Arizona Home Loans

We have an Arizona office and originate here directly — Maricopa, Pima and the rest of the state, for buyers already here as much as for anyone arriving.

What is specific to Arizona

Loan limits sit at the baseline in most of the state. Maricopa, Pima and Arizona's other counties are at or near the 2026 conforming baseline of $832,750 rather than in the high-cost tier, so for most of the market the question is simply whether the loan is above or below that figure. Check your county before assuming you need a jumbo.

Property taxes are comparatively low, which matters more than people expect: taxes are part of the payment an underwriter counts, so a lower tax burden means the same income qualifies for more house here than it would in a high-tax state.

Community facilities district assessments exist in some master-planned communities. They are not universal and they are not large everywhere, but they are real, and they belong in your qualifying payment. Ask about the specific parcel before you write an offer — two houses on the same street can differ.

New construction is a large share of the market, particularly across the Phoenix metro, which makes builder financing a live question for more Arizona buyers than for buyers in most states. That is covered below.

Arizona is an anti-deficiency state for qualifying residential purchase-money loans, a protection that does not exist in most of the country. It has nothing to do with qualifying, and it is worth knowing you have.

Relocating to Arizona

A large share of Arizona's buyers arrive from out of state, and California is the biggest single source. If that is you, the mortgage math usually improves, and the reason is not complicated: Arizona prices are lower, so a loan that was jumbo where you came from is frequently conforming here — which means easier underwriting, lower reserve requirements, and no second appraisal. Programs that were impractical at coastal prices, FHA and VA in particular, become live options again.

Run the Arizona numbers rather than assuming your existing pre-approval translates. It usually translates upward.

We are licensed in California as well as Arizona, so if you are selling there and buying here, that is one conversation rather than two companies who do not talk to each other — including what to do when the timing does not line up cleanly.

Buying new construction

Much of the Phoenix metro's inventory is new construction, and builder financing deserves more scrutiny than it usually gets.

Builders frequently offer incentives to use their affiliated lender — closing cost credits, rate buydowns, upgrade allowances. Sometimes those are genuinely worth taking. Sometimes the incentive is priced back into the loan and an outside lender still wins.

You are entitled to compare, and the builder cannot require you to use their lender. Get the builder's loan estimate and get ours, and look at the total cost rather than the headline incentive. If theirs is better, we will tell you to take it.

Timing is the other new-build issue. Completion dates move, and a rate lock that expires before the home is finished creates a problem. Extended locks exist for exactly this and should be part of the conversation up front, not discovered in month five.

Loan limits and programs in Arizona

Maricopa, Pima, and most other Arizona counties sit at or near the $832,750 baseline for a one-unit property. Above that you are in jumbo territory — though check the county, and check whether a high-balance conforming tier applies before assuming.

Every program we offer is available here:

• Conventional — including second homes, which matters in a state with real seasonal-residence demand
• FHA — genuinely usable at Arizona price points
• VA — Arizona has a substantial veteran population, and we are a VA lender
• USDA — more of Arizona is eligible than people expect, particularly outside the Phoenix and Tucson metros
• Jumbo and Refinance

Talk to us in Arizona

Tell us the county, the price range, and whether you are moving from out of state. That is enough to tell you what the payment actually looks like once taxes and insurance are counted properly.

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FAQ

What is the conforming loan limit in Arizona for 2026? Maricopa, Pima, and most Arizona counties sit at or near the $832,750 baseline for a one-unit property. Verify your specific county, since limits are set county by county.

I am moving from California — does my pre-approval transfer? Not automatically, and you should want it rerun. Arizona's lower prices and generally lower property taxes usually mean you qualify for more, and a loan that would have been jumbo in California is often conforming here.

Do I have to use the builder's lender on a new build? No. Builders may offer incentives for using their affiliated lender, and you are free to compare. Look at total cost rather than the headline incentive — sometimes theirs wins, sometimes it does not.

Does Arizona have anything like Mello-Roos? Not widely, though some master-planned communities carry community district assessments. Ask for the actual tax figure on any specific property before you make an offer.

Are property taxes lower in Arizona than California? Generally yes, though it varies by county and municipality. Since taxes are part of the qualifying payment, that difference usually means the same income supports a larger loan. Verify the actual figure for a specific parcel with the county assessor.