What to know about financing in Gilbert
Buying before you sell
Move-up buyers often need to buy before their current home sells. Depending on your equity and income, options include qualifying with both payments, a bridge loan, or a home equity line on your current house.
HOA communities
Most Gilbert neighborhoods have an HOA. Lenders count HOA dues in your payment, so check the dues and any special assessments before you settle on a price range.
New builds in south Gilbert
Newer communities in south Gilbert mean builder incentives and long timelines. Lock strategy matters when your home won’t be finished for months.
2026 loan limits
In Maricopa County for 2026, the conforming loan limit is $832,750 and the FHA limit is $557,750 for a one-unit home. VA has no limit with full entitlement.
How conforming limits workDown payment help
Home Plus is available statewide to buyers under its income limit. Arizona Is Home is not available in Maricopa County.
Arizona assistance programsPopular loans in Gilbert
- Conventional loansThe most common loan, for primary homes, second homes and rentals.
- Jumbo loansFinancing above $832,750 for Scottsdale, Paradise Valley and beyond.
- Refinance & cash-outLower a payment, drop mortgage insurance, or tap your equity.
- New constructionBuilder incentives, long rate locks and custom builds.
Gilbert mortgage questions
Can I buy my next home in Gilbert before I sell my current one?
Often, yes. It depends on whether you can qualify with both payments or use equity from your current home. Pete will map out the options before you start shopping.
Does Pete only work with Gilbert buyers?
No. Pete lends anywhere in Arizona and is also licensed in California and Texas. Gilbert is one of many places he helps buyers and homeowners.
Nearby
General information, not a loan offer or commitment to lend. Loan limits and assistance programs are as of 2026 and change over time; availability, income limits and terms vary. Ask Pete for current details for a specific address.