VA Loans in Phoenix, AZ

To the veterans in Phoenix: You've served us, now let us serve you. A VA loan allows you to buy in Phoenix with absolutely $0 down and no mortgage insurance.

Real Estate in Phoenix, Arizona

Market Insights for Phoenix Buyers

As Phoenix inventory tightens in 2025, competition for prime properties in Arcadia and North Central is fierce. Whether you are buying a historic bungalow or a modern condo downtown, you need a lender who can close fast to win the deal.

We provide service across the entire Phoenix area, including zip codes: 85001, 85002, 85003, 85004, 85005.

Neighborhood Focus: Phoenix

Phoenix is a patchwork of unique neighborhoods. We specialize in renovation financing for historic homes in **FQ Story** and **Encanto**, as well as standard financing for master-planned communities like **Desert Ridge** and **Ahwatukee**.

Arcadia North Central Desert Ridge Ahwatukee Biltmore FQ Story Encanto

Down Payment Assistance (DPA) in Phoenix

You may qualify for grants to cover your down payment! Homebuyers in Phoenix may be eligible for programs like: Home in Five, Pathway to Purchase.

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

Why Get a VA 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 Phoenix.

  • Key Benefit: 0% Down Payment and No PMI for Veterans.
  • Property Tax Insight: The estimated property tax rate in your area is 0.63%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Phoenix

What is the conforming loan limit in Phoenix?

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

Are there down payment assistance programs available?

Yes! Homebuyers in Phoenix may be eligible for programs like Home in Five, Pathway to Purchase. Check your eligibility here.

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

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: Phoenix

See how much you can save or qualify for. We offer free, no-obligation quotes for VA Loans in the Phoenix area.

Apply for a VA Loan

Or call Jonathan directly:
+14803825832

Phoenix Market Data

  • Median Price $465,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.63%
Tip: This area is excellent for low-down-payment FHA and Conventional loans.

Get Your Phoenix Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
UWM
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