Home Loans in Spur Cross

Expert lending for homes in Spur Cross and the surrounding Cave Creek area.

Real Estate in Cave Creek, Arizona

Market Insights for Cave Creek Buyers

Spur Cross is one of the most desirable areas in Cave Creek. Large lots near the conservation area for outdoor lovers.

When buying in this specific neighborhood, it is crucial to have a financing strategy that matches your goals. We offer a full suite of loan products tailored to this market.

We provide service across the entire Cave Creek area, including zip codes: 85331.

Other Neighborhoods in Cave Creek

Appraising properties in Cave Creek requires local knowledge of horse amenities and wells. We finance many homes in **Tatum Ranch** and **Rancho Manana**.

Tatum Ranch Rancho Manana Dove Valley Ranch

Popular Loan Options for Spur Cross:

  • ✓ Jumbo Loans: Essential for high-value homes in Spur Cross that exceed the conforming limit.
  • ✓ Conventional Loans: Competitive rates for 30-year and 15-year fixed mortgages with as little as 3% down.
  • ✓ FHA & VA: Flexible options for qualifying buyers, including 0% down for Veterans.
  • ✓ DSCR Loans: Investor financing for rental properties based on cash flow, not tax returns.

Local Insight: The estimated property tax rate in Cave Creek is 0.59%. We can help you estimate your total monthly payment including taxes and insurance.

Frequently Asked Questions in Cave Creek

What is the conforming loan limit in Cave Creek?

For 2025, the standard conforming loan limit for Cave Creek is $766,550. Loans above this amount typically require Jumbo financing.

Are there down payment assistance programs available?

Yes! Homebuyers in Cave Creek may be eligible for programs like Home in Five. Check your eligibility here.

What credit score do I need to buy a house in Cave Creek?

It depends on the loan program. Generally, FHA loans allow scores as low as 580, while Conventional loans typically require 620+. For Jumbo loans in luxury areas, a score of 700+ is often needed.

Rate Quote: Cave Creek

See how much you can save or qualify for. We offer free, no-obligation quotes for home loans in the Cave Creek area.

Apply for a Loan

Or call Jonathan directly:
+14803825832

Cave Creek Market Data

  • Median Price $890,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.59%
Tip: Home prices here often require Jumbo financing strategies.

Get Your Cave Creek Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
UWM
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