Jumbo Loans, Second Homes and Red Rock Retirements.
Pillar Mortgage Group arranges home loans in Sedona, where the median home value sits just under the conforming limit and many purchases run jumbo. We shop multiple wholesale lenders for jumbo, second home, asset depletion, bank statement and DSCR financing, and we know how Sedona's short term rental permit affects an investment purchase.
Facts checked November 8, 2026. Not a commitment to lend.
Sedona has quirks no other Arizona market has. Know these before you write an offer.
Sedona spans Coconino and Yavapai Counties (AZ Commerce Authority). The 2026 FHA limit is $609,500 on the Coconino side and $541,287 on the Yavapai side (HUD), so the address decides how far FHA can go.
Owners need an Arizona TPT license and an annual City of Sedona short term rental permit before advertising or renting, even one day a year. Stays of 30 days or more do not need a permit (City of Sedona).
Above $832,750 (FHFA) the loan is jumbo, and jumbo lenders look harder at reserves, credit and the appraisal. Get pre-approved for the real price range before you fall for a view.
Sedona sits in Red Rock Country, inside a Coconino National Forest ranger district of 487,519 acres (US Forest Service). Get a homeowners insurance quote early; your lender needs the policy before closing.
Just north of Sedona in Oak Creek Canyon, Slide Rock State Park sends an 80 foot stretch of Oak Creek rushing through a narrow red rock flume, the park's natural water slide (Visit Arizona). The same park keeps an orchard of more than 300 apple trees and the remnants of the Pendley Homestead, one of the first settlements in the area (Visit Arizona). Buying a getaway for creek days and summer weekends? Finance it as a second home for your own use, and line up the city permit above before you ever list it as a rental.
Led by the loans Sedona prices call for. Each one is available in Sedona and across the Verde Valley.
With a median home value of $786,800 (Census), many Sedona purchases cross the 2026 conforming limit of $832,750 (FHFA). Jumbo financing covers the gap, and a piggyback first and second loan structure is another way to bridge it.
Your Red Rock getaway. Conventional second home financing can go up to 90% loan to value on eligible files (Fannie Mae), for a home you use yourself.
Retired or living on investments? Asset depletion qualifies you on liquid assets instead of a paycheck. A strong fit where 35.5% of residents are 65 or older (Census).
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Buying a Sedona rental? DSCR loans qualify on the property's rent, with ratios as low as 0.50 on eligible programs, closed in an LLC. Plan for the city's short term rental permit (City of Sedona).
Primary homes, second homes and refinances up to $832,750 (FHFA). Put 20% down and skip PMI.
For a Sedona home you live in. With full entitlement there is no VA loan limit (VA), which matters at Sedona prices.
FHA limits depend on which side of the county line the home sits: $609,500 in Coconino County and $541,287 in Yavapai County for 2026 (HUD).
Moving to Sedona from the Valley? Buy first and sell after with bridge financing. 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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Straight answers for buyers and homeowners in Sedona and the Verde Valley.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping the Verde Valley and northern Arizona? 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 Sedona home, getaway or rental.
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