Hi, I’m Gordon Goosen, NMLS 162267, owner of Pilot Mortgage, LLC – a local, Arizona-only mortgage broker based in Chandler. 

Every day we talk to home buyers (and their Realtors) who are frustrated with the mortgage process. They’re told “We can’t give you real numbers until we pull credit, verify income, and see 60 pages of documents.”

That’s not how we do it.

At Pilot Mortgage, you can get an actual, transparent, executable mortgage quote in minutes – with nothing more than three pieces of information:

1. Purchase price
2. Your estimated credit score
3. How much you plan to put down (as low as 3%)

No credit pull. No pay stubs. No barriers.

Here’s what that looks like in real life.

Real Quote Example – November 18, 2025

(Anyone could have requested this exact quote on our website)

Buyer Profile

• Purchase Price: $630,000
• Down Payment: 10% ($63,000)
• Estimated Credit Score: 680
• Loan Type: Conventional 30-year fixed, primary residence, no prepayment penalty
• Purchase Price: $630,000
• Down Payment: 10% ($63,000)
• Estimated Credit Score: 680
• Loan Type: Conventional 30-year fixed, primary residence, no prepayment penalty

Option 1 – No Points / Lender Credits Cover Most Closing Costs

Interest Rate: 7.500% (7.500% APR) 

Loan Amount: $567,000 

Estimated Monthly Payment (Principal + Interest + MI): $4,177.17 

Total Cash to Close (down payment + prepaids + closing costs): ≈ $63,000

Option 2 – Buy the Rate Down to 6.625%

Interest Rate: 6.625% (6.777% APR)

Estimated Monthly Payment: $3,843.19 Total Cash to Close: ≈ $71,793 (extra $8,793 buys the lower rate) 

Mathematical Break-Even: 27 months (2 years, 3 months)

After month 27, the lower rate saves you money for the rest of the 30-year term (or until you sell/refinance).

We show both options side-by-side so you can decide what’s best for your situation.

What’s Actually Included in That “Cash to Close” Number?

Most online calculators and big-bank quotes hide or estimate these fees. We don’t. You’ll see the real dollars for:

• Appraisal
• Credit report
• Origination/underwriting/processing
• All title company fees (settlement, lender’s policy, CPL, endorsements)
• Prepaid interest (prorated from funding date to month-end)
• One full year of homeowner’s insurance
• Private mortgage insurance (when applicable – and yes, ours is among the lowest in the country)

No surprises at the end.

Why Realtors Love Sending Their Clients to Pilot Mortgage

Because we give their buyers real numbers before they write an offer.

With our quote in hand, your Realtor instantly knows:

• Exactly how much of your cash is going toward the down payment vs. closing costs
• The precise monthly payment at different rate scenarios
• How many seller concessions to ask for (in the example above, a smart Realtor could request $8,993 in concessions and keep the buyer’s out-of-pocket almost identical while getting a much lower rate)

Buyers stay in the driver’s seat, and offers become stronger and cleaner.

Common Questions We Answer Every Day

Q: Can I really get an accurate quote without pulling credit or giving income? A: Yes. We use your estimated credit score tier and conservative debt-to-income assumptions. Once you have decided to choose Pilot Mortgage, we pull credit/verify income, 99% of the time the numbers either stay the same or get better.

Q: What if I have a 620 score or want only 3% down? A: Still no problem. We quote 3–25% down payment options all day long.

Q: Why are your private mortgage insurance (PMI) rates the lowest I’ve seen? A: Because we focus on the customer experience. We also do not mandate and escrow/impound account, we will waive this with no charge, we have access to delegated PMI pricing that most retail banks and online lenders simply don’t.

Q: Do you only work with buyers who already have a Realtor? A: Not at all. First-time buyers, move-up buyers, investors (we do those too) – anyone is welcome to run numbers with zero obligation.

Ready for Your Own Zero-Barrier Quote?

Head over to www.pilotmortgage.com (or just reply to this post) and tell us:

• Purchase price you’re looking at
• Approximate credit score
• How much you feel comfortable putting down

We’ll have a full Pilot Mortgage Planner back to you (and your Realtor, if you have one) in minutes – no login, no hard inquiry, no sales pitch.

Welcome to a better way to shop for a mortgage in Arizona.

Pilot Mortgage, LLC – NMLS #393286 | Licensed only in Arizona MB - 0917581  | Equal Housing Lender] 480-320-2322 | hello@pilotmortgage.com | Chandler, AZ

Let’s make sure you keep more money in your pocket and less stress in your home-buying experience.