Home Loans in Sierra Montana

Expert lending for homes in Sierra Montana and the surrounding Surprise area.

Real Estate in Surprise, Arizona

Market Insights for Surprise Buyers

Sierra Montana is one of the most desirable areas in Surprise. Affordable family homes near the White Tank Mountains.

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 Surprise area, including zip codes: 85374, 85379, 85388.

Other Neighborhoods in 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 Sterling Grove

Popular Loan Options for Sierra Montana:

  • ✓ 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 Surprise is 0.69%. We can help you estimate your total monthly payment including taxes and insurance.

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 home loans in the Surprise area.

Apply for a 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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