Foothill Homes, Move Ups and Retirement Moves.
Pillar Mortgage Group arranges home loans in Oro Valley, from a move up in the Catalina foothills to a retirement home or a jumbo purchase. We shop multiple wholesale lenders for conventional, jumbo, asset depletion and VA loans, then keep you posted until you have keys in the foothills.
Facts checked November 8, 2026. Not a commitment to lend.
Pima County loan mix
67.8 / 18.5 / 13.7
Percent conventional, FHA and VA of 2024 home loans reported under HMDA
Foothill homes and retirement moves come with their own planning. Cover these before you write an offer.
Oro Valley sits in the western foothills of the Santa Catalina Mountains, three miles north of the Tucson city limits, at 2,620 feet (Arizona Commerce Authority). Hillside lots can bring drainage and insurance questions, so ask early.
More than a third of Oro Valley residents are 65 or older (Census). If most of your money sits in retirement or brokerage accounts, asset depletion can turn it into qualifying income.
Oro Valley is the gateway to Catalina State Park, a 5,493 acre park (Arizona Commerce Authority). If the home has HOA dues, we build them into your payment from the start.
El Conquistador Golf runs two championship courses, the Conquistador and the Cañada, plus the 9 hole Pusch Ridge course (Town of Oro Valley). On the working side, Roche Tissue Diagnostics operates from Innovation Park Drive in Oro Valley (Town of Oro Valley). Want a short drive to the first tee or the office? Give us both addresses and we will price homes in that pocket first.
Led by the loans that fit foothill moves. Every one is available in Oro Valley and across Pima County.
Primary homes, second homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Larger foothill homes can run past $832,750 (FHFA). Jumbo financing covers the homes conforming loans cannot, and a piggyback first and second loan is sometimes the better way to get there.
Retired or living on savings? 35.7% of Oro Valley residents are 65 or older (Census). Asset depletion qualifies you on liquid assets instead of a paycheck.
Oro Valley is home to 4,590 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
Moving up from Tucson or downsizing? Buy your Oro Valley home before your current home sells with bridge financing. We quote your terms in writing.
Want a winter home in the foothills? 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.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Pima County is $541,287 (HUD).
Buying a rental north of Tucson? 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.
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 retirement home or a jumbo purchase. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Oro Valley, Tucson and Pima County.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping more than one Southern Arizona town? We lend in Tucson, Marana 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 Oro Valley 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