— ARIZONA

Arizona Mortgage &
Home Loan Solutions

Arizona Mortgage &
Home Loan Solutions

Mortgage financing across Arizona – from luxury desert estates and golf course communities to resort properties, second homes, and investment opportunities statewide.

Start My Application

— ABOUT ARIZONA HOME LOANS

Arizona’s Mortgage
Lending Specialists

Pacific Home Loans provides mortgage financing throughout Arizona, with dedicated expertise across the state’s distinct real estate markets – from the Scottsdale and Paradise Valley luxury corridor and Sedona’s resort destination market to the Prescott Highlands, Tucson Metro, Flagstaff’s mountain communities, and the Lake Havasu recreation and retirement corridor.

Arizona’s real estate landscape has become one of the most dynamic migration destinations in the country, with sustained inbound movement from California and other high-tax states driving demand across the Phoenix metro and lifestyle markets. Arizona’s low flat income tax rate and favorable business environment have accelerated activity in the luxury and investment segments, attracting a high concentration of self-employed buyers, business owners, and high-net-worth relocators whose financing needs frequently extend beyond standard agency programs.

The 2026 conforming loan limit across most Arizona counties is $832,750. Properties above this threshold – common across Scottsdale, Paradise Valley, and Sedona – require jumbo or portfolio financing. Our team offers competitive jumbo loan programs, PrimeResort™ condo financing, and in-house portfolio solutions for Arizona’s most complex transactions.

Explore Your Options:

Call 602-671-0798

— ARIZONA’S KEY REAL ESTATE MARKETS

Arizona’s Key Market
Real Estate Financing

The dominant Arizona real estate market and one of the fastest-growing luxury residential destinations in the western U.S., Scottsdale’s guard-gated golf communities – Silverleaf, DC Ranch, Desert Mountain, Troon – attract high-net-worth buyers from California and the Pacific Northwest seeking lifestyle advantages and Arizona’s low flat income tax rate. Paradise Valley remains Arizona’s most exclusive residential enclave, with median prices well above the conforming loan limit. Jumbo, portfolio, and PrimeResort™ financing are the most commonly applied programs across this market.

→ Scottsdale & Phoenix Metro Mortgages

Arizona’s second-largest city offers a diverse real estate landscape – from the foothills luxury communities of Oro Valley and the Catalina Foothills to first-time buyer and VA-eligible markets near Davis-Monthan Air Force Base and the University of Arizona. Pacific Home Loans serves the full Tucson metro with conventional, FHA, VA, jumbo, and Non-QM programs.

→ Tucson Metro Mortgages

Beyond the state’s two primary metros, Arizona is home to a collection of resort, mountain, and recreation markets that attract second home buyers, retirees, vacation property investors, and lifestyle-driven relocators from across the country.

Sedona & Verde Valley – Arizona’s premier resort destination, with a median home price exceeding $1.2 million and a luxury market defined by red rock views, resort-branded residences, and high-demand vacation property acquisitions. Jumbo, portfolio, PrimeResort™, and DSCR programs are the most commonly applied financing structures here. Cottonwood and Camp Verde extend the region’s appeal at more accessible price points.

Prescott & Central Highlands – Known locally as “Everybody’s Hometown,” Prescott draws retirees and lifestyle buyers seeking cooler temperatures and small-town character at elevation. Prescott Valley is one of the top destinations for Phoenix residents relocating out of the metro, driving steady demand for primary residence and move-up purchase transactions.

Flagstaff & Northern Arizona – Arizona’s mountain gateway, anchored by Northern Arizona University and proximity to the Grand Canyon and ski areas. Limited inventory sustains above-average pricing, and the area attracts vacation property buyers and second home purchasers seeking elevation and recreation. Show Low and the White Mountains offer a more accessible alternative for Phoenix buyers seeking cooler climates and vacation rental investment opportunities.

Lake Havasu & Western Arizona – A distinct recreation, retirement, and vacation home corridor anchored by Lake Havasu City, with strong demand for waterfront properties and investment acquisitions. Vacation home financing, DSCR investment programs, and reverse mortgage purchase programs are commonly applied in this market.

→ Arizona Lifestyle & Destination Market Mortgages

Call today to get started!

— PROPERTY TYPES

Arizona Resort &
Condominium Financing

Arizona’s resort real estate market spans the Scottsdale corridor and the Sedona/Verde Valley area, with distinct condominium and resort property financing needs in each market.

