan amount based on rental income, operating expenses, and a target DSCR ratio.

Monthly Gross Rent ($)

Other Monthly Expenses (Taxes, Insurance, HOA, etc.) ($)

Target DSCR (e.g. 1.20)

Interest Rate (%)

Loan Term (Years)

Fix & Flip Profit Calculator

Estimate your potential profit and ROI on a flip based on purchase, rehab, holding costs and after-repair value.

Purchase Price ($)

Rehab / Renovation Cost ($)

Holding Costs (Financing, Utilities, etc.) ($)

After-Repair Value (ARV) ($)

Selling Costs (% of ARV – agent, closing, etc.)

Cash Invested (Down Payment + Rehab + Closing) ($)

Blended Rate Calculator

Calculate your blended mortgage rate for multiple loans or refinances.

Loan 1 Amount ($)

Loan 1 Rate (%)

Loan 2 Amount ($)

Loan 2 Rate (%)

Loan 3 Amount ($)

Loan 3 Rate (%)

For Conventional Buyers: "Factor in a 3% to 20% down payment. Remember that if your down payment is under 20%, our calculator's 'Insurance' field should include Private Mortgage Insurance (PMI)."

For Veterans (VA Loans): "Set your down payment to 0%. Our Mesa VA loan experts recommend accounting for the VA Funding Fee, which can be rolled into the total loan amount."

For Investors (DSCR): "When calculating for investment properties, focus on the Debt Service Coverage Ratio. Ensure the estimated monthly rent exceeds the PITI calculated here."

Does this mortgage calculator include Arizona property taxes?
Yes, you can manually input the specific tax rates for Mesa (approx. 0.6%) or Scottsdale to get a more accurate monthly payment estimate.
How do I calculate a Bank Statement loan payment?
For self-employed borrowers, use this calculator to determine your target payment, then contact Bonelli Financial Group to verify your qualifying income based on 12-24 months of deposits.
What is included in a PITI payment?
PITI stands for Principal, Interest, Taxes, and Insurance. These four components make up your total monthly mortgage obligation.