Jumbo Loans in Flagstaff, AZ

The real estate market in Flagstaff has beautiful luxury properties that exceed standard loan limits. Our Jumbo loan programs offer competitive rates for high-value homes.

Real Estate in Flagstaff, Arizona

Market Insights for Flagstaff Buyers

Flagstaff offers cool pines, mountain living, and a robust university town atmosphere. It is a high-demand market for second homes and vacation rentals.

We provide service across the entire Flagstaff area, including zip codes: 86001, 86004, 86005.

Neighborhood Focus: Flagstaff

Flagstaff is a unique market. We finance luxury cabins in **Forest Highlands**, student housing investments near **NAU**, and family homes in **Continental Country Club**. Snow country appraisals require specific expertise.

Forest Highlands Continental Country Club Kachina Village Ponderosa Trails

Jumbo Loan Spotlight: Flagstaff

With a median home price of $720,000, many homes in Flagstaff exceed the conforming loan limit of $766,550. We specialize in Jumbo financing for luxury properties in this area.

Why Get a Jumbo 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 Flagstaff.

  • Key Benefit: Financing for luxury homes exceeding conforming limits.
  • Property Tax Insight: The estimated property tax rate in your area is 0.65%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Flagstaff

What is the conforming loan limit in Flagstaff?

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

Are there down payment assistance programs available?

Yes! Homebuyers in Flagstaff may be eligible for programs like Home Plus. Check your eligibility here.

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

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: Flagstaff

See how much you can save or qualify for. We offer free, no-obligation quotes for Jumbo Mortgages in the Flagstaff area.

Apply for a Jumbo Mortgage

Or call Jonathan directly:
+14803825832

Flagstaff Market Data

  • Median Price $720,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.65%
Tip: Home prices here often require Jumbo financing strategies.

Get Your Flagstaff Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
UWM
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