First Homes, Condos and Rentals Near Campus.
Pillar Mortgage Group arranges home loans across Tempe, from a renter buying a first condo to an investor buying a rental near ASU. We shop multiple wholesale lenders for first time buyer, FHA, conventional, VA and DSCR loans, and keep you and your agent posted from contract to closing.
Facts checked November 8, 2026. Not a commitment to lend.
Maricopa County loan mix
77.3 / 15.6 / 7.1
Percent conventional, FHA and VA of Maricopa County 2024 home loans reported under HMDA
Led by the loans that fit how Tempe buys. Every one is available across the city.
Renting in Tempe and ready to own? Get the Arizona first time buyer checklist and a clear plan from pre-approval to keys, including what your rent could buy.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Maricopa County is $557,750 (HUD), above the Tempe median home value of $455,400 (Census).
Buying a rental near campus? DSCR loans qualify on the property's rent instead of your income, with ratios as low as 0.50 on eligible programs, and you can close in an LLC. Check the city's rules before you rent short term.
Purchases and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
With full entitlement there is no VA loan limit (VA), and the funding fee can be financed into the loan.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Moving up? Buy your next home before your current one sells with bridge financing. We quote your terms in writing.
Any loan above the 2026 conforming limit of $832,750 (FHFA) is a jumbo loan. We shop jumbo lenders so the bigger number still gets real options.
Retired, or living on savings? Asset depletion qualifies you on liquid assets instead of a paycheck.
A college town and a job center in one. Plan for these before you write an offer.
Only 42.3% of Tempe homes are owner occupied (Census). If you are renting today, FHA's 3.5% minimum down on the $455,400 median home value works out to $15,939 (our math from the Census figure). Closing costs are extra.
Tempe is home to ASU's main campus of 65,000 students (Arizona Commerce Authority). Buying a rental near campus? DSCR loans qualify on the rent the property earns, not your paycheck.
FHA and some conventional loans need the condo project to meet lender or agency approval rules. We check the building before you write an offer so the loan does not stall in underwriting.
Tempe is the only Arizona city with border to border light rail, and Tempe Town Lake offers miles of bike and jogging paths (Arizona Commerce Authority). Tempe's largest employers by category include Arizona State University, State Farm, Salt River Project, Wells Fargo, Honeywell and Carvana (City of Tempe).
The Los Angeles Angels hold spring training at Tempe Diablo Stadium through at least 2035, within blocks of Interstate 10 and Highway 60 (City of Tempe). The Tempe Streetcar makes 14 stops along a 3 mile route, and students make up 75% of its riders (City of Tempe). Shop within walking distance of a stop and we will price it whether you live in the home or rent it out.
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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 a first condo, a family home or a rental near campus. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Tempe.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping across the Valley? We lend in every city around Tempe 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, wherever you are buying in Tempe.
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