In the Scottsdale area, resort-branded and luxury condominium developments – including Hyatt, Westin, and Marriott-affiliated residences – may involve:

  • Non-warrantable condominium project characteristics

  • Hotel-hybrid or mixed-use ownership structures

  • Short-term rental and investment property classifications

  • HOA structure, reserve adequacy, and project eligibility review

In the Sedona area, resort condominium and second-home financing may involve:

  • Second-home and vacation property classifications

  • Seasonal rental income and DSCR qualification considerations

  • Non-warrantable project structures in resort communities

  • Jumbo and portfolio financing for higher-value luxury properties

— SPECIALIZED FINANCING

Investor & Non-QM
Borrowers in Arizona

Arizona’s favorable tax environment attracts a high concentration of self-employed borrowers, business owners, real estate investors, and high-net-worth individuals relocating from California and other states. Many of these borrowers have complex income structures that benefit from flexible qualification programs.

  • Bank statement loans – qualification based on 12 or 24 months of deposits

  • Asset-based qualification – qualification based on liquid and investable asset reserves

  • DSCR / investor cash flow loans – qualification based on rental property income

  • 1099 loan programs – for independent contractors and business owners
  • Portfolio lending solutions – customized structuring for complex borrower scenarios

→ Explore Non-QM Mortgage Programs

— FOR RESORT & NON-WARRANTABLE PROJECTS

PrimeResort™

Condominiums in resort-designated or non-warrantable projects require specialized underwriting that conventional lenders cannot provide.

Investor Qualification

Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.

Portfolio Loans

Learn more about our portfolio loan options and flexible financing solutions.

Arizona’s Markets Are Diverse.
Your Financing Strategy Should Match.

— PROGRAM OPTIONS

High-Value &
Complex Transactions

Arizona’s luxury and resort markets frequently involve transaction timing, asset positioning, or competitive purchase dynamics that require financing flexibility beyond standard agency guidelines. Portfolio lending solutions provide options for borrowers navigating these scenarios.

Portfolio lending solutions may allow borrowers to:

  • Structure financing around a liquidity event, business sale, or asset reallocation
  • Strengthen purchase offers in competitive luxury market conditions
  • Bridge from a current property to a new purchase
  • Finance properties that fall outside standard agency or jumbo guidelines

→ Explore Portfolio Loans & Flexible Financing

Full Service Arizona Mortgage Programs

In addition to specialized financing solutions, Pacific Home Loans offers a complete range of traditional agency programs for Arizona borrowers:

→ Conventional Loans
→ FHA Loan Details
→ VA Loan Details
→ HomeReady Loan Details
→ Home Possible Loan Details

— WHY PACIFIC HOME LOANS

Pacific Home Loans
Arizona Mortgages

Pacific Home Loans structures financing solutions that match the complexity of Arizona’s real estate market – whether the property is a luxury estate in Paradise Valley, a resort condominium in Scottsdale, or an investment property in Tucson.

Financing Experts

Experienced financing luxury, resort, and complex property types in high-value markets

In-House Service

In-house underwriting and portfolio capital solutions for non-standard scenarios.

Flexible Borrower Solutions

Structured solutions for California relocators and self-employed Arizona borrowers.

Condo Financing Expertise

Expertise with non-warrantable condominiums and resort condominium project financing.

More Loan Products

Access to jumbo and super jumbo loan, Non-QM underwriting, government backed loans, and alternative documentation programs.

Licensed Across 10 States

Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.

— COMMON QUESTIONS

Arizona Mortgage
FAQ

Have a question not answered here? Our team is available to walk through your specific scenario.

Start Your Arizona Financing Strategy

Whether you are purchasing a luxury home in Scottsdale, a resort condominium in Sedona, or an investment property in Tucson, our team can help structure the right financing solution for your goals.

→ Schedule a Strategy Consultation

The 2026 baseline conforming loan limit across most Arizona counties is $832,750 for a single-family property. Properties with loan amounts above this threshold require jumbo or portfolio financing. Our team offers competitive jumbo programs and portfolio solutions for higher loan amounts.

Arizona’s flat 2.5% state income tax is a meaningful financial advantage for high-income borrowers, business owners, and investors relocating from California. Combined with lower property prices relative to most California coastal markets, Arizona frequently offers more purchasing power and lower carrying costs for the same borrower profile. Our team regularly structures financing for California buyers purchasing primary residences, second homes, and investment properties in Arizona.

Yes. Many resort-branded and condominium projects in Scottsdale and Sedona qualify for conventional or jumbo financing when the project meets HOA, insurance, and occupancy eligibility requirements. Resort-adjacent, mixed-use, or non-warrantable projects may require portfolio or PrimeResort™ financing. Contact our team for a project-level review.

Yes. Rental income – including short-term rental income in eligible zoning areas – may be considered under DSCR, bank statement, or portfolio programs depending on property type, rental history, and loan structure.

Yes. Non-QM programs including bank statement loans, asset-based qualification, and 1099 programs are well-suited for Arizona’s high concentration of self-employed borrowers and business owners. Our team structures these scenarios regularly for both purchase and refinance transactions.

