Home Loans in Rancho Santa Fe

Expert lending for homes in Rancho Santa Fe and the surrounding Kingman area.

Real Estate in Kingman, Arizona

Market Insights for Kingman Buyers

Rancho Santa Fe is one of the most desirable areas in Kingman. Newer development popular with families.

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 Kingman area, including zip codes: 86401, 86409.

Other Neighborhoods in Kingman

Kingman is a strong market for FHA and USDA loans. We see growth in the **Hualapai Foothills** area where buyers can get larger lots for a fraction of the price of Phoenix.

Hualapai Foothills Cerbat Cliffs Deserthaven

Popular Loan Options for Rancho Santa Fe:

  • ✓ 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 Kingman is 0.75%. We can help you estimate your total monthly payment including taxes and insurance.

Frequently Asked Questions in Kingman

What is the conforming loan limit in Kingman?

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

Are there down payment assistance programs available?

Yes! Homebuyers in Kingman may be eligible for programs like Home Plus, USDA Rural Development. Check your eligibility here.

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

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: Kingman

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

Apply for a Loan

Or call Jonathan directly:
+14803825832

Kingman Market Data

  • Median Price $325,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.75%
Tip: This area is excellent for low-down-payment FHA and Conventional loans.

Get Your Kingman Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
UWM
Click to Upload File (PDF, PNG, JPG up to 10MB)
By checking this box, you provide your express written consent for Roadrunner AZ Lending to contact you at the phone number and email provided, including by text (SMS/MMS) and auto-dialed calls, for marketing purposes. Msg & data rates may apply. Reply STOP to opt-out.
Secure Submission directly to Jonathan Moses.