New Builds, Move Ups and Growing Families.
Pillar Mortgage Group arranges home loans in Goodyear, from new construction communities to resale homes near the ballpark. We shop multiple wholesale lenders for conventional, VA, FHA and bank statement loans, and we can compare against the builder's lender before you sign.
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 2024 home loans reported under HMDA
Led by the loans that fit Goodyear moves, from a first new build to the next size up.
Purchases and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Goodyear is home to 8,335 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
Moving up? Buy your next Goodyear home before your current home sells with bridge financing. We quote your terms in writing.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Maricopa County is $557,750 (HUD).
Buying your first Goodyear home? Get the Arizona first time buyer checklist and a clear plan from pre-approval to keys.
Retired, or living on savings? Asset depletion qualifies you on liquid assets instead of a paycheck. 20.0% of Goodyear residents are 65 or older (Census).
Already own in Goodyear? Refinance to a new rate or term, or tap your equity with a cash out refinance. We compare multiple lenders before you lock.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Buying a rental in Goodyear? 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.
New communities and a fast growing job base shape how Goodyear homes get financed.
Builders often tie incentives to their own lender. Bring us the builder's offer before you sign and we will set our quote beside it, rate and closing costs together, so you can see what that incentive really costs. Building takes time, so ask us how rate locks work for your closing date.
Goodyear employers include Amazon, UPS, Sub-Zero, REI and AerSale (City of Goodyear). Shift pay, overtime or a new job? We show you exactly how lenders will count it.
Goodyear sits less than 20 minutes from downtown Phoenix (AZ Commerce), and Goodyear Ballpark hosts spring training for the Cincinnati Reds and Cleveland (AZ Commerce).
Luke Air Force Base serves about 70,000 military retirees living in greater Phoenix (Luke AFB). If you served, VA financing can mean no down payment on a home you live in.
In 1917, executive Paul Litchfield bought 16,000 acres here for the Goodyear Tire and Rubber Company, when cotton for World War I airplane tires was in short supply, and residents chose the name Goodyear in 1944 (City of Goodyear). Today more than 16 square miles of Estrella Mountain Regional Park, with 33 miles of trails, lie inside the city (City of Goodyear). Love the trails? Time the drive to your job at rush hour from any home near the park, because commute is the cost a listing never shows.
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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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Straight answers for buyers and homeowners in Goodyear and the West Valley.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping across the West Valley? We lend in every one of these cities 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 a new build or your next move up.
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