Best FHA Loans in Mesa AZ | Trusted Mortgage Broker – Bonelli Financial Group

Travis Erickson • September 24, 2025
Texas family discussing mortgage pre-approval options for new home purchase

Buying a home in Mesa or anywhere in Arizona is exciting but can feel overwhelming, especially if you are concerned about credit scores or down payments. FHA loans in Mesa AZ make homeownership more accessible for first-time buyers, families, and anyone looking to take advantage of low down payment options.



At Bonelli Financial Group, we help Arizona homebuyers find the right FHA loan to fit their budget and financial goals. If you are searching for a mortgage broker near me or the best mortgage lender in Arizona, our team can guide you through the entire process.

An FHA loan is a mortgage insured by the Federal Housing Administration. It is designed for buyers who may not qualify for conventional loans, offering flexibility and affordable options.


Key benefits of FHA loans in Mesa AZ:

  • Low down payment of 3.5 percent with qualifying credit
  • Flexible credit requirements, even with past credit challenges
  • Competitive interest rates compared to conventional loans
  • Streamlined refinancing options for existing FHA borrowers


If you are ready to explore FHA loans in Mesa AZ, let the experts at Bonelli Financial Group guide you. Contact us today to see how much you can qualify for and start your path to homeownership.

To qualify for an FHA loan in Mesa AZ, you need to meet certain requirements:


  • Credit score of 580 or higher for 3.5 percent down (500–579 may qualify with 10 percent down)
  • Debt-to-income ratio typically below 43 percent
  • Loan must be for a primary residence
  • Property must meet FHA appraisal standards



Working with a trusted mortgage broker near me ensures your application meets all guidelines and moves smoothly through approval.

Loan limits vary by county. In Maricopa County, which includes Mesa, Phoenix, and Chandler, 2025 FHA loan limits are:


  • Single-family home: $498,257
  • Duplex: $637,950
  • Triplex: $771,125
  • Four-unit property: $958,350



Higher-cost areas may have larger loan limits, so it is important to check local requirements when planning your purchase.

Choosing the right mortgage is important. Here is how FHA loans compare with conventional loans in Arizona:


  • FHA Loans – Ideal for buyers with lower credit scores or smaller down payments
  • Conventional Loans – Better for buyers with strong credit who want to avoid mortgage insurance



A local mortgage broker near me can help you compare both options so you can make the best decision for your financial situation.

When searching for the best mortgage lender in Arizona, people want more than low rates. They want guidance and support throughout the process.


At Bonelli Financial Group we provide:



  • Local expertise in the Mesa and Phoenix markets
  • Access to multiple lenders to find the best FHA rates
  • Fast pre-approvals so you can make offers confidently


Frequently Asked Questions (FAQ)

  • What credit score is required for an FHA loan in Mesa?

    Most buyers qualify with a score of 580 or higher.

  • What is the minimum down payment?

    3.5 percent with a 580 score or higher.

  • Can I buy anywhere in Arizona with an FHA loan?

    Yes, including Mesa, Phoenix, Tucson, and surrounding areas.

  • Are there income limits?

    No, but your debt-to-income ratio matters.

  • What are the FHA loan limits in Maricopa County for 2025?

    $498,257 for a single-family home.

  • Can I refinance my FHA loan in Arizona?

    Yes, FHA streamline refinancing is available.

  • Do FHA loans require mortgage insurance?

    Yes, both upfront and annual premiums are required.

  • Can I use an FHA loan for an investment property?

    No, FHA loans are only for primary residences.

  • How long does it take to close an FHA loan?

    Typically 15 to 25 days.

  • Can I combine FHA financing with down payment assistance?

    Yes, Arizona has programs that work well with FHA loans.

  • Who sets the interest rate?

    Lenders set the rates, not the FHA.

  • How do I apply for an FHA loan in Mesa?

    Start by contacting a mortgage broker near you like Bonelli Financial Group for a free consultation.

Ready to Get Started

Don’t wait to make your homeownership dreams a reality. Work with a trusted mortgage broker near you at Bonelli Financial Group. Our team will help you find the best FHA loan and get you into your new home faster.

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