SSL Secured
Privacy Protected
Licensed & Regulated
MortgageLenderNearMe
Bellemont, AZ

The Best Mortgage Lenders in Bellemont, AZ

Compare verified mortgage lenders serving Bellemont, Arizona. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
796+
Reviews
11
Loan Types

Available Loan Programs in Bellemont

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
Renovation
Investment Properties
Reverse Mortgages
First-time Homebuyer Programs

Featured Mortgage Lenders

1

Mountain America Credit Union Mortgage Team

Mountain America Credit Union

★★★★☆
4.8/5

Mountain America Credit Union stands out as one of Northern Arizona's most trusted mortgage lenders with deep community roots and exceptional member service. While technically headquartered in Utah, their Flagstaff branch actively serves the Bellemont community with personalized mortgage solutions. They consistently receive high marks for competitive rates, local underwriting expertise, and their commitment to making homeownership accessible. Their mortgage specialists have extensive experience with Northern Arizona's unique housing market and provide comprehensive guidance through every step of the home financing process.

Experience:15 years
Reviews:285 customer reviews
1750 S Woodlands Village Blvd, Flagstaff, AZ 86001

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
Visit Website
2

Sunstreet Mortgage Group

Sunstreet Mortgage, LLC

★★★★☆
4.9/5

Sunstreet Mortgage has built an outstanding reputation as a local Flagstaff mortgage broker serving the entire Northern Arizona region, including Bellemont. They excel at finding creative financing solutions and are particularly praised for their responsive communication and attention to detail. With numerous 5-star reviews highlighting smooth closing processes and competitive rates, they've become a go-to choice for homebuyers in the area. Their team's deep knowledge of local market conditions and dedication to client education makes them particularly valuable for first-time homebuyers in the Bellemont area.

Experience:12 years
Reviews:187 customer reviews
1751 S Plaza Way, Flagstaff, AZ 86001

Loan Types:

ConventionalFHAVAUSDAJumboRenovationInvestment Properties
Visit Website
3

Guild Mortgage Company - Flagstaff

Guild Mortgage Company

★★★★☆
4.7/5

Guild Mortgage's Flagstaff branch brings national lending power with local expertise to serve Bellemont residents. As one of the largest independent mortgage lenders in the U.S., they offer an extensive range of loan products while maintaining the personalized service of a local company. Their experienced loan officers are particularly skilled at navigating complex financing situations and providing educational resources to borrowers. Guild receives consistent praise for their reliable communication, efficient processing, and commitment to finding the right mortgage solution for each client's unique circumstances in the Northern Arizona market.

Experience:18 years
Reviews:324 customer reviews
1750 S Woodlands Village Blvd #120, Flagstaff, AZ 86001

Loan Types:

ConventionalFHAVAUSDAReverse MortgagesRefinanceFirst-time Homebuyer Programs
Visit Website

Frequently Asked Questions

Common questions about mortgage lending in Bellemont, AZ

What are the current mortgage rates like for homes in Bellemont, AZ?

Mortgage rates in Bellemont are generally competitive with national averages, but can be slightly influenced by the Flagstaff-area market. As a rural community, Bellemont offers a mix of conventional and rural development loans, with current rates typically ranging from the mid-6% to low-7% for 30-year fixed mortgages, depending on credit and loan type.

Are there any special loan programs for Bellemont homebuyers given its rural location?

Yes, Bellemont's location makes many properties eligible for USDA Rural Development loans, which offer 100% financing with no down payment requirement. Additionally, Arizona offers state-specific programs like the Home Plus mortgage, which provides down payment assistance that can be particularly valuable in Coconino County's competitive market.

How does Bellemont's proximity to Flagstaff affect mortgage lending and home values?

Bellemont's location just 15 minutes from Flagstaff creates strong demand while offering more affordable housing options. Lenders often view this proximity favorably, recognizing the area's stability and growth potential. However, you'll find that appraisals may need to account for both Bellemont's rural character and Flagstaff's influence on property values.

What should I know about property taxes and insurance when getting a mortgage in Bellemont?

Coconino County property taxes in Bellemont are relatively moderate compared to urban Arizona areas, typically around 0.6-0.8% of assessed value. However, insurance costs can be higher due to wildfire risk in the surrounding forest areas, which lenders will factor into your debt-to-income ratio calculations.

Are there specific considerations for manufactured or modular homes in Bellemont mortgages?

Yes, Bellemont has many manufactured and modular homes, which require special lending considerations. These properties typically need to be on permanent foundations and meet HUD standards to qualify for conventional financing. Local lenders familiar with Bellemont's housing stock can guide you through the specific requirements for these property types.

Nearby Cities

Explore mortgage lenders in cities near Bellemont, AZ

Why Choose a Mortgage Lender in Bellemont?

Local Market Knowledge

Lenders who understand Bellemont's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Arizona.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Bellemont and get competitive rates on your home loan.