What to know about financing in Tucson
VA near Davis-Monthan
Davis-Monthan Air Force Base brings a lot of VA buyers to Tucson. VA loans have no monthly mortgage insurance and no loan limit with full entitlement.
Historic and older homes
Homes in Tucson’s historic barrios and older neighborhoods can have unique construction. An appraiser who knows the area, and an inspection up front, make financing smoother.
Retirees and winter visitors
Green Valley and the communities south of Tucson draw retirees and snowbirds. Second-home financing and 55+ HOA rules both apply.
2026 loan limits
In Pima County for 2026, the conforming loan limit is $832,750 for a one-unit home, the same as everywhere in Arizona. FHA limits outside the Phoenix metro sit at or near the national floor; Pete can confirm the exact figure for any address. VA has no limit with full entitlement.
How conforming limits workDown payment help
Home Plus is available in Pima County to buyers under its income limit. Arizona Is Home is not available in Pima County.
Arizona assistance programsPopular loans in Tucson
- FHA loansFlexible credit and a low down payment, backed by the federal government.
- VA loansBenefits earned through service, with no monthly mortgage insurance.
- First-time home buyersA clear plan, the right loan, and Arizona down payment help.
- Second homes & snowbirdsFinancing a winter place or vacation home in Arizona.
Tucson mortgage questions
Does Pete lend in Tucson even though he’s based in the Phoenix area?
Yes. Pete lends across all of Arizona, and nearly everything happens online and by phone. Tucson buyers get the same direct line to Pete.
Does Pete only work with Tucson buyers?
No. Pete lends anywhere in Arizona and is also licensed in California and Texas. Tucson 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.