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Luke AFB, Fort Huachuca (nearby) · Maricopa County

VA Loans in
Phoenix, AZ

$0 down payment. No PMI. VA rates from 5.750%. Valley West Mortgage is licensed in AZ and serves veterans throughout Scottsdale, Mesa, Chandler, Gilbert, Tempe, Glendale, and all of Maricopa County.

Check Your Phoenix VA Rate (702) 696-9900
5.750%
VA 30yr Rate
$0
Down Payment
$832,750
Maricopa County Limit
$415,000
Median Home Price
PHOENIX VA LOANS

Why Veterans in Phoenix Choose VA Loans

$0 Down in Phoenix

At a median price of $415,000, a conventional loan would require $20750+ down (5%). With a VA loan, you keep that cash in your pocket.

No PMI Savings

On a $415,000 home in Maricopa County, you save approximately $200-350/month by avoiding private mortgage insurance that FHA and conventional loans require.

Local Expertise

Valley West Mortgage is headquartered in Las Vegas and has been serving AZ veterans since 2004. We know the Phoenix market inside and out.

PAYMENT ESTIMATE

VA Payment in Phoenix

Estimated monthly P&I on a $415,000 home
$2,421

5.750% rate · 30-year fixed · $0 down · $0 PMI

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NEARBY BASES

Military Installations Near Phoenix

Active duty, veterans, Guard, Reserve, and eligible surviving spouses stationed at or near Luke AFB, Fort Huachuca (nearby) can use their VA benefit to buy a home in Maricopa County.

Check Your VA Eligibility →
FAQ

Phoenix VA Loan Questions

VA 30-year fixed rates in Phoenix, AZ start at 5.750% as of March 2026. VA 15-year rates start at 5.500%. These are wholesale broker rates from Valley West Mortgage for 740+ credit scores. Your personalized rate depends on your credit profile and loan details.
The 2026 conforming loan limit in Maricopa County is $832,750 for a single-family home. However, veterans with full entitlement have no loan limit and can purchase at any price with $0 down.
A typical VA purchase in Phoenix closes in 25-30 days. Valley West Mortgage regularly closes in 21 days thanks to our local market knowledge and wholesale lender relationships. VA IRRRL refinances can close in as little as 15 days.
Yes, as long as the condo complex is VA-approved or qualifies under the VA single-unit approval process. Valley West can check VA approval status for any condo in Maricopa County and help you navigate the approval process if needed.
RELATED

Related Resources

VA Purchase LoansToday's VA RatesVA EligibilityPayment CalculatorFunding Fee Details
EXPLORE

Related Resources

VA PurchaseVA Rates TodayVA EligibilityPayment CalculatorLas Vegas VA Loans
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REVIEWS

What VA Buyers Say

★★★★★

"$0 down, no PMI, lowest rate I found. Valley West closed my VA loan in 24 days."

— VA buyer, Las Vegas
★★★★★

"Third VA purchase with Valley West. They shop 50+ lenders every time. Always the best deal."

— VA buyer, Henderson
★★★★★

"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows VA loans."

— VA buyer, North Las Vegas
YOUR VA RATE

Get Your Personalized Rate

VA rates from 5.750%. $0 down. No PMI. Check your rate in 60 seconds.

Check Your VA Rate (702) 696-9900

No SSN required · No credit impact · NMLS #65506

WHY US
The Valley West Difference
50+
Lenders competing for your VA loan.
$0
Down payment. $0 PMI. $0 fees.
28
Average days to close.
4.9★
790+ five-star reviews.
Check Your VA Rate →

VA Loan Resources

→ VA Eligibility → VA Rates Today → VA Calculator → VA Purchase → VA Refinance → VA Guide → First-Time Buyer → Funding Fee → Closing Costs → VA vs FHA
FAQ

Frequently Asked Questions

Yes. Valley West Mortgage is licensed in Arizona and provides VA home loans throughout the Phoenix metro area including Scottsdale, Mesa, Chandler, Gilbert, Tempe, and Glendale. We shop 50+ wholesale lenders for the best AZ VA rates.

Maricopa County (Phoenix) follows the 2026 baseline conforming loan limit of $766,550. Veterans with full entitlement have no loan limit and can borrow any amount with $0 down. Those with partial entitlement use this county limit.

Phoenix is excellent for VA buyers due to Luke AFB proximity, affordable housing compared to coastal cities, strong job growth, and Arizona's veteran-friendly tax policies. The Phoenix metro has one of the largest active-duty and veteran populations in the US.

VA loan rates in Arizona are the same as national VA rates since VA loans are federally backed. Current VA 30-year fixed rates start at approximately 5.625%. Valley West shops 50+ wholesale lenders to find the lowest available rate for Arizona veterans.

Valley West typically closes VA loans in the Phoenix area within 21-30 days. We have established relationships with Arizona title companies and VA appraisers to ensure smooth, fast closings for Maricopa County veterans.

VA rates from 5.750%
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