The Best Mortgage Lenders in Sells, AZ
Compare verified mortgage lenders serving Sells, Arizona. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Sells
Featured Mortgage Lenders
Desert Financial Credit Union Mortgage Team
Desert Financial Credit Union
Desert Financial Credit Union is Arizona's largest credit union with extensive experience serving rural communities across the state. They have particular expertise with USDA loans which are well-suited for the Sells area, and they regularly work with borrowers throughout Pima County. Their high customer satisfaction ratings reflect their personalized approach to mortgage lending and competitive rates for members.
Loan Types:
NOVA Home Loans
NOVA Home Loans
NOVA Home Loans has a strong presence in southern Arizona with specific expertise in rural and tribal lending programs. They have extensive experience working with the Tohono O'odham Nation and offer specialized Native American housing loan programs. Their Tucson office regularly serves clients in Sells and surrounding communities, with loan officers who understand the unique aspects of rural property financing.
Loan Types:
Alliance Home Mortgage
Alliance Home Mortgage
Alliance Home Mortgage is a highly-rated Tucson-based lender that serves the entire southern Arizona region, including rural communities like Sells. They specialize in USDA rural development loans which are particularly relevant for the Sells area, and they have a reputation for excellent customer service and competitive rates. Their loan officers have extensive experience with the unique requirements of rural property financing in Pima County.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Sells, AZ
What are the typical mortgage rates available for homebuyers in Sells, Arizona?
Mortgage rates in Sells are generally aligned with national averages, but buyers should expect slightly higher rates due to the rural nature of the area and smaller local lender presence. It's advisable to compare offers from regional banks, credit unions, and national lenders to secure the most competitive rate, which currently ranges from 6.5% to 7.5% for 30-year fixed loans depending on credit profile and loan type.
Are there any special mortgage programs available for first-time homebuyers in Sells?
Yes, the Arizona Department of Housing offers the Home Plus program, which provides down payment assistance and competitive interest rates for first-time buyers in Sells. Additionally, the Tohono O'odham Nation may offer housing programs for tribal members, including special financing options through the Tohono O'odham Ki:Ki Association for those purchasing homes on tribal lands.
How does the rural location of Sells affect the mortgage approval process?
Sells' rural designation can impact mortgage approval through USDA loans, which are specifically designed for rural areas and offer 100% financing with no down payment required. However, appraisals may take longer due to fewer comparable properties in the area, and some lenders might have additional requirements for properties with well water or septic systems common in this region.
What should I know about property taxes and insurance when getting a mortgage in Sells?
Pima County property taxes in Sells are relatively affordable compared to urban areas, typically ranging from 0.5% to 0.7% of assessed value. However, homeowners insurance may be higher due to the remote location and increased wildfire risk in the Sonoran Desert. Many lenders will require evidence of adequate insurance coverage before closing on your mortgage.
Are there any local down payment assistance programs specifically for Sells residents?
While Sells residents can access statewide programs like the Home Plus program, the Tohono O'odham Nation Housing Authority offers specific assistance programs for enrolled tribal members. These may include down payment assistance, closing cost help, and special loan terms. Non-tribal buyers should explore Pima County's housing programs and consult with local lenders familiar with the Sells market.
Why Choose a Mortgage Lender in Sells?
Local Market Knowledge
Lenders who understand Sells'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 Sells and get competitive rates on your home loan.