Buying a Home in Arizona
More Options, More Choice, More Happy Homebuyers!
At Pacific Home Loans, we provide the best of both worlds as a mortgage banker and broker, giving you more options, greater flexibility, and competitive financing solutions across Arizona.
- Mortgage Banker – As a direct lender, we can internally fund loans, resulting in lower costs and faster processing times.
- Mortgage Broker – Our expansive network of financing partners allows us to offer a variety of loan programs customized to your needs.
Whether you’re purchasing or refinancing, our dual role ensures you receive the best mortgage solutions in Phoenix, Tucson, Scottsdale, Flagstaff, and beyond.
Let Pacific Home Loans help you achieve your Arizona homeownership goals. Contact us today!
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!
