River Homes, First Homes and Rentals on the Colorado.
Pillar Mortgage Group arranges home loans in Bullhead City, from a first home to a river getaway to a short term rental near Lake Mohave. We shop multiple wholesale lenders for FHA, VA, second home, conventional and DSCR loans, then stay with you until you are unpacking by the river.
Facts checked November 8, 2026. Not a commitment to lend.
67.7 / 17.3 / 14.1
Mohave County loan mix
Percent conventional, FHA and VA of 2024 home loans reported under HMDA · CFPB HMDA
River homes and rentals come with their own rules. Plan for these before you write an offer.
Homes rented for 30 days or less need a Bullhead City short term rental permit ($250 a year), a state TPT license, Mohave County registration and at least $1 million in liability insurance (City of Bullhead City). Budget for all of it before you count on rent.
The Colorado River is one of Bullhead City's signature attractions (Arizona Commerce Authority). Keep the house for your own trips and it can finance as a second home, up to 90% loan to value on eligible files (Fannie Mae). Rent it by the night and the city permit above applies, and the loan may need investment or DSCR financing.
Davis Dam, finished in 1951, created Lake Mohave with more than 33 miles of shoreline in the Lake Mead National Recreation Area (Arizona Commerce Authority). If water access matters to you, tell us early so we can plan the appraisal and insurance around it.
Bullhead City sits at 504 feet, about 99 miles from Las Vegas (Arizona Commerce Authority). Summer heat is serious, so check the cooling system, roof and insurance quote before you offer.
Visit Arizona calls Bullhead City Arizona's gateway to casino gaming in neighboring Laughlin, Nevada, and says the Colorado River creates a strip of outdoor recreation destinations here (Visit Arizona). Community Park has its own launch ramp (City of Bullhead City). Living here full time or just visiting on weekends? A weekend house can finance as a second home as long as it stays for your own use.
Led by the loans that fit river town moves. Every one is available in Bullhead City and across Mohave County.
Want a getaway on the Colorado? Conventional second home financing can go up to 90% loan to value on eligible files (Fannie Mae), so 10% down. The home has to be for your own use, not a full time rental.
Buying a short term rental? DSCR loans qualify on the property's rent, with ratios as low as 0.50 on eligible programs, and you can close in an LLC.
Retired or living on savings? 34.3% of Bullhead City residents are 65 or older (Census). Asset depletion qualifies you on liquid assets instead of a paycheck.
Bullhead City prices give first time buyers room to move. Get the Arizona first time buyer checklist and a plan from pre-approval to keys.
Primary homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Moving to the river from the Valley or out of state? Buy before your current home sells with bridge financing. We quote your terms in writing.
See the full monthly payment, including taxes, insurance, HOA and mortgage insurance. Your numbers stay in your browser.
Estimated monthly payment
Enter a rate
Down payment$0
Loan amount$0
Estimate only, not a quote or a commitment to lend. FHA figures use HUD's 1.75% upfront premium (financed) and HUD's annual premium by loan size and down payment (on 30 year loans, 0.50% or 0.55% for base loans of $726,200 or less and 0.70% or 0.75% above that; on 15 year loans, 0.15% or 0.40% for base loans of $726,200 or less and 0.15%, 0.40% or 0.65% above that); VA figures use VA's funding fee for first use (2.15% under 5% down, 1.5% at 5% to under 10%, 1.25% at 10% or more), financed. Conventional loans under 20% down usually carry PMI; enter your quote. Taxes and insurance vary by home.
Bullhead City is highlighted. We lend everywhere in Arizona. Tap another city to open its guide.
Western Arizona
Bullhead City
Mohave County. You are on this guide.
Small towns and close neighbors, tap to open:
Map geometry: US Census Bureau cartographic boundary files. City points: GeoNames gazetteer. Interstates simplified.
Tell us the home and the plan, whether it is a first home, a river getaway or a rental. A real person follows up with your options, usually the same day.
No commitment · Under 2 minutes
We will reach out shortly with your options.
Straight answers for buyers and homeowners in Bullhead City and Mohave County.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping more than one river or high desert town? We lend in Kingman, Lake Havasu City and everywhere else in Arizona.
Primary sources, each checked November 8, 2026. Program terms come from Pillar Mortgage Group and are subject to change.
Reviewed by Pillar Mortgage Group. Last reviewed November 2026.
Pre-approval, a lender comparison and a straight answer on what you qualify for, for your Bullhead City home.
Pillar Mortgage Group, LLC is an Equal Housing Lender, doing business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. Not a commitment to lend.
Company NMLS #2700076 | Arizona Mortgage Broker License MB-2009671 | View NMLS Consumer Access