FHA Loans in Lake Havasu City, AZ
Buying a home in Lake Havasu City doesn't require a massive down payment. An FHA loan is perfect for Lake Havasu City residents with credit scores starting at 580.
Market Insights for Lake Havasu City Buyers
Home to the London Bridge, Lake Havasu is a waterfront playground. It is a prime market for vacation homes, RV-garage properties, and winter visitors.
We provide service across the entire Lake Havasu City area, including zip codes: 86403, 86404, 86406.
Neighborhood Focus: Lake Havasu City
The market here is driven by lifestyle. Homes with **RV garages** and **lake views** command a premium. We offer specialized second-home financing for this unique market.
Down Payment Assistance (DPA) in Lake Havasu City
You may qualify for grants to cover your down payment! Homebuyers in Lake Havasu City may be eligible for programs like: Home Plus.
Don't miss out on free money! See the full requirements in our Arizona DPA Guide.
Why Get a FHA Loan with a Local Lender?
Choosing a local expert matters. Our team provides highly competitive rates and deep knowledge of the local appraisal environment in Lake Havasu City.
- Key Benefit: Low 3.5% down payment and flexible credit guidelines.
- Property Tax Insight: The estimated property tax rate in your area is 0.68%. This helps accurately calculate your monthly payment (PITI).
Frequently Asked Questions in Lake Havasu City
What is the conforming loan limit in Lake Havasu City?
For 2025, the standard conforming loan limit for Lake Havasu City is $766,550. Loans above this amount typically require Jumbo financing.
Are there down payment assistance programs available?
Yes! Homebuyers in Lake Havasu City may be eligible for programs like Home Plus. Check your eligibility here.
What credit score do I need to buy a house in Lake Havasu City?
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: Lake Havasu City
See how much you can save or qualify for. We offer free, no-obligation quotes for FHA Loans in the Lake Havasu City area.
Apply for a FHA Loan
Or call Jonathan directly:
+14803825832
Lake Havasu City Market Data
- Median Price $510,000
- Conforming Limit $766,550
- Property Tax (Est) 0.68%
Get Your Lake Havasu City Rate Quote
Your Loan Expert
Jonathan Moses
NMLS #2064741
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