Buying a Home in Arizona
Get Started with Your Arizona Home Purchase
At Pacific Home Loans, we are dedicated to helping you find the right financing solution for your Arizona home purchase. Our team provides personalized support, competitive rates, and a seamless experience from application to move-in day.
Buying a home in Arizona offers exciting opportunities across a diverse landscape—from vibrant cities like Phoenix and Tucson to the scenic beauty of Flagstaff and Sedona. Whether you are purchasing your first home, relocating, or investing, Pacific Home Loans is here to help you navigate the process with confidence.
We offer a range of loan programs tailored to Arizona’s dynamic housing market, making it easier for buyers to achieve their homeownership goals.
Contact us today to learn more about buying a home in Arizona and discover which loan options are right for you.
Loan Limits
Arizona Loan Limits
Arizona follows the baseline conforming loan limit set by the Federal Housing Finance Agency (FHFA). For 2025, the conforming loan limit for a single-unit home in Arizona is $806,500.
While Arizona does not have designated high-cost areas, loan limits may still vary based on the loan type:
- Conventional Loans – The FHFA sets conforming loan limits statewide at $806,500.
- FHA Loans – Limits vary by county. For example, in Maricopa County (Phoenix, Scottsdale), the FHA loan limit for 2025 is $546,250.
- VA Loans – No loan limit for qualified borrowers, but lenders may impose guidelines.
Click Here to review our Loan Programs page for a complete list of loan limits for Arizona.
What This Means for Homebuyers
- Easier Access to Conventional Financing – Most homebuyers in Arizona can qualify for conforming loans without requiring jumbo financing.
- FHA Flexibility – FHA loan limits provide an affordable financing option, particularly for first-time buyers.
- VA Loan Advantage – Eligible veterans and military personnel can benefit from zero down payment options with VA loans.
Want to learn more about your loan options in Arizona? Contact Pacific Home Loans today!
