Best FHA Lenders in Arizona 2026: Top 7 Ranked & Reviewed
Robert Chen
Arizona FHA Specialist | 16+ Years Experience
January 23, 2026
Looking for the best FHA lenders in Arizona? Arizona has 1,600+ FHA-approved lenders, but only 7 consistently deliver the best rates, fastest approvals, and AZ market expertise.
6.10%
Average FHA Rate
$430,000
Median Home Price
18.5%
FHA Market Share
25 days
Avg Approval
🏆 Top 7 FHA Lenders in Arizona 2026
Rocket Mortgage - Best Overall FHA Lender Arizona
9,200+ AZ loans funded
Why #1:
- 🚀 Fastest online application (8 minutes)
- 💰 Competitive rates: 6.00%-6.20% APR
- ⚡ Close in 25 days average
- 📱 Best mobile app for AZ borrowers
- 🏆 #1 FHA lender in Phoenix metro
Best For:
Tech-savvy Arizona buyers who want speed + convenience
📊 FHA Loan Limits Arizona 2026 by County
| County | Major City | 2026 FHA Limit |
|---|---|---|
| Maricopa | Phoenix, Mesa, Scottsdale | $766,550 |
| Pima | Tucson | $766,550 |
| Pinal | Casa Grande | $766,550 |
| Yavapai | Prescott | $766,550 |
✅ Arizona FHA Loan Requirements 2026
Basic Requirements
Credit Score:
580+ for 3.5% down | 500-579 for 10% down
Down Payment:
3.5% minimum ($15,050 on $430K home)
DTI Ratio:
43% max (50% with compensating factors)
Employment:
2 years stable employment history
Arizona-Specific Info
Property Taxes:
0.62% avg (below US average)
Closing Costs:
2-5% of purchase price ($8.6K-$21.5K on $430K)
MIP:
1.75% upfront + 0.55% annual
Appraisal:
FHA-approved appraiser required ($500-$700)
❓ FAQ: FHA Loans Arizona 2026
What is the FHA loan limit in Arizona?
Arizona FHA Loan Limit (2026):
- All Arizona counties: $766,550
This is the maximum home price you can buy with an FHA loan in Arizona.
Can I buy a condo with an FHA loan in Phoenix or Tucson?
YES - but the condo building must be FHA-approved.
Check if your condo is FHA-approved:
- Search the HUD Approved Condo List
- Ask your real estate agent
- Contact the condo association
Many Phoenix and Tucson condos are FHA-approved.
How much are property taxes with an FHA loan in Arizona?
Arizona has below-average property taxes:
Example: $430,000 home
- Phoenix: $2,666/year (0.62%)
- Tucson: $2,580/year (0.60%)
- Mesa: $2,709/year (0.63%)
- Scottsdale: $2,795/year (0.65%)
Property taxes are included in your monthly mortgage payment (PITI).