Conventional Loans in Cave Creek, AZ

For Cave Creek borrowers with strong credit (620+), a conventional loan often offers the lowest long-term cost with cancelable mortgage insurance.

Real Estate in Cave Creek, Arizona

Market Insights for Cave Creek Buyers

Embracing the 'Wild West' spirit, Cave Creek is ideal for buyers seeking larger lots, horse properties, and a distinct desert lifestyle north of Phoenix.

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

Neighborhood Focus: 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 Spur Cross

Down Payment Assistance (DPA) in Cave Creek

You may qualify for grants to cover your down payment! Homebuyers in Cave Creek may be eligible for programs like: Home in Five.

Don't miss out on free money! See the full requirements in our Arizona DPA Guide.

Why Get a Conventional Mortgage with a Local Lender?

Choosing a local expert matters. Our team provides highly competitive rates and deep knowledge of the local appraisal environment in Cave Creek.

  • Key Benefit: Cancelable PMI and competitive interest rates.
  • Property Tax Insight: The estimated property tax rate in your area is 0.59%. This helps accurately calculate your monthly payment (PITI).

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 Conventional Mortgages in the Cave Creek area.

Apply for a Conventional Mortgage

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
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