Home Loans in Downtown Historic District
Expert lending for homes in Downtown Historic District and the surrounding Prescott area.
Market Insights for Prescott Buyers
Downtown Historic District is one of the most desirable areas in Prescott. Victorian homes within walking distance of the Plaza.
When buying in this specific neighborhood, it is crucial to have a financing strategy that matches your goals. We offer a full suite of loan products tailored to this market.
We provide service across the entire Prescott area, including zip codes: 86301, 86303, 86305.
Other Neighborhoods in 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.
Popular Loan Options for Downtown Historic District:
- ✓ Jumbo Loans: Essential for high-value homes in Downtown Historic District that exceed the conforming limit.
- ✓ Conventional Loans: Competitive rates for 30-year and 15-year fixed mortgages with as little as 3% down.
- ✓ FHA & VA: Flexible options for qualifying buyers, including 0% down for Veterans.
- ✓ DSCR Loans: Investor financing for rental properties based on cash flow, not tax returns.
Local Insight: The estimated property tax rate in Prescott is 0.60%. We can help you estimate your total monthly payment including taxes and insurance.
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 home loans in the Prescott area.
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Or call Jonathan directly:
+14803825832
Prescott Market Data
- Median Price $650,000
- Conforming Limit $766,550
- Property Tax (Est) 0.60%
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Your Loan Expert
Jonathan Moses
NMLS #2064741
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