FHA Loans Mesa, Chandler & Gilbert

We Have a Team of Licensed and Experienced Arizona Mortgage Loan Officers. Whether you're looking to buy a home in Arizona or refinance your existing Arizona mortgage loan , borrowers often dread the mortgage loan and refinance process. That is because the traditional way to shop for a mortgage loan is antiquated and broken. Bonelli Financial Group has a streamlined the mortgage loan process to be easy, fast, and exciting so you can focus on enjoying your new home and this new chapter in life without the stress of a long and complicated mortgage loan process.

FHA loans are ideal for first-time homebuyers and those with limited down payment resources. With low down payments, flexible credit requirements, and competitive rates, FHA financing makes buying a home in Mesa, Chandler, and Gilbert more accessible.

Our local experts guide you through every step:

Navigate the unique real estate markets in Mesa, Chandler, and Gilbert
Get pre-approved quickly to strengthen your offer
Submit your FHA loan application with confidence
Close smoothly with transparent, supportive guidance

Take advantage of city-specific programs, avoid common first-time buyer pitfalls, and enjoy the benefits of FHA financing with the help of trusted Arizona FHA loan specialists

Take the first step toward homeownership with a fast, reliable pre-approval from Bonelli Financial Group. Call us today at 800-266-3554 or apply online to get started.

Asset-based home loan application and approval process

Bank statement loans for self-employed borrowers

Conventional mortgage loan options and rates

For buyers seeking FHA loans in Mesa, Chandler, and Gilbert, 2025 offers opportunities to secure affordable financing with lower down payments and flexible credit requirements. 30-year FHA loan rates are expected to hover around 6.7%, while 15-year FHA rates may average near 6.1%. Rates could shift with market conditions, but long-term trends indicate gradual stabilization.

FHA Loan Rate Trends (Local Focus)

30-Year FHA Loans: Likely to range between 6.4% and 7.25% in Mesa, Chandler, and Gilbert.
15-Year FHA Loans: Expected to average 6.1% across the East Valley.
Refinancing FHA Loans: Homeowners with older loans may not benefit from refinancing, but new FHA buyers can take advantage of current rates and lower upfront costs.
Rate Forecasts: The Mortgage Bankers Association projects rates could decline to 6.4% by year-end 2025, improving affordability for FHA borrowers.

Housing Market Outlook for FHA Buyers

Sales Activity: Existing home sales are steady and expected to grow moderately as buyers adjust to current rates and prices.
New Construction: Builders in Mesa and Gilbert are offering incentives like rate buydowns, which can benefit FHA buyers looking for new homes.
Affordability: Median home prices remain higher than pre-2020 levels, but FHA loans help first-time buyers and families in Chandler, Gilbert, and Mesa enter the market with lower down payments and manageable monthly payments.

*Mortgage rates and market forecasts provided are estimates for informational purposes only and are subject to change. Actual rates may vary based on individual qualifications, lender criteria, and market conditions. Forecasts from third parties, such as the Mortgage Bankers Association (MBA), do not guarantee future outcomes. Please consult a licensed mortgage professional for personalized advice.