Homes in One of Arizona's Oldest Towns.
Pillar Mortgage Group arranges home loans in Florence, from a first home to a retirement move or a refinance in the Pinal County seat. We shop multiple wholesale lenders for conventional, FHA, asset depletion and VA loans, then follow the file until it records at the county seat.
Facts checked November 8, 2026. Not a commitment to lend.
Pinal County loan mix
55.5 / 31.9 / 11.7
Percent conventional, FHA and VA of 2024 home loans reported under HMDA
Led by the loans that fit an owner heavy county seat. Every one is available in Florence and across Pinal County.
Primary homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
As little as 3.5% down with flexible credit. 31.9% of 2024 Pinal County home loans were FHA (CFPB HMDA), and the 2026 county limit is $557,750 (HUD).
Ready to stop renting? Get the Arizona first time buyer checklist and a plan from pre-approval to keys.
Retired or living on savings? 21.8% of Florence residents are 65 or older (Census). Asset depletion qualifies you on liquid assets instead of a paycheck.
Florence is home to 1,792 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Buying a rental in Pinal County? 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.
Moving to Florence from the Valley? Buy before your current home sells with bridge financing. We quote your terms in writing.
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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.
Florence mixes historic homes with newer neighborhoods. Plan for these before you write an offer.
Founded in 1866, Florence is one of the oldest towns in Arizona, with a historic district on the National Register of Historic Places (Arizona Commerce Authority). Older homes deserve a careful inspection and an early insurance quote.
Florence is the seat of Pinal County, halfway between the Phoenix and Tucson metro areas (Arizona Commerce Authority). Lenders qualify you on your income, wherever you work.
Florence's median home value is $346,300 (Census), well under Pinal County's 2026 FHA limit of $557,750 (HUD). A median priced home here fits FHA with as little as 3.5% down.
At 1,500 feet, about 61 miles from Phoenix (Arizona Commerce Authority), Florence sits at the edge of the Valley. If the home has a larger lot, a well, septic or HOA dues, raise them before you offer so nothing surprises you at closing.
Every Thanksgiving weekend Florence hosts the Junior Parada, which the town calls the world's oldest children's rodeo, for riders ages 5 to 18 (Town of Florence). Downtown, the original 1878 McFarland courthouse is now a state historic park with a museum and visitor center (Arizona State Parks). Buying an older home downtown? Order the inspection the day your offer is accepted so repairs never stall the loan.
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Tell us the home and the plan, whether it is your first home, a retirement move or a refinance. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Florence and Pinal County.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping Pinal County or the Tucson side? We lend in San Tan Valley, Oro Valley 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 Florence 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