Conventional Loans in Prescott, AZ

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

Real Estate in Prescott, Arizona

Market Insights for Prescott Buyers

Prescott offers historic charm, mild four-season weather, and is consistently ranked as a top retirement destination in the Southwest.

We provide service across the entire Prescott area, including zip codes: 86301, 86303, 86305.

Neighborhood Focus: Prescott

From the Victorian homes near the **Courthouse Plaza** to the pine-covered lots in **Hassayampa Village**, Prescott attracts a diverse mix of retirees and remote workers.

Hassayampa Village Prescott Lakes Downtown Historic District Williamson Valley

Down Payment Assistance (DPA) in Prescott

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

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 Prescott.

  • Key Benefit: Cancelable PMI and competitive interest rates.
  • Property Tax Insight: The estimated property tax rate in your area is 0.60%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Prescott

What is the conforming loan limit in Prescott?

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

Are there down payment assistance programs available?

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

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

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: Prescott

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

Apply for a Conventional Mortgage

Or call Jonathan directly:
+14803825832

Prescott Market Data

  • Median Price $650,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.60%
Tip: Home prices here often require Jumbo financing strategies.

Get Your Prescott Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

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