Jumbo Loans in Sedona, AZ

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

Real Estate in Sedona, Arizona

Market Insights for Sedona Buyers

World-famous for its red rocks, Sedona is a premier destination for luxury second homes and high-income short-term rentals.

We provide service across the entire Sedona area, including zip codes: 86336, 86351.

Neighborhood Focus: Sedona

Sedona is a heavy **Jumbo loan** and **DSCR investor** market. We understand the nuances of buying in West Sedona vs. the Village of Oak Creek, including strict STR regulations in certain HOAs.

West Sedona Village of Oak Creek Chapel Area Uptown

Jumbo Loan Spotlight: Sedona

With a median home price of $1,100,000, many homes in Sedona 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 Sedona.

  • Key Benefit: Financing for luxury homes exceeding conforming limits.
  • Property Tax Insight: The estimated property tax rate in your area is 0.55%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Sedona

What is the conforming loan limit in Sedona?

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

Are there down payment assistance programs available?

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

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

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: Sedona

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

Apply for a Jumbo Mortgage

Or call Jonathan directly:
+14803825832

Sedona Market Data

  • Median Price $1,100,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.55%
Tip: Home prices here often require Jumbo financing strategies.

Get Your Sedona Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
UWM
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