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Luke AFB, growing communities (nearby) · Maricopa County

FHA Loans in
Phoenix, AZ

3.5% down payment. Low MIP. FHA rates from 5.750%. Valley West Mortgage is licensed in AZ and serves buyers throughout Scottsdale, Mesa, Chandler, Gilbert, Tempe, Glendale, and all of Maricopa County.

Check Your Phoenix FHA Rate (702) 696-9900
5.750%
FHA 30yr Rate
$0
Down Payment
$832,750
Maricopa County Limit
$415,000
Median Home Price
PHOENIX FHA LOANS

Why Buyers in Phoenix Choose FHA Loans

3.5% Down in Phoenix

At a median price of $415,000, a conventional loan would require $20750+ down (5%). With a FHA loan, you keep that cash in your pocket.

Low MIP Savings

On a $415,000 home in Maricopa County, you save approximately $200-350/month by avoiding private mortgage insurance that FHA and conventional loans require.

Local Expertise

Valley West Mortgage is headquartered in Las Vegas and has been serving AZ buyers since 2004. We know the Phoenix market inside and out.

PAYMENT ESTIMATE

FHA Payment in Phoenix

Estimated monthly P&I on a $415,000 home
$2,421

5.750% rate · 30-year fixed · 3.5% down · affordable MIP

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NEARBY BASES

Popular FHA Neighborhoods in Phoenix

Active duty, buyers, Guard, Reserve, and eligible surviving spouses stationed at or near Luke AFB, growing communities (nearby) can use their FHA benefit to buy a home in Maricopa County.

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FAQ

Phoenix FHA Loan Questions

FHA 30-year fixed rates in Phoenix, AZ start at 5.750% as of March 2026. FHA 15-year rates start at 5.500%. These are wholesale broker rates from Valley West Mortgage for 740+ credit scores. Your personalized rate depends on your credit profile and loan details.
The 2026 conforming loan limit in Maricopa County is $832,750 for a single-family home. However, buyers with standard FHA have FHA loan limit of $532,900 in Clark County and can purchase at any price with 3.5% down.
A typical FHA purchase in Phoenix closes in 25-30 days. Valley West Mortgage regularly closes in 21 days thanks to our local market knowledge and wholesale lender relationships. FHA Streamline refinances can close in as little as 15 days.
Yes, as long as the condo complex is FHA-approved or qualifies under the FHA single-unit approval process. Valley West can check FHA approval status for any condo in Maricopa County and help you navigate the approval process if needed.
RELATED

Related Resources

FHA Purchase LoansToday's FHA RatesFHA EligibilityPayment CalculatorUpfront MIP Details
EXPLORE

Related Resources

FHA PurchaseRates TodayFHA EligibilityPayment CalculatorLas Vegas FHA Loans
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EXPLORE

FHA Resources

→ FHA Requirements → FHA Rates Today → FHA Calculator → Credit Score Guide → Down Payment Guide → FHA vs Conventional → First-Time Buyer → Get Pre-Approved → Closing Costs → Pros & Cons
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FHA rates from 5.750%. 3.5% down. Low MIP. Check your rate in 60 seconds.

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FAQ

Frequently Asked Questions

Yes. Valley West Mortgage is licensed in Arizona and provides FHA home loans throughout the Phoenix metro area including Scottsdale, Mesa, Chandler, Gilbert, Tempe, and Glendale. We shop 50+ wholesale lenders for the best AZ FHA rates.

Maricopa County (Phoenix) follows the 2026 baseline conforming loan limit of $766,550. Buyers with standard FHA have FHA loan limit of $532,900 in Clark County and can borrow any amount with 3.5% down. Those with FHA use this county limit.

Phoenix is excellent for FHA buyers due to Luke AFB proximity, affordable housing compared to coastal cities, strong job growth, and Arizona's buyer-friendly tax policies. The Phoenix metro has one of the largest qualified and buyer populations in the US.

FHA loan rates in Arizona are the same as national FHA rates since FHA loans are federally backed. Current FHA 30-year fixed rates start at approximately 5.625%. Valley West shops 50+ wholesale lenders to find the lowest available rate for Arizona buyers.

Valley West typically closes FHA loans in the Phoenix area within 21-30 days. We have established relationships with Arizona title companies and FHA appraisers to ensure smooth, fast closings for Maricopa County buyers.

FHA rates from 5.750%
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