Home Loans in The Refuge

Expert lending for homes in The Refuge and the surrounding Lake Havasu City area.

Real Estate in Lake Havasu City, Arizona

Market Insights for Lake Havasu City Buyers

The Refuge is one of the most desirable areas in Lake Havasu City. Gated golf course community on the water.

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 Lake Havasu City area, including zip codes: 86403, 86404, 86406.

Other Neighborhoods in 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.

Residential Estates Havasu Foothills Crazy Horse

Popular Loan Options for The Refuge:

  • ✓ 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 Lake Havasu City is 0.68%. We can help you estimate your total monthly payment including taxes and insurance.

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 home loans in the Lake Havasu City area.

Apply for a Loan

Or call Jonathan directly:
+14803825832

Lake Havasu City Market Data

  • Median Price $510,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.68%
Tip: This area is excellent for low-down-payment FHA and Conventional loans.

Get Your Lake Havasu City Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
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