VA and FHA Loans Built for a Base Town.
Pillar Mortgage Group arranges home loans in Yuma, from a PCS move to MCAS Yuma to a first home or a refinance. Yuma County leans on VA and FHA, so we start there and compare both against conventional and bank statement options from multiple wholesale lenders.
Facts checked November 8, 2026. Not a commitment to lend.
Yuma County loan mix
48.8 / 28.1 / 20.6
Percent conventional, FHA and VA of 2024 home loans reported under HMDA
Led by the loans Yuma County borrowers lean on most. Every one is available in Yuma and across the county.
Stationed at MCAS Yuma or Yuma Proving Ground? 20.6% of 2024 home loans in Yuma County were VA (CFPB HMDA). 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 Yuma County is $541,287 (HUD), far above Yuma's $230,000 median home value (Census).
Ready to stop renting? 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.
Keeping your Yuma home as a rental when you PCS out, or buying one? DSCR loans qualify on the 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. A fit for Yuma's farm and small business owners.
Moving up in Yuma? Buy your next home before your current one sells with bridge financing. We quote your terms in writing.
Want a winter place in the sun? Conventional second home financing can go up to 90% loan to value on eligible files (Fannie Mae), so 10% down. The home has to be for your own use.
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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.
Yuma is a base town, a farm town and a border town. Plan for these before you write an offer.
Marine Corps Air Station Yuma provides aviation support for I Marine Expeditionary Force (MCAS Yuma). Send us your orders and report date early so your closing lines up with your move.
Orders change. If you might keep your Yuma home as a rental when you PCS out, ask before you buy how a VA loan works for that move and how a DSCR loan can finance your next rental.
Yuma County runs on a $3.2 billion a year agribusiness industry (Arizona Commerce Authority). Seasonal or self employed income can still qualify. Bring two years of history and we will find the right program.
Yuma sits just below where the Colorado and Gila Rivers meet, near California and Mexico, at 138 feet (Arizona Commerce Authority). Summer heat is real, so check the cooling system and roof in your inspection.
Yuma holds a Guinness World Record as the Sunniest City in the World (Visit Arizona), and as the Winter Salad Bowl it is the leading producer of lettuce in the United States (Visit Arizona). On a bluff over the Colorado River, Yuma Territorial Prison took its first seven inmates on July 1, 1876, and stayed open for 33 years (Arizona State Parks). Spending winters here and summers somewhere else? A second home loan has to be for your own use, so tell us how you will split the year and we will structure it around that.
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Straight answers for buyers and homeowners in Yuma and Yuma County.
Programs summarized; subject to lender guidelines, property and borrower eligibility. Not a commitment to lend.
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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 Yuma 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