First Homes, Mountain Getaways and Refinances in the White Mountains.
Pillar Mortgage Group arranges home loans in Show Low, the business hub of the White Mountains. Buying your first home in town, a summer place above 6,000 feet, or refinancing the one you have, we shop multiple wholesale lenders for FHA, conventional, VA and second home financing and walk you through every step.
Facts checked November 8, 2026. Not a commitment to lend.
Navajo County loan mix
77.6 / 12.0 / 9.6
Percent conventional, FHA and VA of 2024 home loans reported under HMDA
Led by the loans that fit how people actually buy in Show Low. Each one is available here and across the White Mountains.
As little as 3.5% down with flexible credit, a strong fit where the median home value is $299,600 (Census). The 2026 FHA limit in Navajo County is $541,287 (HUD).
Buying your first Show Low home? Get pre-approved, get the Arizona first time buyer checklist, and know your payment before you tour.
Escaping the Valley heat? Conventional second home financing can go up to 90% loan to value on eligible files (Fannie Mae), so 10% down for a home you use yourself.
Primary homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Show Low is home to 855 veterans (Census). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
Run a business in the White Mountains? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Buying a rental in Show Low? 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. Check the city's rules before you buy a rental.
Moving up the mountain for good? Buy your Show Low home before your current home sells with bridge financing. We quote your terms in writing.
A mountain town with a real job base. Here is what to plan for before you write an offer.
Show Low is the business and marketing center of the White Mountains and northeastern Arizona, with Summit Healthcare Regional Medical Center anchoring its medical sector (AZ Commerce Authority). That means plenty of full time buyers, not only weekenders.
Show Low was among the towns evacuated during the 2002 Rodeo-Chediski Fire (US Forest Service). Get a homeowners insurance quote before you offer. The lender needs the policy in place to close, and cost depends on the home and its wildfire exposure.
At 6,331 feet (AZ Commerce Authority), roofs, heating and access roads matter. Line up a full inspection inside your inspection period so nothing surprises the appraiser or the underwriter.
Show Low sits about 175 miles northeast of Phoenix (AZ Commerce Authority), far enough to feel like the mountains. A cabin you keep for your own trips can finance as a second home. Booking it out to other Valley families most of the season makes it an investment property, with its own down payment rules. Pick the plan before you apply.
Settlers C.E. Cooley and Marion Clark decided who would keep their 100,000 acre ranch with a marathon card game. Clark said, "If you can show low, you win," and Cooley turned up the two of clubs (AZ Commerce Authority). Today the area is also home to Torreon, a private golf club community with a Show Low address, 36 holes on its Tower and Cabin courses and 19 neighborhoods (Torreon). Eyeing a second home there? Confirm the HOA dues so we can add them to your payment, and know that club membership is a separate cost from your mortgage.
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 home or a summer escape. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Show Low and the White Mountains.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallLooking around the White Mountains and the Rim? We lend in every one of these towns and the rest of 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 Show Low home or mountain getaway.
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