Loan Programs
Seven ways to finance a home in Yuma
From a first purchase to a manufactured home in a snowbird community, every program below connects you with lending partners who understand Yuma's market.
We're a broker resource, not a lender
Yuma Mortgages is a marketing website operated by Contractors Choice Agency. We don't underwrite, approve, fund, or service loans ourselves — instead, we connect you with a network of independent licensed lending partners so you can compare programs suited to your situation, rather than settling for a single bank's one offer. Rates, terms, and approval are determined solely by the lender you're matched with.
Purchase Loans
Financing to buy a home in Yuma and Yuma County
Whether you're buying a site-built home near downtown Yuma, a property in Foothills or Fortuna Foothills, or acreage out toward the county's agricultural areas, we shop conventional, FHA, and jumbo purchase options across our network of independent lending partners to match your budget and timeline.
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Refinance
Lower your rate, change your term, or tap your equity
Rate-and-term and cash-out refinance options for Yuma homeowners, matched through our network of independent lending partners based on current Arizona rate conditions and your home's equity position.
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Manufactured & Modular Homes
Financing built for Yuma's manufactured, modular, and park-model housing stock
Yuma has one of Arizona's largest concentrations of manufactured, modular, and park-model homes — from year-round manufactured-home communities to seasonal snowbird parks. We connect borrowers with lending partners who actually finance these property types, including chattel (home-only) loans and land-and-home packages.
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First-Time Buyer
Down payment assistance and low-down-payment programs for Yuma buyers
Arizona offers several down payment assistance programs for qualifying first-time buyers, alongside low-down-payment FHA and conventional options. We connect Yuma buyers with lending partners who can walk through eligibility for each program side by side.
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VA Loans
$0-down financing for eligible military borrowers
With MCAS Yuma and Yuma Proving Ground anchoring the local economy, we regularly connect active-duty, veteran, and eligible military family borrowers with lending partners offering VA loan programs, including $0-down purchase options and VA-to-VA refinances.
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USDA Rural Loans
$0-down financing for eligible rural and agricultural-area properties
Much of Yuma County's agricultural land and outlying communities fall within USDA-eligible rural areas. We connect qualifying buyers with lending partners offering USDA Rural Development loan programs, which can include $0 down for eligible borrowers and properties.
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Snowbird / Second Home
Financing for seasonal residents and winter-visitor homes
Yuma's winter population swells with seasonal residents drawn by some of the sunniest weather on Earth. We connect snowbirds and second-home buyers with lending partners offering second-home mortgage and seasonal manufactured/park-model financing options.
Learn moreNot sure which program fits?
Get pre-qualified and we'll help match you with the right program and lending partner for your situation.