Family Homes Between the Bradshaw and Mingus Mountains.
Pillar Mortgage Group arranges home loans in Prescott Valley, a town of 46,785 at 5,100 feet with a median home value of $413,200. We help families buy their first or next home, veterans put VA benefits to work, and Valley owners move up the hill, shopping multiple wholesale lenders for conventional, VA and FHA financing.
Facts checked November 8, 2026. Not a commitment to lend.
Yavapai County loan mix
75.8 / 13.8 / 10.2
Percent conventional, FHA and VA of 2024 home loans reported under HMDA
Led by the loans that fit Prescott Valley families and veterans. Each one is available across the Prescott area.
Conventional loans made up 75.8% of 2024 home loans in Yavapai County (HMDA). Up to the $832,750 conforming limit (FHFA); put 20% down and skip PMI.
Prescott Valley is home to 4,797 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
3.5% minimum down with flexible credit. The 2026 FHA limit in Yavapai County is $541,287 (HUD), comfortably above the $413,200 median value (Census).
Buying your first Prescott Valley home? Get the Arizona first time buyer checklist and a clear plan from pre-approval to keys.
Selling in the Valley to move up the hill? Buy first with bridge financing. We quote your terms in writing.
Retiring here? 29.9% of residents are 65 or older (Census). Asset depletion qualifies you on liquid savings instead of a paycheck.
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 rent, ratios as low as 0.50 on eligible programs, closed in an LLC. Check the town's rules before you buy a rental.
A newer town with mountain views and a regional job base. Plan for these before you offer.
Prescott Valley incorporated in 1978 and sits between the Bradshaw and Mingus mountains at 5,100 feet (AZ Commerce Authority). Check HOA documents and dues on newer subdivisions; lenders count HOA dues in your payment.
The town has a regional medical center and a regional rehabilitation hospital (AZ Commerce Authority), plus the Findlay Toyota Center, an arena the Town of Prescott Valley owns (Findlay Toyota Center). A real job base sits right in town.
72.3% of homes are owner occupied (Census). A strong, verified pre-approval helps your offer stand out.
The town sits 87 miles from Phoenix (AZ Commerce Authority). If your equity is in a Valley home, bridge financing lets you buy here first and sell after.
The Fain family donated the 100 acre parcel that became Fain Park, where Arizona Game and Fish stocks the lake and records show more than $100 million in gold was removed from the immediate vicinity (Town of Prescott Valley). The park also protects the Fitzmaurice Ruins, called the most significant archaeological site in Central Yavapai County (Town of Prescott Valley). If you served, a VA loan can put you near the park, and with full entitlement there is no VA loan limit (VA).
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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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Straight answers for buyers and homeowners in Prescott Valley and the Prescott area.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping 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, for your first home, your next one or your move up the hill.
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