VA, Move Up and First Homes in the Northwest Valley.
Pillar Mortgage Group arranges home loans across Peoria, from the Loop 101 corridor to the neighborhoods around Lake Pleasant. We shop multiple wholesale lenders for VA, conventional, FHA and bank statement loans, then send you and your agent a status update at each milestone.
Facts checked November 8, 2026. Not a commitment to lend.
Led by the loans that fit Peoria moves. Every one is available on both sides of the county line.
Peoria is home to 11,935 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
Purchases and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Moving up? Buy your next Peoria home before your current home sells with bridge financing. We quote your terms in writing.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Maricopa County is $557,750 (HUD).
Retired, or living on savings? Asset depletion qualifies you on liquid assets instead of a paycheck. 19.6% of Peoria residents are 65 or older (Census).
Buying your first Peoria home? Get the Arizona first time buyer checklist and a clear plan from pre-approval to keys.
Already own in Peoria? Refinance to a new rate or term, or tap your equity with a cash out refinance. We compare multiple lenders before you lock.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Buying a rental in Peoria? 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.
A few Peoria details change the loan. Check these before you write an offer.
Peoria spans Maricopa and Yavapai Counties (AZ Commerce). The 2026 FHA limit is $557,750 in Maricopa County and $541,287 in Yavapai County (HUD), so a north Peoria home can carry a lower FHA ceiling. We confirm the county before you offer.
The 25,000 acre Lake Pleasant Regional Park sits on Peoria's north side (AZ Commerce). If you are shopping out that way, put HOA dues and community fees into the payment math. The calculator below has a line for it.
76.0% of Peoria homes are owner occupied (Census). Already own one and ready for the next? Bridge financing lets you buy before you sell, and if you are one of the 11,935 veterans in Peoria (Census), ask how VA fits your next purchase.
The Peoria Sports Complex is the spring training home of the Seattle Mariners and San Diego Padres (AZ Commerce). Eyeing a rental near the ballpark? Check the city's rules before you buy a rental. A DSCR loan then qualifies the home on its rent, not your paycheck.
Arizona Broadway Theatre stages dinner theater in the P83 Entertainment District (Visit Peoria), where the city counts more than 70 bars and restaurants within a mile of its Stadium Point site (Peoria Economic Development). Old Town has its own stage at the Peoria Center for the Performing Arts, and the city has over 25 miles of trails (Visit Peoria). Want the district close? We will run a condo near P83 against a house farther north to put the tradeoff in dollars.
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 your first Peoria home or a move up near the lake. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Peoria and the Northwest Valley.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping across the West Valley? We lend in every one of these cities 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, on either side of the county line.
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