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  • Home Loans-Tucson, AZ

    Where is your next home going to be located? If you want to move to a beautiful city in the Southwestern region of the United States, then you and your family should consider a home in Tucson, AZ. Plus, this area has a lower cost of living than most major cities in Arizona, so you can save even more money once you move in.

    The right type of home loan can help you secure your next home purchase, even if affordability seems like a big obstacle to ownership. The team at District Lending can help you find a path to home ownership.

    get a FREE quote
  • What Type of Home Loan is Best?

    Many factors impact what type of home loans you may qualify for, as well as the structure of the loan itself. Since loans are designed to provide more money for prospective buyers that need assistance financing their home purchase, you need to know your options whether you are in the market for manufactured homes, older homes, or new constructions. District Lending is a Scottsdale, AZ, mortgage lender that can provide the right type of loan that you need for your purchase.

    Conventional Loan

    The majority of homebuyers will seek a conventional mortgage to finance their purchase. Conventional simply refers to the fact that no government entity will back a particular loan. Fannie Mae and Freddie Mac, two real estate organizations that set conventional loan limits, will back these mortgages unless they exceed those limits, at which point it is considered a jumbo loan.

    FHA Loan

    If a borrower has a poor credit history or a higher debt-to-income ratio, they may not be able to qualify for a conventional mortgage for their new home. FHA loans are backed by the Federal Housing Administration, allowing lenders to lower their standards for approval. Keep in mind that home prices in Tucson are about 16% lower than in nearby Phoenix, so affordability is more accessible than in similar markets, no matter your credit score or income.

    VA Loan

    VA loans are available to active-duty service members in the military, eligible veterans, and surviving spouses. Since they are insured by the government, the lender can approve a mortgage with no down payment and more competitive interest rates.

    The best rates come with the best deal.

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    Determining Monthly Payments

    Several factors will impact the amount of each monthly payment for your dream home. If you are a first-time homebuyer, then you should become familiar with these variables.
    • Credit Score

      If you have a higher credit score, meaning you have a history of paying debts on time, then you are eligible for more favorable mortgage programs, mortgage rates, and monthly costs.

    • Down Payment

      If you have money to pay upfront for the cost of your first home, this is known as a down payment. The more you pay now, the lower the amount of money you will have to borrow. This will also affect whether or not you have to pay for mortgage insurance. Homes in Tucson are eligible for down payment assistance through the HOME Plus state program or the Pima Tucson Homebuyer’s Solution program, which we are happy to give you more information about.

    • Closing Costs

      Before the transaction process is complete for your Arizona home, there will be multiple fees included when it is time to close.

    Connect with a District Lending Loan Officer

    Free Quote
    Want to know what your available income can afford? Request a free quote from the District Lending team.
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    Refinance
    Want to lower your premiums or get cash out to make home improvements for the family? Refinancing is possible with District Lending.
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    Serving the community of Tucson, AZ and the surrounding area

    • Phoenix
    • Tucson
    • Scottsdale
    • Sedona

    Know exactly what to expect from your loan

    Get a free loan quote today and leave the guesswork behind.
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    • No documents required.
    • No commitment.
    • No hidden costs.
    Get your free loan quote
    Buy
    Home Purchase
    Why District
    Read about all the benefits
    Process overview
    Simplified and easy to understand
    Apply now
    Start your application
    Get a quote
    See your rate with no commitment
    Perks
    Free refinance for 3 years
    Refinance with no closing costs
    No closing costs
    Zero costs options, what it means
    Realtor credits
    Get .5% towards your closing costs
    18 Day closing
    2X more likely to get your offer accepted
    Price match guarantee
    We beat competitors’ rates by .125% or more
    Rate defense
    Never miss out on rates dropping
    Refinance
    Rates
    About
    Reviews
    Hear from our customers
    Contact
    Answers within 2 business hours
    Meet the crew
    Our experts, mission, and values
    Careers
    Join us in making a difference
    Learn
    Blog
    Our knowledge at your convenience
    Mortgage secrets
    Short videos with tips&tricks
    Video library
    A short description can be here
    Calculator
    Calculate your mortgage payment
    Apply nowGet a quote