Your neighbors wrote your loan.

Buying a home in Yuma is not like buying one in Phoenix

Yuma sits in the far southwest corner of Arizona, where the state meets California and the Mexican border, and the local housing market reflects a genuinely unusual economy. Three forces drive it: agriculture, the military, and a seasonal population that arrives every winter and leaves every spring. Each one creates mortgage situations that a national underwriter, working from a script in another state, will get wrong.

Take income. Yuma is one of the most productive winter vegetable regions in the United States, and a meaningful share of local households earn money on the growing calendar rather than in twelve equal monthly deposits. An underwriter who's never seen a harvest cycle looks at four strong months and eight lean ones and sees instability. An underwriter who understands the market — guided by a broker who does — sees a consistent, documentable two-year pattern and approves the file.

Or take property type. Manufactured homes make up a large slice of Yuma County's housing stock. Whether one is financeable depends on whether it's permanently affixed, how it's titled, its age, and the foundation certification. That's a five-minute question if you ask before writing the offer, and a catastrophe if you discover it at day twenty of a thirty-day escrow.

Where we lend in and around Yuma

We finance homes across the entire city and the surrounding county — from historic downtown near the Colorado River, out across the Yuma Mesa, along the Avenue B and 32nd Street corridors, east toward the Foothills, and south toward Somerton and the agricultural communities.

Just east of the city, Fortuna Foothills has its own market dynamics, and to the south San Luis and Somerton have theirs. Each has a dedicated page because the lending realities genuinely differ.

Loan programs for Yuma buyers

Military buyers: Yuma's built-in advantage

Between Marine Corps Air Station Yuma and the U.S. Army Yuma Proving Ground, this city has one of the strongest concentrations of VA-eligible buyers in Arizona — and one of the most time-sensitive. PCS orders don't negotiate with slow lenders.

• BAH counts as income. Documented correctly, Basic Allowance for Housing strengthens your qualification considerably.
• You can close from anywhere. A properly executed specific power of attorney lets a spouse or representative sign while you're traveling or deployed — but it has to be drafted right, and drafted early.
• Buy before you arrive. We regularly pre-approve service members who haven't set foot in Yuma yet and close shortly after they report.
• Reuse your benefit. If you used VA entitlement at a previous duty station, you may still have remaining entitlement or be able to restore it. Bring us the details.

Our full VA loan page walks through eligibility, the funding fee, entitlement and the appraisal process in depth.

From first call to keys, in about two weeks

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