Move Ups, Family Homes and First Homes in Gilbert.
Pillar Mortgage Group arranges home loans across Gilbert, from a move up that needs to happen before the current home sells to a first home near the Heritage District. We shop multiple wholesale lenders for conventional, FHA, VA, jumbo, bank statement and bridge loans, then keep you and your agent updated until you have the keys.
Facts checked November 8, 2026. Not a commitment to lend.
Maricopa County loan mix
77.3 / 15.6 / 7.1
Percent conventional, FHA and VA of Maricopa County 2024 home loans reported under HMDA
Led by the loans that fit Gilbert moves. Every one is available across the town and the Southeast Valley.
Found the next Gilbert home before yours sells? Bridge financing lets you buy first, move once and sell after, without a contingent offer. We quote your terms in writing.
Gilbert's median home value of $575,100 (Census) sits well inside the $832,750 conforming limit (FHFA). Put 20% down and skip PMI, or put less down and compare PMI quotes.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Maricopa County is $557,750 (HUD), so FHA fits homes up to around the Gilbert median.
Gilbert is home to 12,111 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
Get the Arizona first time buyer checklist and a clear plan from pre-approval to keys.
Any loan above the 2026 conforming limit of $832,750 (FHFA) is a jumbo loan. We shop jumbo lenders so the bigger number still gets real options.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Buying a 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? Asset depletion qualifies you on liquid assets instead of a paycheck.
Gilbert prices sit right where loan programs change. Plan for these before you write an offer.
At the $575,100 median home value (Census), an FHA loan with 3.5% down would be $554,972 before the upfront premium, just under the $557,750 county limit (HUD) (our math). Above that price, conventional or a bigger down payment takes over.
73.1% of Gilbert homes are owner occupied (Census). If you already own, selling first means moving twice; buying first with a contingency weakens your offer. Bridge financing solves both.
Gilbert highlights include the Heritage District, the Riparian Preserve and Agritopia, a 166 acre mixed use planned community (Arizona Commerce Authority). Planned communities often come with an HOA, and the dues go into your payment.
Gilbert's Office of Economic Development lists Banner MD Anderson Cancer Center, Banner Gateway Medical Center and Northrop Grumman among the notable employers in its employment areas (Gilbert Economic Development). Relocating for work? We can line up a pre-approval before you arrive.
The Riparian Preserve at Water Ranch spans 110 acres, with more than four and a half miles of paths and about 298 bird species recorded (Town of Gilbert). It also has an observatory and a lake the Arizona Game and Fish Department designates as an urban fishing resource (Town of Gilbert). Torn between a home by the preserve and one across town? We will show you the exact payment on each so the choice comes down to lifestyle.
See the full monthly payment, including taxes, insurance, HOA and mortgage insurance. Your numbers stay in your browser.
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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.
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Tell us the home and the plan, whether it is a move up, a first home or a relocation. 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 Gilbert and the Southeast Valley.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping across the Southeast Valley? We lend in every city around Gilbert 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, whether you are moving up or buying your first Gilbert 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