First Homes and Smart Moves on Route 66.
Pillar Mortgage Group arranges Kingman home loans for first time buyers, movers from the Valley or Las Vegas, and investors eyeing a vacation rental on Route 66. FHA, VA, conventional and bank statement loans all get priced across multiple wholesale lenders, and you hear from us at every step.
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
Kingman is a crossroads town with high desert lots and a real rental market. Plan for these before you write an offer.
Kingman sits where I-40 meets US 93, about 105 miles from Las Vegas and 186 miles from Phoenix (Arizona Commerce Authority). That puts it within reach of two big job markets.
Kingman requires an annual city vacation rental permit before a home is used as a vacation rental, plus a state transaction privilege tax license (Kingman City Code). Line those up before you count on short term rent.
Kingman holds the longest remaining preserved stretch of Route 66 and has been the Mohave County seat since 1887 (Arizona Commerce Authority). If you buy an older home near downtown, give the inspection extra attention.
At 3,345 feet (Arizona Commerce Authority), some Kingman area homes sit on larger lots with wells or septic. Lenders and appraisers can ask for water and septic details, so schedule those inspections early.
Hualapai Mountain Park is the oldest park in Mohave County and still has the original stone cabins the Civilian Conservation Corps built in 1936 (Mohave County Parks). Its trails reach the highest summit in Mohave County at 8,415 feet, and the Kingman Overlook looks west over the city (Mohave County Parks). Grand Canyon West is just 70 miles north of Kingman (Visit Arizona). Moving here for the outdoors? Tell us whether it will be your full time home or a getaway, since that decides the down payment and the program.
Led by the loans that stretch furthest at Kingman prices. Every one is available in Kingman and across Mohave County.
Kingman prices give first time buyers real room. Get the Arizona first time buyer checklist and a plan from pre-approval to keys.
Primary homes, second homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Buying a vacation rental near Route 66? 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? 25.4% of Kingman residents are 65 or older (Census). Asset depletion qualifies you on liquid assets instead of a paycheck.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Moving to Kingman from the Valley or another state? 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.
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Tell us the home and the plan, whether it is a first home, a move from another city or a rental. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Kingman 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 Western Arizona town? We lend in Bullhead City, 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 Kingman 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