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Pima, AZ

The Best Mortgage Lenders in Pima, AZ

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

3
Top Lenders
4.7
Avg Rating
571+
Reviews
9
Loan Types

Available Loan Programs in Pima

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
First-time Homebuyer
Down Payment Assistance

Featured Mortgage Lenders

1

Mortgage Specialist Team

Vantage West Credit Union

★★★★☆
4.8/5

Vantage West Credit Union stands out as one of Southern Arizona's most trusted mortgage lenders with deep community roots and exceptional member service. While headquartered in Tucson, they actively serve Pima residents with personalized mortgage solutions. Their mortgage specialists receive consistently high ratings for their local market expertise, competitive rates, and commitment to making the home financing process smooth and transparent. As a member-owned financial cooperative, they prioritize customer satisfaction over profits, offering flexible underwriting and educational resources for first-time homebuyers.

Experience:15 years
Reviews:215 customer reviews
1650 W Valencia Rd, Tucson, AZ 85746

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
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2

Tucson Mortgage Division

Academy Mortgage Corporation

★★★★☆
4.7/5

Academy Mortgage Corporation's Tucson branch has built an outstanding reputation for serving Pima County homebuyers with exceptional expertise and reliability. Their local loan officers are praised for their responsiveness and deep knowledge of Arizona's unique housing market. The company specializes in streamlining the mortgage process with in-house underwriting and processing, often closing loans faster than competitors. With strong relationships with real estate professionals throughout the region and a commitment to community involvement, they've become a go-to choice for Pima residents seeking competitive rates and personalized service.

Experience:12 years
Reviews:189 customer reviews
6390 E Grant Rd, Tucson, AZ 85715

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinance
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3

Southern Arizona Lending Team

Guild Mortgage Company

★★★★☆
4.6/5

Guild Mortgage has established a strong presence in Southern Arizona with their Tucson office actively serving Pima homebuyers. They're particularly noted for their expertise with government-backed loans and down payment assistance programs, making homeownership accessible to more Pima residents. Their local team receives consistent praise for guiding borrowers through complex situations and providing educational resources throughout the homebuying journey. With decades of experience and a customer-first approach, Guild Mortgage combines the stability of a national lender with the personalized attention of a local company, offering competitive rates and flexible loan options.

Experience:14 years
Reviews:167 customer reviews
1840 E River Rd #230, Tucson, AZ 85718

Loan Types:

ConventionalFHAVAUSDADown Payment AssistanceRefinance
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Frequently Asked Questions

Common questions about mortgage lending in Pima, AZ

What are the current mortgage rates like in Pima, AZ?

Mortgage rates in Pima are generally competitive with national averages but can be influenced by local market conditions. As of late 2023, rates for 30-year fixed mortgages typically range from 6.5% to 7.5%, though this varies by lender and borrower qualifications. Working with a local lender who understands Pima's specific market dynamics can help you secure the best available rate.

Are there any first-time homebuyer programs specific to Pima, AZ?

Yes, Pima County offers several first-time homebuyer programs including the Pima County Home Buyer Assistance Program which provides down payment and closing cost assistance. The Arizona Department of Housing also offers the Home Plus program, which provides competitive interest rates and down payment assistance up to 5% of the loan amount for eligible buyers in Pima County.

How does Pima's desert climate and water availability affect mortgage lending requirements?

Lenders in Pima may require additional inspections for properties with wells or septic systems due to water scarcity concerns. Some lenders might be more cautious about properties relying on hauled water or having questionable water rights. It's important to work with a lender familiar with Pima's unique desert property considerations to ensure your mortgage process goes smoothly.

What special considerations should I know about when getting a mortgage for a manufactured home in Pima?

Financing manufactured homes in Pima requires specific loan programs like FHA, VA, or USDA loans, as conventional financing may have stricter requirements. The home must be on a permanent foundation and meet HUD standards. Local lenders experienced with Pima's many manufactured home communities can guide you through the specific documentation and appraisal requirements.

How do property taxes in Pima County impact mortgage payments and affordability?

Pima County has relatively moderate property tax rates compared to national averages, typically around 0.70% of assessed value. However, your mortgage lender will include these taxes in your monthly payment through an escrow account. It's important to factor in both primary property taxes and secondary taxes for special districts when calculating your total housing payment affordability.

Nearby Cities

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Why Choose a Mortgage Lender in Pima?

Local Market Knowledge

Lenders who understand Pima'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 Pima and get competitive rates on your home loan.