Today's mortgage rates in Arizona
Live wholesale Arizona pricing as of May 11, 2026 09:40 AM. HomePilot's 30-year fixed rate in Arizona is 5.99%, APR 6.073%.
Arizona mortgage rates
Live wholesale pricing across the most-quoted loan products in Arizona. Each card shows the par rate, APR, and monthly P&I on the sample scenario. Your actual rate depends on FICO, LTV, occupancy, and county.
Rates current as of May 11, 2026 09:40 AM.
Loan options
Arizona mortgage options
30-year fixed
Lower monthly payments and a stable interest rate for the life of the loan.
15-year fixed
Faster payoff and less interest paid overall, but higher monthly payment.
FHA loan
Qualify with a lower credit profile and more debt compared to other options.
Jumbo loan
Financing for high-value homes above the conforming loan limits.
VA loan
Veterans benefit — buy with $0 down, no mortgage insurance.
Refinance & cash-out
Lower your rate, drop your payment, or tap your home equity.
We beat any Loan Estimate.
Or we pay you the difference.
Got a quote from another lender? Send us their Loan Estimate. We'll line-item it against today's wholesale rate sheet, show you which deal is actually cheaper, and if they win — we'll say so. If we win, we'll beat their rate or credit you the gap.
Tools
Run the numbers on your Arizona payment
Our mortgage calculator runs full PITI — principal & interest, property tax (at the Arizona effective rate of 0.62%), insurance, MI, and HOA — plus a year-by-year amortization schedule and a built-in buydown toggle.
Open mortgage calculatorWorth comparing
Already have a Loan Estimate from a Arizona lender?
Our LE Review tool checks your numbers against today's wholesale rate sheet line by line, and tells you exactly where (if anywhere) you're being overcharged.
First-time buyer assistance
Down payment assistance programs in Arizona
These stack on top of our wholesale-channel rate — meaning you can use Arizona's DPA programs AND our pricing in the same loan. We work with the lenders that fund all of them.
Home in Five Advantage
Up to 5% down-payment + closing-cost assistance in Maricopa and Pima counties for borrowers under program income limits. Can be combined with FHA, VA, or conventional loans.
See if you qualifyHOME Plus
Arizona Department of Housing's statewide program. Down-payment assistance up to 5% of the loan amount, layered on top of conventional/FHA/VA/USDA. Available across all 15 counties.
See if you qualifyPathway to Purchase
Targeted DPA program for specific Maricopa County zip codes. Up to 10% down-payment assistance — the most generous in the state — for households at or below 80% of area median income.
See if you qualifyFAQs
Frequently asked questions
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Reviews
What Arizona clients say
Mortgage rates in other states we serve
HomePilot is licensed in AZ, CA, CO, FL, TX. Until each state has its own live rates page, here's our state-specific lender content:
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Important legal disclosures: Rates shown are illustrative and based on a 30-day commitment, 740+ FICO, 80% LTV, owner-occupied single-family property, and the loan amounts noted on each card. Your actual rate depends on credit, property, occupancy, loan-to-value, loan amount, county, and market conditions. APR includes upfront fees; it is not a commitment to lend. HomePilot is licensed in AZ, CA, CO, FL, TX — NMLS #2752340.