Arizona Mortgage Lender

Bayview Residential Brokerage is a licensed Arizona mortgage broker (Arizona Mortgage Broker MB-1028331, NMLS ID 329189) helping buyers and homeowners across the state finance the right home at the right terms. Because we are a broker rather than a single bank, we shop dozens of wholesale lenders on your behalf and bring back the most competitive fit, whether you are buying your first home in the Valley, moving up in Tucson, or refinancing a property in Flagstaff or Prescott.

This page covers the essentials for financing a home anywhere in Arizona in 2026: the statewide market, loan limits, the programs available here, down payment assistance, and the cities we serve. For neighborhood-level detail, follow the links to your city below.

The Arizona housing market in 2026

Arizona remains one of the fastest-growing states in the country, drawing new residents and employers from higher-cost markets. The Phoenix metro is the center of gravity, with more than half the state's population and major new investment such as the large semiconductor plants rising in the north Valley. Tucson anchors the south, while Flagstaff, Prescott, Yuma and Lake Havasu City round out a diverse set of regional markets.

After the rapid run-up of 2021 and 2022, prices across most of Arizona have leveled off, and homes are taking a bit longer to sell than they did at the peak. For buyers that means more negotiating room and less bidding-war pressure. Because prices vary widely from one metro to the next, the loan strategy that makes sense in Scottsdale can look very different from the one that fits Glendale or Tucson, which is exactly where a local broker helps.

Loan programs for Arizona buyers

Conventional loans. The default for buyers with solid credit, with as little as 3% down for qualified first-time buyers.

FHA loans. Lower down payment (3.5%) and flexible qualifying, popular with first-time and credit-building buyers across the state.

VA loans. Arizona has a large military and veteran community, anchored by Luke Air Force Base near Phoenix, Davis-Monthan Air Force Base in Tucson and Fort Huachuca in Sierra Vista. Eligible borrowers can buy with zero down and no monthly mortgage insurance.

USDA loans. Zero-down financing for eligible rural communities across the state, for buyers within the income limits.

Jumbo loans. For higher-priced homes above the $832,750 conforming limit, common in Scottsdale, Paradise Valley and parts of Sedona and Flagstaff.

Reverse mortgages. For homeowners 62 and older who want to convert equity into cash without a monthly mortgage payment.

Down payment assistance in Arizona

Arizona offers some of the more accessible down payment help in the country. The statewide HOME+PLUS program pairs a 30-year fixed mortgage with down payment and closing-cost assistance of up to 5% of the loan amount. Typical guidelines include a household income under about $112,785, a minimum credit score of 640, and a short homebuyer education course before closing, and it works with conventional, FHA, VA and USDA loans.

Beyond the statewide program, several cities and counties run their own assistance, such as the City of Phoenix Open Doors program for buyers inside city limits. Funding and rules change over time, so the best first step is a quick conversation to see which program fits your income, credit and the home you want to buy. We handle the coordination between the assistance and your loan.

Property taxes in Arizona

Arizona is a relatively low property tax state. Residential property is assessed at 10% of its full cash value, and effective tax rates generally fall below the national average. Lower taxes mean a smaller escrow portion of your monthly payment, which can help you qualify for a bit more home. When we prepare your pre-approval, we include realistic estimates for taxes and homeowners insurance so the monthly number is the real one.

Why work with Bayview in Arizona

A retail bank can only offer its own products. As a broker, Bayview Residential Brokerage shops dozens of lenders on your behalf and brings back the most competitive fit, which often means a lower rate, lower fees, or a program a single bank does not carry. You do all your comparison shopping with one company, and you keep the same advisor from your first question through closing day. We are licensed across Arizona, California, Oregon, Washington and Hawaii, and we have funded thousands of loans for families throughout the region.

Arizona mortgage FAQs

What are the 2026 conforming loan limits in Arizona?

Every Arizona county uses the national baseline for 2026, which is $832,750 for a single-family home. Loans above that are financed as jumbo loans.

Is Bayview licensed to lend in Arizona?

Yes. Bayview Residential is a licensed Arizona mortgage broker (Arizona Mortgage Broker MB-1028331, NMLS ID 329189) serving buyers statewide.

What down payment assistance is available in Arizona?

The statewide HOME+PLUS program offers up to 5% in down payment and closing-cost assistance for qualified buyers, and several cities run their own programs. We can check which you qualify for.

Do you offer VA loans in Arizona?

Yes. With bases including Luke AFB, Davis-Monthan AFB and Fort Huachuca, Arizona has a large veteran community, and we offer zero-down VA loans for eligible borrowers statewide.

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