What it costs

Rates are estimates for a conventional 30-year fixed purchase loan, priced from a lender’s rate sheet of October 27, 2026 with Fannie Mae’s loan-level price adjustments (effective September 30, 2026) for credit score, down payment and occupancy, on a single-family home like this one. They are not a quote and not a rate lock. Where the sheet has no price, the Freddie Mac PMMS 30-year fixed average for the week of October 22, 2026, a national average, is shown instead. Property tax is this home’s listed annual tax ($2,618); homeowner’s insurance and mortgage insurance are estimates.

Cash to close is an estimate modeled on the fees of a recent conventional purchase in Maricopa County: lender underwriting and third-party services, title and escrow (the seller paying the owner’s title policy, as is customary in Arizona), recording, a year of homeowner’s insurance, prepaid interest and an initial escrow deposit, HOA transfer fees and dues, and the seller’s share of this year’s property taxes. It assumes closing on December 10, 2026 and includes your earnest money deposit. Your loan estimate will show the actual figures.

Estimate only. This is not a loan offer, approval or commitment to lend. Your actual rate, points and payment depend on your full credit profile, the loan amount, the property and current pricing, and are subject to credit approval and underwriting. Temporary buydowns and seller concessions depend on the seller’s agreement and program limits.

Joe Wassinger, NMLS #1186679 · Go West Home Loans, NMLS #2535949 · Equal Housing Opportunity.