FHA, VA and First Homes in the East Valley.
Pillar Mortgage Group arranges home loans across Mesa, from a first home with FHA to a VA purchase or a move up near the Gateway corridor. FHA, VA, conventional, bank statement and DSCR loans all come priced from multiple wholesale lenders, and your agent hears from us at every step.
Facts checked November 8, 2026. Not a commitment to lend.
Led by the loans that fit Mesa prices. Every one is available across the city and the East Valley.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Maricopa County is $557,750 (HUD), well above the Mesa median home value of $408,000 (Census).
Mesa is home to 28,865 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.
Purchases and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
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.
Moving up? Buy your next home before your current one sells with bridge financing. We quote your terms in writing.
Retired, or living on savings? Asset depletion qualifies you on liquid assets instead of a paycheck.
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.
A big city with its own job centers and its own price points. Plan for these before you write an offer.
Mesa is described as the 37th largest city in the country and the second largest in the Phoenix metro (Arizona Commerce Authority). That means a wide range of homes, from starter condos to newer builds, and a loan to fit each.
At the $408,000 median home value (Census), FHA's 3.5% minimum down works out to $14,280 (our math from the Census figure), and the price sits well under the $557,750 county FHA limit (HUD).
The Mesa Gateway area hosts Phoenix-Mesa Gateway Airport and ASU's Polytechnic Campus, and Mesa employers include Apple, Banner Health, Boeing and Gulfstream (Arizona Commerce Authority). Relocating for work? We can line up a pre-approval before you arrive.
28,865 veterans live in Mesa (Census). A VA loan can mean no down payment and no monthly mortgage insurance on a home you will live in.
Mesa hosts two big league spring training camps: the Chicago Cubs at Sloan Park, a 15,000 seat ballpark in Riverview Park at Dobson Road and Rio Salado Parkway (City of Mesa), and the Athletics at Hohokam Stadium (MLB.com). Living near Riverview puts first pitch minutes away, so plan your commute around the crowds on spring game days.
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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 VA purchase or a move up. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Mesa and the East Valley.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping across the East Valley? We lend in every city around Mesa 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, wherever you are buying in Mesa.
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