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Today's Mortgage Rates in Arizona

Get a Lower rate in Arizona whether you're buying, looking to get cash out of your home or lower your monthly mortgage payment.

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AZ Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.250%.
  • The 30-Year Conventional Refinance rate is 6.490%.
  • Rates are current as of August 12, 2026.

Current Arizona Mortgage Rates

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Mortgage Rates Trend in Arizona

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Rates in Arizona

Arizona mortgage pricing comes from the national lending market rather than a rate set within the state. Market conditions establish the broader range lenders work from, while your credit profile, loan structure, property details and other application factors affect the offer you receive.

A quote for a home in Phoenix can differ from one for a property in a rural part of Arizona when the loan amount, property details or borrower profile changes.

When comparing lenders for a home purchase, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Those figures are related but not interchangeable. Comparing both can help you identify differences between offers that may have similar rates but different qualifying costs.

 If you’re considering replacing an existing Arizona mortgage, compare Arizona refinance rates with your current loan terms.

Types of Mortgages Available in Arizona

Arizonans buying a home can choose among several mortgage structures, with different rules for qualification, property eligibility and repayment.

  • A conventional fixed-rate mortgage keeps the same interest rate for the full loan term. The terms available to you depend on factors such as your credit profile, down payment, property and loan amount.

  • FHA loans in Arizona follow separate borrower and property requirements. FHA loan limits are also set separately from conforming limits and are published county by county.

  • Eligible borrowers can compare Arizona VA loan rates. VA financing has its own borrower and property requirements.

  • USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Arizona.

  • An adjustable-rate mortgage can change after its initial rate period according to the loan terms. Review the adjustment schedule and rate caps before choosing that structure.

  • A jumbo loan finances an amount above the applicable conforming limit. Arizona uses one statewide one-unit threshold for 2026, so the jumbo cutoff is the same in every county.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Arizona.

Mortgage insurance treatment depends on the loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Arizona

All 15 counties in Arizona use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming limits annually, and Arizona has no higher-cost county tier for one-unit properties.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in Arizona. The threshold applies to the amount borrowed rather than the purchase price alone, so a higher-priced home can still use conforming financing when the loan amount stays within the limit.

Financing above that threshold falls outside standard conforming treatment. Buyers considering a larger mortgage can compare Arizona jumbo loan rates.

The 2026 one-unit high-cost ceiling is $1,249,125, or 150% of the baseline. Arizona does not use that higher ceiling for any county, so buyers do not need to check for a separate local conforming tier within the state.

These figures apply to one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate limit system. FHA loan limits in Arizona are set separately from conforming limits and are published county by county. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements, and Arizona VA loan rates are published separately.

Arizona Mortgage Payment Examples By Rate

Arizona's payment examples extend to an $800,000 mortgage, which remains below the statewide $832,750 one-unit conforming limit for 2026. The table shows principal-and-interest payments across six supplied loan amounts. Use the Arizona mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount 5.50% 5.75% 6.00% 6.25% 6.50%
$800,000 $4,542 $4,669 $4,796 $4,926 $5,057
$700,000 $3,975 $4,085 $4,197 $4,310 $4,424
$600,000 $3,407 $3,501 $3,597 $3,694 $3,792
$500,000 $2,839 $2,918 $2,998 $3,079 $3,160
$400,000 $2,271 $2,334 $2,398 $2,463 $2,528
$300,000 $1,703 $1,751 $1,799 $1,847 $1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Arizona Mortgage FAQs

Are there homebuyer assistance programs in Arizona?

The Arizona Department of Housing provides information about available homebuyer programs, eligibility and application requirements.

What is the conforming loan limit in Arizona for 2026?

Every county in Arizona uses a 2026 one-unit conforming loan limit of $832,750. A one-unit mortgage above $832,750 falls into the jumbo category statewide.

How can I get a lower mortgage rate?

Your credit profile, debt load and down payment can affect the pricing offered to you. Compare mortgage offers using APR as well as the interest rate. Temporary rate buydowns and seller concessions can also change the cost or payment structure of the transaction. Compare the complete terms of the offers you receive.

How will property taxes and insurance in Arizona
affect my mortgage payment?

Property taxes and homeowners insurance are usually collected monthly when your mortgage uses an escrow account. The lender holds those amounts until the bills are due, so the full monthly payment exceeds principal and interest alone. Review escrow requirements by loan type and property taxes by state and county when estimating these costs.

Loan Officers in Arizona

Amber Tanner

Amber Tanner

Loan Officer

NMLS ID# 745353

Anthony Converti

Anthony Converti

VP of Lending

NMLS ID# 1467247

Geordan Key

Geordan Key

Loan Officer

NMLS ID# 2735015

Tanner Kneipp

Tanner Kneipp

Sr. Loan Officer

NMLS ID# 1586584

All Loan Officers in Arizona

Find Out Why Arizonans Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

David and his team were supportive in all areas of our transaction. Complete details were given and communication could not have been any better Making our home purchase a smooth process.

Karene R.

Verified Customer

July 16, 2026

5.0

Jill was incredible to work with throughout the entire loan process. She was knowledgeable, responsive, and made everything easy to understand from start to finish. She was able to secure assistance that covered my down payment, which saved me a significant amount of money and made purchasing my home much more affordable. Jill took the time to explain every step, answered all of my questions, and genuinely had my best interests in mind throughout the process. Her professionalism, dedication, and expertise made all the difference. I highly recommend Jill to anyone looking for a mortgage loan officer who will go above and beyond to help you secure the right loan. I couldn’t be happier with the service she provided!

Natalie M.

Verified Customer

July 20, 2026

5.0

Laura was a true professional from start to finish. Everything she did made my home buying experience easy. Laura gave excellent advice and went above and beyond to communicate throughout the entire loan application and closing process. I would highly recommend her and her company, lower mortgage, to anyone looking to purchase a home.

Sharon N.

Verified Customer

July 6, 2026

5.0

Cameron Lewis is the “go to” for all my clients who have ever had the pleasure of working with him. Once you go with Cameron, you won’t ever have to search for another lender when making other purchases or refinancing. Cameron is the smartest, most experienced and resourceful lender in the Asheville area. On top of all that, he’s the easiest and most pleasant professional you could hope to work with! It’s ALWAYS better to go with a local lender when purchasing in the area, and Cameron is by far the best in the area! So look no further, and rest assured that you are making the right choice when you pick Cameron !

Laurie R.

Verified Customer

June 17, 2026

5.0

Joanie's constant contact and communication made the purchase of our new home easy.

Travis C.

Verified Customer

June 16, 2026

5.0

Mr. Chris saved my life—in the sense of how he helped me, the patience and assistance he provided, and the advice, guidance, and discipline he instilled in me to help me achieve the goal of buying my home. Mr. Chris is the best; May God bless him always as he continues to help families fulfill their dream of homeownership. Thank you from the bottom of my heart.

Luis N.

Verified Customer

June 25, 2026

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