VA Loans, Retirement Moves and Buy Before You Sell in the Highlands.
Pillar Mortgage Group arranges home loans in Prescott, the Yavapai County seat at 5,410 feet. Prescott is home to 5,013 veterans and a VA hospital, and four in ten residents are 65 or older, so we lead with VA loans, asset depletion for retirees and bridge financing for buyers moving up from the Valley. We shop multiple wholesale lenders and keep you posted until closing.
Facts checked November 8, 2026. Not a commitment to lend.
Led by the loans Prescott's veterans, retirees and move up buyers use. Each one is available across the Prescott area.
Prescott is home to 5,013 veterans (Census) and a VA hospital (AZ Commerce Authority). 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 where 40.6% of residents are 65 or older (Census).
Moving up from the Valley? Buy your Prescott home before your current home sells with bridge financing. We quote your terms in writing.
Primary homes, second homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Prescott's median home value is $564,100 (Census), and homes above $832,750 need jumbo financing. We place those too.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Yavapai County is $541,287 (HUD).
Buying your first Prescott 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 near the colleges or downtown? DSCR loans qualify on the rent, ratios as low as 0.50 on eligible programs, closed in an LLC. Check the city's rules before you buy a rental.
A county seat with a VA hospital and three colleges. Plan for these before you offer.
Prescott has 5,013 veterans (Census) and the northern Arizona VA hospital (AZ Commerce Authority). VA loans are for homes you live in, and the funding fee can be rolled into the loan. Bring your Certificate of Eligibility or we can help request it.
With 40.6% of residents 65 or older (Census), many buyers qualify on Social Security, pensions or assets rather than a paycheck. Asset depletion lets lenders count liquid savings as income.
If your equity is tied up in a Phoenix area home, bridge financing lets you buy in Prescott without a contingent offer, then sell. Ask us early so your pre-approval reflects the plan.
Embry-Riddle Aeronautical University, Prescott College and Yavapai College are all here (AZ Commerce Authority). Investors can use DSCR loans that qualify on the rent; confirm the city's rental rules first.
Prescott Frontier Days has presented the World's Oldest Rodeo since 1888, with a week of action at the Prescott Rodeo Grounds leading into the Fourth of July (Prescott Frontier Days). The American Planning Association has honored Courthouse Plaza as one of the Top Ten Public Spaces in the United States (AZ Commerce Authority), and Watson Lake sits among the Granite Dells about four miles from downtown (City of Prescott). Whether you want a walkable home near the plaza or room to spread out by the lakes, we match the loan to the way you plan to use it.
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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 you are using VA benefits, retiring or moving up. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Prescott and the central highlands.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallLooking across the Prescott area and the Verde Valley? We lend in each of these 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, whether you are using VA benefits, retiring or moving up.
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