Home Loans in Chapel Area

Expert lending for homes in Chapel Area and the surrounding Sedona area.

Real Estate in Sedona, Arizona

Market Insights for Sedona Buyers

Chapel Area is one of the most desirable areas in Sedona. Upscale neighborhood near the Chapel of the Holy Cross.

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 Sedona area, including zip codes: 86336, 86351.

Other Neighborhoods in 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 Uptown

Popular Loan Options for Chapel Area:

  • ✓ Jumbo Loans: Essential for high-value homes in Chapel Area 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 Sedona is 0.55%. We can help you estimate your total monthly payment including taxes and insurance.

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 home loans in the Sedona area.

Apply for a Loan

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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