Cabins, Second Homes and Full Time Moves in Rim Country.
Pillar Mortgage Group arranges home loans in Payson and the Rim Country, from a first cabin below the Mogollon Rim to a full time move or a refinance. We shop multiple wholesale lenders for second home, conventional, VA, FHA, asset depletion and bank statement loans, then keep you updated until you have the keys.
Facts checked November 8, 2026. Not a commitment to lend.
Led by the loans that fit Rim Country moves. Every one is available in Payson, Pine and Strawberry.
Buying a getaway below the Rim? 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.
Primary homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Payson is home to 2,004 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
Retired, or living on savings? Asset depletion qualifies you on liquid assets instead of a paycheck. A strong fit in a town where 39.7% of residents are 65 or older (Census).
As little as 3.5% down with flexible credit. The 2026 FHA limit in Gila County is $541,287 (HUD).
Buying your first Payson home? Get the Arizona first time buyer checklist and a clear plan from pre-approval to keys.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Buying a rental in Rim Country? 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 from the Valley? Buy your Payson home before your current home sells with bridge financing. We quote your terms in writing.
Mountain homes finance a little differently than Valley homes. Plan for these before you write an offer.
Payson sits below the Mogollon Rim at about 5,000 feet, surrounded by the Tonto National Forest (Town of Payson). Get a homeowners insurance quote before you offer. Your lender needs the policy in place before closing, and cost depends on the home and its wildfire exposure.
A second home has to be for your own use. If you plan to rent it out, it may need to be financed as an investment property, which changes the down payment and the pricing. Tell us your plan up front and we will structure it right.
Some Rim Country homes run on a private well or a septic system. Lenders and appraisers can ask for water and septic details, so line up those inspections inside your inspection period.
Many programs can finance a manufactured home when it sits on a permanent foundation and is titled as real property. Ask us before you offer and we will confirm the home fits the loan.
About 10 miles north of town on Highway 87, Tonto Natural Bridge stands 183 feet high over a 400 foot long tunnel and is believed to be the largest natural travertine bridge in the world (Arizona State Parks). The third weekend of every August, Payson hosts the World's Oldest Continuous Rodeo, a tradition running more than 135 years (Visit Arizona). If you would rather live up here full time than drive up for the weekend, bridge financing lets you buy in Payson before you sell in the Valley, and 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 weekend cabin or a full time move. A real person follows up with your options, usually the same day.
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We will reach out shortly with your options.
Straight answers for buyers and homeowners in Payson, Pine, Strawberry and the Rim Country.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping more than one mountain town? We lend across the Rim Country, the White Mountains and the rest of 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 Payson cabin or full time 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