FHA Loans Mesa AZ – Best Mortgage Broker

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.

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.