First Homes in Arizona's Newest Town.
Pillar Mortgage Group helps San Tan Valley families buy, move up and refinance. In a Pinal County market where FHA carries real weight, we price FHA beside VA, conventional and bank statement options from multiple wholesale lenders and explain each number in plain English.
Facts checked November 8, 2026. Not a commitment to lend.
Pinal County loan mix
55.5 / 31.9 / 11.7
Percent conventional, FHA and VA of 2024 home loans reported under HMDA
Led by the loans Pinal County buyers use most, with options for every next step.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Pinal County is $557,750 (HUD).
Buying your first San Tan Valley home? Get the Arizona first time buyer checklist and a clear plan from pre-approval to keys.
San Tan Valley is home to 5,991 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 San Tan Valley home before your current home sells with bridge financing. We quote your terms in writing.
Already own in San Tan Valley? 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 San Tan Valley? 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.
A brand new town in an FHA heavy county. Here is what that means for your loan.
San Tan Valley officially incorporated on September 17, 2025, after Proposition 495 passed with nearly 70 percent of the vote (MAG). The Census figures on this page reflect the former CDP boundary.
In Pinal County, FHA loans made up 31.9% of 2024 home loans reported under HMDA (CFPB HMDA). The 2026 Pinal County FHA limit is $557,750 (HUD), well above the San Tan Valley median home value.
82.2% of San Tan Valley homes are owner occupied and just 13.0% of residents are 65 or older (Census). Outgrowing your first house? Bridge financing lets you buy the next one before the old one sells, and on a builder's home you can still bring your own lender.
Newer communities can carry HOA dues on top of the mortgage. Run taxes, insurance and HOA through the calculator below before you fall for a floor plan.
San Tan Mountain Regional Park, on the edge of town with a Queen Creek address, covers over 10,000 acres and climbs from about 1,400 feet to over 2,500 feet (Maricopa County Parks). Its 6.4 mile San Tan Trail loops past Rock Peak and the Malpais Hills, and trails are open to hikers, bikers and riders (Maricopa County Parks). Want horse property or a lot that backs to open desert? Tell us early, since acreage and outbuildings can change how the appraisal is done.
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Straight answers for buyers and homeowners in San Tan Valley and Pinal County.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping across the Southeast Valley and Pinal County? 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, starting with your first 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