Mortgage Rates in Arizona | AZ Refinance Rates

Arizona's housing market has gone through some boom and bust times in the last few decades, but tourism and health care are mainstay industries that continue to attract newcomers. The warm climate and world-class scenery make the state a perennial favorite among retirees.

For those contemplating a new home purchase or mortgage refinance, checking Arizona mortgage rates is critical to the shopping process. With current AZ mortgage rates and a few tools such as HSH.com's mortgage calculators, you can determine your monthly payments, loan paydown scenarios with different rates and terms, and whether the home you have your eye on is affordable, given your income and down payment.

Experienced mortgage lenders and brokers doing business in the state can provide you with current AZ mortgage rates, which can fluctuate within the day based on volatile market indicators.

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Arizona

County Name	One Family	Two Family	Three Family	Four Family

Apache County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cochise County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Coconino County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Gila County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Graham County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Greenlee County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
La Paz County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Maricopa County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Mohave County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Navajo County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Pima County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Pinal County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Santa Cruz County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Yavapai County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Yuma County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250

Mortgage Rates in Arizona | AZ Refinance Rates | HSH Lender Showcase

Arizona Mortgages

2024 Conforming loan limits for Arizona

Mortgage Rates by State

Mortgage rates by loan term and type