FHA Loans in Phoenix: Flexible Home Financing

Looking for FHA loans in Phoenix? You’re in the right place. The JD.Mortgage team—a trusted residential mortgage partner licensed in 49 states (excluding NY)—offers FHA financing tailored for Arizona’s vibrant real estate market. Whether you’re a first-time buyer, relocating to Maricopa County, or navigating credit challenges, our team simplifies the FHA process without unnecessary roadblocks or overlays. [Check your options with us today.]

Why FHA Loans Remain a Smart Choice in Phoenix

FHA loans are backed by the Federal Housing Administration and designed to make homeownership more accessible. With just 3.5% down (for credit scores 580+), relaxed debt-to-income limits, and flexible underwriting, they’re one of the most popular loan programs for Phoenix-area buyers—especially in a market where affordability and inventory remain challenging.

In Maricopa County, the FHA loan limit for 2025 is $546,250 for single-family homes. This opens up affordable options across much of Phoenix and the surrounding metro. If your purchase price exceeds this limit, ask our team about alternatives like FHA high-balance or conventional loans. [Start your FHA review now.]

FHA Loan Highlights

• Minimum down payment of 3.5%
• Low credit scores accepted (580+ standard, as low as 500 with 10% down)
• Manual underwriting available for complex files
• Seller-paid closing costs allowed (up to 6%)
• Fixed and adjustable-rate options
• Gift funds allowed for down payment
• Down payment assistance programs eligible

Our FHA process includes a full review—not just a surface-level prequal—so you know where you stand before house hunting. [Let’s review your FHA eligibility.]

We Handle Tougher FHA Scenarios Other Lenders Won’t

Many lenders apply additional rules—called overlays—on top of FHA’s guidelines. We don’t. If the FHA allows it and it makes sense, we’ll do everything we can to make it work. Our Phoenix FHA clients often include:

• First-time buyers with limited credit history
• Buyers with prior bankruptcy or foreclosure
• Borrowers with recent job changes or variable income
• Clients needing manual underwrite due to credit events or lack of traditional credit

If you’ve been denied elsewhere, there’s a strong chance we can offer a better path forward—without gimmicks or inflated fees.

FHA Loans and Down Payment Assistance in Arizona

Arizona offers several down payment assistance (DPA) programs that work with FHA loans, including the Home Plus program and city-specific housing initiatives. These programs can help cover some or all of your 3.5% down payment and even a portion of closing costs.

We help Phoenix buyers qualify for DPA programs by aligning credit, income, and property guidelines to ensure a smooth closing. [Ask us about DPA with FHA loans.]

FHA Refinancing Options in Phoenix

Already have an FHA loan? We offer streamlined refinancing with reduced documentation, no appraisal (in some cases), and quick closings. Options include:

• FHA Streamline Refinance – No income docs or appraisal required
• FHA Cash-Out Refinance – Tap into equity while keeping FHA benefits
• FHA to Conventional Refi – Remove monthly mortgage insurance with strong equity and credit

Our team can walk you through the refinance option that best supports your financial goals. [Let’s explore your refinance route.]

Loan Limits in Maricopa County

FHA loan limits are based on county-level home prices. In 2025, the FHA limit in Maricopa County is $545,250 for single-unit properties. Multi-unit limits include:

• 2 units: $699,300
• 3 units: $845,300
• 4 units: $1,050,500

If your home exceeds these amounts, we can explore high-balance FHA or even FHA-alternative financing. [Let’s structure the right loan amount together.]

Work With FHA Loan Experts Who Know Phoenix

The JD.Mortgage team works with borrowers across the state of Arizona—not just Phoenix—including Mesa, Chandler, Glendale, Scottsdale, and surrounding cities. We understand how to position FHA loans successfully across varying property types and income scenarios.

We’re based in Colorado Springs and lend in 49 states, giving you nationwide experience with local insight—without the limitations of big-box lenders. [Let’s talk through your situation.]

FAQs About FHA Loans in Phoenix

Explore Other Loan Options

• VA Loans
• Conventional Loans
• USDA Loans
• Down Payment Assistance
• Non-QM Mortgages
• HELOCs