Who's behind AZ Homes by Payment
A plain-language look at who runs this site, how it works, where the numbers come from, and how to verify our licensing.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
Who runs AZ Homes by Payment?
Quick answer: AZ Homes by Payment is operated by Rebel Rate Mortgage, Inc. (NMLS #2571369; Arizona License MB-1050987), a mortgage company at 5561 S. Wilson Drive, Chandler, AZ 85249. Daryle Messina (NMLS #183491) is the site's licensed loan officer. The site is free to use and doesn't quote rates or make loan offers.
Source: NMLS Consumer Access. Last updated .
Rebel Rate Mortgage, Inc.
AZ Homes by Payment is operated by Rebel Rate Mortgage, Inc., a mortgage company licensed in Arizona.
| Company | Rebel Rate Mortgage, Inc. |
|---|---|
| Company NMLS | #2571369 (verify on NMLS Consumer Access) |
| Arizona license | License MB-1050987 |
| Address | 5561 S. Wilson Drive, Chandler, AZ 85249 |
| Phone | 480-382-5626 |
| [email protected] | |
| Elsewhere online | Instagram · Links page |
Daryle Messina, Loan Officer (NMLS #183491)
Daryle Messina is a loan officer with Rebel Rate Mortgage, Inc.. His individual license can be checked on NMLS Consumer Access (NMLS #183491). When you're ready to talk about real numbers for your situation, you can reach him at 480-382-5626.
What this site is, and what it isn't
- It is a free way to browse Arizona homes by the monthly budget you're comfortable with, plus city housing figures and simple calculators.
- It isn't a loan offer, rate quote, pre-qualification, or commitment to lend. We don't advertise or prefill interest rates, and we don't forecast home prices.
- Home search buttons open a third-party home search tool with its own terms and privacy policy. If you choose to share your contact information there, Rebel Rate Mortgage, Inc. may be notified so a licensed loan officer can follow up. Browsing is free and doesn't require contact information.
Where our numbers come from
- City housing figures (median home value, median monthly owner costs with a mortgage, median gross rent, owner-occupied rate, commute time): U.S. Census Bureau QuickFacts, ACS 2020–2024 5-year estimates; population from the V2025 estimates; retrieved September 25, 2026.
- Home price history: U.S. Federal Housing Finance Agency House Price Index (All-Transactions), data through 2026 Q2, released August 25, 2026, downloaded September 26, 2026.
- Migration to Arizona: U.S. Census Bureau State-to-State Migration Flows, 2024 ACS 1-year estimates.
- Down payment assistance: the Arizona Industrial Development Authority's Home Plus program, as published by the program.
Census figures are area-wide medians across all households, including people who bought or signed leases years ago, so they describe a place, not the cost of any particular home today.
Editorial standards
- Every number on this site comes from a named public source, with the source and date shown next to it.
- Budget amounts are examples for searching homes, not what anyone will qualify for.
- We describe places by geography, landmarks, and published housing data. We don't describe neighborhoods by who lives there.
- Pages show a "Last updated" date, and we refresh figures when sources publish new data.
Equal Housing Opportunity. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act. See licensing and disclosures and our privacy policy.
Start exploring
- Arizona cities: Census housing costs and homes by budget
- Arizona homes by monthly budget
- Free home buying calculators
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
Sources
- U.S. Census Bureau QuickFacts (ACS 2020–2024 5-year estimates; retrieved September 25, 2026)
- U.S. Federal Housing Finance Agency, FHFA House Price Index datasets (All-Transactions Index, data through 2026 Q2, released August 25, 2026; downloaded September 26, 2026)
- U.S. Census Bureau, State-to-State Migration Flows (2024 ACS 1-year estimates)
- Arizona Industrial Development Authority, Home Plus program (program terms as published; income limits effective April 6, 2026)
- NMLS Consumer Access (license verification)
Frequently asked questions
Is Rebel Rate Mortgage licensed in Arizona?
Yes. Rebel Rate Mortgage, Inc. holds Arizona License MB-1050987 and is registered as NMLS #2571369. You can verify both on NMLS Consumer Access.
How do I check a loan officer's license?
Search the person's name or NMLS number on NMLS Consumer Access (nmlsconsumeraccess.org). Daryle Messina's NMLS number is 183491.
Does this site quote mortgage rates?
No. The site doesn't advertise or prefill interest rates. Calculators only use a rate if you type one in, and results are illustrations, not quotes.
How does this site make money?
The site is operated by a mortgage company. If you choose to share your contact information in the home search, Rebel Rate Mortgage, Inc. may be notified so a licensed loan officer can follow up. Browsing is free.