VA, FHA and First Homes, Built for Tucson.
Pillar Mortgage Group arranges home loans across Tucson, from a first home near the University of Arizona to a PCS move to Davis-Monthan or a refinance in the foothills. We shop multiple wholesale lenders for VA, FHA, conventional and bank statement loans, then keep you informed until the closing is done.
Facts checked November 8, 2026. Not a commitment to lend.
Pima County loan mix
67.8 / 18.5 / 13.7
Percent conventional, FHA and VA of 2024 home loans reported under HMDA
Led by the loans that fit Tucson moves. Every one is available in Tucson, Oro Valley and Marana.
Tucson is home to 34,116 veterans (Census) and Davis-Monthan AFB (Military OneSource). With full entitlement there is no VA loan limit (VA), and the funding fee can be financed.
As little as 3.5% down with flexible credit. The 2026 FHA limit in Pima County is $541,287 (HUD), well above Tucson's $266,200 median home value (Census).
Renting near campus or downtown? Get the Arizona first time buyer checklist and a plan from pre-approval to keys.
Primary homes, second homes and refinances up to the 2026 conforming limit of $832,750 (FHFA). Put 20% down and skip PMI.
Buying a rental near the University of Arizona? 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.
Self employed? Qualify on deposits instead of tax returns. 660 minimum score, 10 to 25% down, up to $4 million.
Moving up to the foothills? Buy your next Tucson home before your current home sells with bridge financing. We quote your terms in writing.
Above $832,750 (FHFA) in the Catalina Foothills or Oro Valley? Jumbo financing covers the homes conforming loans cannot.
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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.
Tucson is a military town, a college town and a rental market at once. Plan for these before you write an offer.
Davis-Monthan AFB sits 7 miles southeast of downtown and hosts the 355th Wing (Military OneSource). Get your Certificate of Eligibility early and tell us your report date so the closing fits your orders.
Only 51.8% of Tucson homes are lived in by their owners (Census). That means plenty of rentals around you, and if you are buying one yourself, a DSCR loan qualifies on the rent.
Tucson is home to the University of Arizona (Arizona Commerce Authority). If you are buying near campus to rent out, tell us up front so we finance it as an investment property, not a primary home.
Tucson sits at about 2,410 feet, ringed by mountains (Arizona Commerce Authority). Older homes can have older roofs and cooling systems, so book inspections early and get an insurance quote before you offer.
The University of Arizona has called Tucson home since 1885 as the state's land grant university (University of Arizona). About an hour's drive up the mountain, Mount Lemmon Ski Valley is the southernmost ski area in the continental United States (US Forest Service), and Tucson International Airport is building a new 11,000 foot parallel runway, planned for 2027 pending FAA funding (Tucson Airport Authority). Flying out often for work? Tell us, and we will weigh the drive to the airport alongside the payment on every home you shortlist.
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Tell us the home and the plan, whether it is a PCS move, a first home or a rental. A real person follows up with your options, usually the same day.
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Straight answers for buyers and homeowners in Tucson, Oro Valley, Marana and Pima County.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
Book a Free CallShopping beyond Tucson? We lend across Southern Arizona, Pinal County and the rest of the state.
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 Tucson 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