Loan amounts vary by program and borrower qualifications. Financing solutions may be available up to $30 million depending on property type, loan structure, and underwriting guidelines.

Arizona’s primary luxury real estate markets are Scottsdale and Paradise Valley in the Phoenix metro — home to communities like Silverleaf, DC Ranch, and Desert Mountain – and Sedona, which has a median home price exceeding $1.2 million and a well-established luxury resort market. Prescott and Flagstaff serve buyers seeking mountain lifestyle properties, while Lake Havasu attracts waterfront and vacation home buyers.

Sedona has demonstrated sustained price resilience and demand, driven by its limited inventory, tourism infrastructure, and strong appeal to second home and vacation property buyers. Many Sedona properties are subject to short-term rental income analysis – our team can structure DSCR qualification, portfolio financing, and PrimeResort™ programs for resort condominium acquisitions in this market.

Yes. Pacific Home Loans offers VA purchase and refinance loans throughout Arizona, including Tucson (near Davis-Monthan AFB), the Phoenix metro, and across all licensed Arizona markets. VA Renovation loans are also available for eligible borrowers.

Arizona’s Market Is Complex.
Your Financing Shouldn’t Be.

— CLIENT TESTIMONIALS

What Our Clients
Are Saying

Ryan was very professional and prompt. He was knowledgeable about the process and we would recommend him to anyone on Maui! Home buying can be a stressful process and he ensured that it ran as smoothly as possible.

J. Andrews, Home Buyer
I have used Pacific Home Loans for several mortgages and they never fail. Rates quoted are accurate and the staff are right on top of it. I would recommend Pacific Home Loans to anyone looking to buy real estate or refinance. They will not let you down.
Donnie, Home Buyer
Ginni was AMAZING!!! We couldn’t be more happy with our home buying experience! She went above and beyond!!! Best mortgage lender experience we’ve ever had!!! Thank you! Thank you! Thank you!
Stephanie H., Home Buyer

Steven and his team have helped several of our clients and friends with loans in the past. We have always enjoyed working with them and chose to have them take care of our personal home loan as well. Steven is very creative in choosing specific loan programs and helping find the best solution for the type of loan that will work for you. Two years later we chose to use them again to re-finance. Steven was able to get us a great rate. He is very thorough and has a team that follows up to answer any questions that you may have and walk you thru the process. We highly recommend Steven and his team.

Robyn Curletti, Realtor
Ginni Madsen and her team were instrumental in helping me obtain financing for our family home.  We had gone through a short sale and needed to find a lender who would work with us.  Ginni was able to find a lender  She was available by phone at almost all times we called and was patient enough to help us through everything!  I would recommend Ginni to anyone!!
Michael M., Home Buyer

The Property is unique and required a true specialist and Steven and his team we’re just the ticket. As a first time home buyer, I had many questions and concerns. They were helpful all along the way. My family was very excited when we finally got to move in to our new home. Thank you Pacific Home loans.

Chris M., First-Time Home Buyer

We recently had the pleasure of working with Ryan on a home purchase involving a 1031 exchange. It was our first exchange purchase, which involved a lot of additional details on how we could use different funds while maintaining a tax-advantaged state, we were also out of state, and managing the purchase through a period where Fed rate hikes were coming. Ryan and his team were absolute experts, there wasn’t a single question they didn’t know how to answer, they partnered with our agent and exchange team wonderfully, and set us up to actually close almost a week early with zero hitches. I’d highly recommend him and would work with him again in a heartbeat!

Alexi, Real Estate Investor

Thanks to the entire staff of Pacific Home Loans, our refi was a success! Especially when it’s not so easy to get any type of loan being self employed.

Lisa Y., Home Buyer
Ginni, I just wanted to thank you for all the help you provided to get my refinancing done. I was very pleased with your knowledge of the unique aspects of the Maui property and mortgage market. And also, throughout the process, you understood my goals and achieved them, with a competitive package and excellent, personalized customer service. It was great working with you.
Art R., Homeowner

Steven and his team were exceptional in their communication and service from when I first inquired about a loan to the day I recorded. They walked me through what to expect each step of the way. I know how busy they are, but they truly made me feel like I was the only client they were servicing. I am a real estate agent and this loan was for my personal purchase. I am happy to say that I could not have asked for my loan process to go any better, it was truly exceptional. I highly recommend Steven and his team at Pacific Home Loans, they are no ka oi, as we say it here in Hawaii! Thank you Steven and all on your team, you each made my home purchase experience wonderful! Mahalo nui!

Nicci H., Home Buyer

We Are Here For All Of Your Mortgage Needs

Let’s Find the Right
Loan for Your Scenario

Begin My Arizona Loan
SCHEDULE A CONSULTATION
Begin My Arizona Loan
SCHEDULE A CONSULTATION