FHA Loans in Surprise, AZ

Buying a home in Surprise doesn't require a massive down payment. An FHA loan is perfect for Surprise residents with credit scores starting at 580.

Real Estate in Surprise, Arizona

Market Insights for Surprise Buyers

Surprise has evolved into a major Northwest Valley hub with excellent recreation, spring training, and high-quality master-planned communities.

We provide service across the entire Surprise area, including zip codes: 85374, 85379, 85388.

Neighborhood Focus: Surprise

We finance many retirees in **Sun City Grand**, as well as young families in **Marley Park**. Understanding the specific age-restricted lending guidelines is key for parts of this market.

Sun City Grand Marley Park Sierra Montana Sterling Grove

Down Payment Assistance (DPA) in Surprise

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

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

Why Get a FHA 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 Surprise.

  • Key Benefit: Low 3.5% down payment and flexible credit guidelines.
  • Property Tax Insight: The estimated property tax rate in your area is 0.69%. This helps accurately calculate your monthly payment (PITI).

Frequently Asked Questions in Surprise

What is the conforming loan limit in Surprise?

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

Are there down payment assistance programs available?

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

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

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: Surprise

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

Apply for a FHA Loan

Or call Jonathan directly:
+14803825832

Surprise Market Data

  • Median Price $460,000
  • Conforming Limit $766,550
  • Property Tax (Est) 0.69%
Tip: This area is excellent for low-down-payment FHA and Conventional loans.

Get Your Surprise Rate Quote

Jonathan Moses

Your Loan Expert

Jonathan Moses

NMLS #2064741

Premier Partner
UWM
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