What to know about financing in Mesa
New construction in east Mesa
Master-planned communities near the Gateway airport have kept builders busy. Compare the builder’s lender incentives with an outside quote, and budget for property taxes to rise once the finished home is assessed.
Manufactured homes
Mesa has many manufactured home communities. If the home sits on land you’ll own and a permanent foundation, it may qualify for a regular mortgage. In land-lease parks, financing works differently. Ask Pete before you fall in love with one.
Winter visitors
Buying a part-time home in Mesa? Second-home financing has different rules than a rental, and 55+ communities have their own HOA requirements.
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 Mesa
- FHA loansFlexible credit and a low down payment, backed by the federal government.
- VA loansBenefits earned through service, with no monthly mortgage insurance.
- New constructionBuilder incentives, long rate locks and custom builds.
- Second homes & snowbirdsFinancing a winter place or vacation home in Arizona.
Mesa mortgage questions
Can I get a mortgage on a manufactured home in Mesa?
Often, if you own the land and the home is on a permanent foundation and titled as real property. Homes in land-lease parks usually need a different type of loan.
Does Pete only work with Mesa buyers?
No. Pete lends anywhere in Arizona and is also licensed in California and Texas. Mesa 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.