FHA Home Loans Scottsdale & Phoenix | Low Down Payment & Flexible Credit Options
3.5% Down • Credit as Low as 580 • Government-Backed Security
Your Accessible Path to Homeownership in Arizona – Whether you’re a first-time buyer in Scottsdale or looking to purchase a multi-unit property in Phoenix, FHA loans can make it possible.
FHA loans are one of the most powerful and flexible mortgage options available for Arizona buyers, especially first-time homebuyers, those with lower credit scores, or buyers with limited savings for a down payment.
Backed by the Federal Housing Administration, these loans make homeownership more attainable in competitive markets like Scottsdale, Phoenix, Paradise Valley, and throughout Maricopa County.
With over 30 years of mortgage experience and licensing in all 50 states through Granite Bank, I help Arizona families successfully secure FHA loans tailored to their unique financial situations.
Key Benefits of FHA Home Loans
- As low as 3.5% down payment
- Credit scores as low as 580 accepted
- Gift funds allowed for down payment and closing costs
- Competitive interest rates for many borrowers
- Flexible options for 1-4 unit properties
- Streamlined refinance options available later
Schedule a No-Pressure FHA Loan Conversation
3.5% Minimum Down Payment $557,750 2026 Maricopa County Loan Limit 580 Minimum Credit Score
Types of FHA Loans Available in Arizona
- Section 203(b) Standard FHA Loan — Most popular option for single-family homes and 1-4 units
- Section 203(k) Renovation Loan — Purchase + repair financing in one loan
- Section 234(c) Condo Loan — Specifically for approved condominiums
- HECM Reverse Mortgage — For homeowners age 62+
Do You Qualify for an FHA Loan?
- Credit score as low as 580 (higher scores get better rates)
- Steady employment and income
- Debt-to-income ratio generally up to 50%
- Primary residence only
- Property must meet FHA appraisal standards
I’ll review your situation personally and let you know exactly where you stand.
Schedule Your Free FHA Loan Review
FHA Loan Limits in Arizona (2026) Maricopa & Pinal Counties: $557,750 (Single-Family) Coconino County: $609,500 Most other counties: $541,287
Higher limits apply for 2–4 unit properties. I can give you the exact limit for your target neighborhood.
The FHA Loan Process with Mark Merry
- Initial consultation and pre-qualification
- Gather documents and full pre-approval
- Find your home and complete appraisal
- Underwriting and final approval
- Close and move in
Why Arizona Buyers Choose Mark Merry for FHA Loans
- 30+ years of hands-on mortgage experience
- Licensed in all 50 states through Granite Bank
- Honest guidance — I’ll tell you if FHA is truly your best option
- Strong track record helping first-time buyers and credit-challenged borrowers in Scottsdale and Phoenix
- Personalized strategy focused on long-term success, not just closing the loan
“In my 30+ years, I’ve helped hundreds of Arizona families achieve homeownership through FHA loans when other options weren’t available.” — Mark Merry
Ready to Talk? Schedule a Conversation
Common Questions About FHA Home Loans
- What is the minimum down payment for an FHA loan?
- How low can my credit score be?
- Are gift funds allowed?
- How long does mortgage insurance last?
- Can I buy a condo with an FHA loan?
- What are current FHA loan limits in Maricopa County?
Get Answers Specific to Your Situation
Contact Mark Merry – Your Scottsdale Mortgage Strategist Phone: (480) 442-7487 Email: mark.merry@granitebank.com Office: 17015 N Scottsdale Rd, Suite 120A, Scottsdale, AZ 85255
Ready to Move Forward? Schedule a Conversation or Start Your FHA Pre-Approval Today
Legal Footer NMLS #452552 | Granite Bank affiliation | Equal Housing Lender | All loans subject to approval. Information for educational purposes only. Rates and terms subject to change. Copyright © 2026 Mark Merry | Granite Bank.
