Lake Homes, Second Homes and Full Time Moves.
Pillar Mortgage Group arranges home loans in Lake Havasu City, from a weekend lake house to a full time retirement move or a rental near the water. We shop multiple wholesale lenders for second home, conventional, asset depletion, VA and DSCR loans, then keep you posted until the lake house is yours.
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
Lake homes and getaways come with their own rules. Plan for these before you write an offer.
35.2% of Lake Havasu City residents are 65 or older (Census). Buying a winter lake house for yourself? That can finance as a second home. Handing the keys to renters most weekends? Expect investment financing, or a DSCR loan that qualifies on the rent with ratios as low as 0.50 on eligible programs.
Lake Havasu City was founded in 1964 as a master planned community and incorporated in 1978 (Arizona Commerce Authority). Neighborhoods vary a lot in age, so match your inspection to the home.
The Colorado River forms the city's western border, and the London Bridge, relocated from England, sits in town (Arizona Commerce Authority). Ask about flood zone status and get an insurance quote early on homes near the water.
Planning a vacation rental? Check the city's current rules and register for the required state tax license before you count on short term rent.
The winning bid for the London Bridge, $2.4 million, came on April 18, 1968, and Lake Havasu City rededicated it on October 10, 1971, after about three years of reconstruction (Go Lake Havasu). Today it spans the 930 foot Bridgewater Channel and links the mainland to an island with shops, restaurants, hotels, resorts and housing (Go Lake Havasu). Eyeing a place on the island or near the channel? Send us the address early so the insurance quote and any HOA dues are in your payment before you offer.
Led by the loans that fit lake town moves. Every one is available in Lake Havasu City and across Mohave County.
Buying a getaway on the water? 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.
Retired or living on savings? 35.2% of Lake Havasu City residents are 65 or older (Census). Asset depletion qualifies you on liquid assets instead of a paycheck.
Primary homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Waterfront and view homes can run past $832,750 (FHFA). Jumbo financing covers the homes conforming loans cannot.
Buying a vacation rental for lake season? 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.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Mohave County is $541,287 (HUD).
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Moving to the lake full time? Buy your Lake Havasu home 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 lake house, a full time move 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 Lake Havasu 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 town? We lend in Bullhead City, Kingman 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 Lake Havasu 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